Business Insurance

Business Insurance

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The Business of Business Insurance

From printers to pencils, it all adds up and costs you time and money to replace. So, it makes perfect sense to protect the things needed to make your business run smoothly every day.

Business Insurance is designed to safeguard your contents, stock and other assets against unexpected events, like fire, storm, theft and accidental damage. The type of cover and the amount you need will depend on the nature of your business and the various risks it faces – a tradesman or a tax agent, you can tailor a policy to suit your own business needs.

Depending on the location of your business premises, there is also the option to take out Natural Disaster cover to protect against loss or damage caused by earthquakes and other natural disasters. And for a full comprehensive protection plan, Business Interruption cover will ensure you still have a business when the odds are stacked against you by covering your lost income if you need to temporarily close your doors due to an event covered under your policy.

Independent feedback from our customers rated our service at excellent.

What it typically covers

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Claims arising from damage to third party property or personal injury
  • Known claims and circumstances

Protect your business today.

Cover Explained

Select the cover options needed for your business:


Covers the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils.

  • Includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping
  • Optional cover for natural disasters, including earthquake*

Property (Contents)

Covers loss or damage to your contents, stock and equipment caused by fire and other perils. Automatically includes cover for:

  • Covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
  • Money
  • Theft
  • Equipment breakdown
  • Seasonal stock increase
  • Theft
  • Optional cover for natural disasters, including earthquake*

Business Interruption

  • Covers you for the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
  • Optional cover for natural disasters, including earthquake*
  • *Cover for natural disasters is subject to the location of your business and is not available to all postcode areas.
    #Sub-limits and conditions apply. Refer to the policy wording.

Portable Equipment

  • Covers loss or damage to portable equipment, tools and valuable property anywhere in New Zealand.
  • Select your own cover limit
    Covers loss or damage of laptops and mobile phones anywhere in the world


Is Business Insurance Mandatory?

While there is the flexibility to choose what sort of cover you want for your business and the level of cover, there may be some situations where certain types and levels of cover are mandatory.

For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially within the government sector. This is sometimes the case when becoming a member of certain industry bodies and boards.

Does Personal Insurance Cover Business Insurance?

It’s important to be aware that your personal insurance may not cover your business assets or property. If you have a home-based business, things like your home and contents insurance policy may not extend to provide cover for any liabilities which may relate to your business. You should check your policy details to check on coverage.

How do I make a claim on my insurance policy?

If you need to make a claim, don’t stress!

We’re here to help you through the process and get you back to business.

Simply download, complete the Claim Notification Form and return to [email protected]

We’ll manage the process with the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way.

Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Customer Reviews

Rated 4.6/5 for Customer Experience

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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