What 2025 Taught Us About Risk and How to Be Smarter in 2026

As the year gets underway, it’s a good time to take stock. At Dawson’s, we’ve been reflecting on the trends and challenges that shaped 2025, and what they might mean for you in the months ahead.

From climate-related events to digital disruption, last year was a reminder that risk can take many forms. Whether you’re managing a business, a home, or both, here are four key lessons from 2025 and what to keep in mind for 2026.

 

1. Cyber risk is no longer theoretical

In 2025, we saw a continued rise in cyber incidents affecting New Zealand businesses of all sizes. From phishing emails to compromised systems, many of these events were unexpected and disruptive, particularly for smaller operators.

What to consider in 2026:

• • Check whether you have cyber insurance in place
  • Run a basic internal risk check with your team
  • Review passwords, access levels and system updates

 

2. Weather events continue to disrupt homes and businesses

Flooding, storms and high winds again caused widespread damage across the country. These events are becoming more frequent, and the impact is often greater than people expect.

What to consider in 2026:
• Review your home or business policy carefully
• Make sure your sum insured reflects current rebuild costs
• Consider Business Interruption cover if your income depends on your premises

 

3. Underinsurance remains a common issue

Many policies still reflect values set several years ago. With ongoing pressure on labour and material costs, this can leave people exposed when it comes time to make a claim.

What to consider in 2026:

• • Update valuations where appropriate
  • Let your broker know if you have renovated, expanded or purchased new assets
  • Ask questions if you are unsure what your policy includes

 

4. Risk awareness starts with everyday decisions

A common theme we saw last year was how often claims stemmed from simple oversights. This could be clicking on a suspicious email, delaying maintenance, or not understanding policy conditions.

What to consider in 2026:

• • Build risk awareness into everyday routines
  • Encourage staff or family members to speak up early
  • Talk to your broker before renewal time rather than after an issue arises

Start the year on the front foot

While 2026 is already shaping up to be another busy one, there’s still time to check that your insurance cover matches your current needs.
Whether you’re planning for growth, navigating change, or simply want peace of mind, the Dawson’s team is here to help.

Get in touch with the team at Dawson Insurance to review your cover or ask us any questions as you head into 2026.