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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.



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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

Cover Explained

Select the cover options needed for your business:

Building

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:#
  • Glass
  • Money
  • Theft
  • Transit
  • Equipment breakdown
  • Seasonal stock increase
  • Stolen keys
  • Optional cover for natural disasters, including earthquake*

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

Add:

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.

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