Ben Ruthe

Like many business owners, Ben understands the complexity of establishing and growing a service-based business. Having had experience with a leading liability and property insurer and a corporate brokerage, Ben then headed out to establish the fire and general broking division of Financial Independence in 2009, at exactly the same time as his first child, Sam, was born. A dramatic time in New Zealand and insurance history with the Christchurch Earthquakes and recession.


Starting a business from scratch with no clients really focuses attention on delivering quality. As those that know him will attest, Ben always goes the extra mile for clients, which is why the business model that he has established based on client referrals works so well.

Ben’s focus and ability to build a quality team led to the fire and general business being a finalist for the Insurance Advisernet New Zealand Insurance Broker of the Year for every year from 2013, to 2019. Financial Independence won the Insurance Advisernet New Zealand Insurance Broker of the Year award in 2014 and again in 2017.

If you want someone who takes extra care to know your business, and uses his knowledge to find the best solution to cover insurable risk, then you can’t beat Ben.


His previous background as a national running champion, including an Auckland marathon win a 4-minute mile and representing NZ at the world champs shows the sort of effort he puts in to life. That same effort is now focused on his clients’ businesses and his family of four.


·        Bachelor of Commerce and Administration – Victoria University 2000

·        Diploma in General Insurance – ANZIIF

·        Insurance Advisernet New Zealand Insurance Broker of the year 2014 & 2017

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