Southern Response is the government-owned company set up to settle claims by AMI policyholders for Canterbury earthquake damage which occurred before 5 April 2012 (the date AMI was sold to IAG).

The ongoing series of earthquakes since September 2010 had a profound impact on AMI and its Canterbury customers. As a result of the unprecedented cost of earthquake claims, in April 2011, AMI received capital support from the New Zealand government to ensure the interests of all AMI policyholders were protected and all claims would continue to be met under the terms of their policies.

At the end of 2019, Southern Response had settled over 48,000 earthquake claims, and the remaining claims will be handled by EQC acting as Southern Reponse's agent from 2020.