Caroline has extensive experience in handling contentious insurance issues, including professional liability, D&O and other financial lines matters. She also regularly assists insurers with material damage and business interruption claims.

Caroline has a reputation for being able to help insurers, brokers and insured corporations navigate their way through complex disputes.

She has local and international experience, having worked in New Zealand and the United Kingdom in matters involving both litigation to Supreme Court level and arbitration.

Caroline is ranked a leading individual for insurance law in New Zealand by The Legal 500 and a Band 2 individual for insurance by Chambers & Partners, with one client commenting: “She is a highly respected insurance lawyer with a deep understanding of critical issues.”

She was also named by NZ Lawyer and Insurance Business NZ as a 5-Star Award winner, recognising the 12 highest-ranking insurance lawyers in New Zealand.

Professional Liability

  • Acting as defence counsel for an accountant in a claim alleging negligent tax advice to a group of companies regarding substantial farming operations.
  • Acting as defence counsel for barrister in claims arising from the sale of significant forestry interests.
  • Acting as defence counsel to secure discontinuance of proceedings against consultants providing AML consulting services to money remitters.

Directors + Officers

  • Acting as coverage counsel for insurers in the long-running Feltex Carpets claim by investors against directors.
  • Assisting insurers in a claim against directors arising from the liquidation of a silo manufacturing company.

Financial Institutions

  • Acting as coverage counsel for insurers in a claim by a finance company regarding a potential liability arising from failed property developments.
  • Acting for a major retail bank in an investigation into interest rate swaps.

Material Damage + Business Interruption

  • Acting for local and international insurers in response to significant COVID-19 business interruption claims.
  • Acting for the plaintiff-insurer in a portfolio-wide claim against EQC relating to over 16,000 earthquake damaged Canterbury domestic property claims.


  • Assisting a major New Zealand personal lines insurer with its reinsurance renewals, including reviewing and amending reinsurance treaty terms.
  • Assisting a major New Zealand insurer with a portfolio-wide review of its insurance policies to check alignment with reinsurance treaty exclusions.

Policy Drafting

  • Assisting a major New Zealand insurer with policy drafting to ensure alignment with reinsurance treaty terms.
  • Assisting an overseas insurer to draft and revise a new professional indemnity policy product.


Areas of Expertise
  • Directors + Officers Liability
  • Financial Institutions
  • Marine + Transport
  • Professional Liability
  • Property - Commercial

Industry Representation
  • Professions + Business Services
  • Financial Institutions
  • Industrial + Commercial Property
  • Marine + Transport
  • Material Damage + Business Interruption
  • Reinsurance
  • Policy Drafting

Professional Affiliations
  • New Zealand Insurance Law Association
  • Institute of Directors
  • New Zealand Law Society