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Insurance For your Business

You’ve put tremendous effort into building your business, so it’s important to protect your livelihood from unexpected events. Fire, theft, storm, and accidental damage – every business faces its own set of risks.

No matter what industry you’re in, Small Business Insurance can be tailored to suit your business needs and provide protection for your contents, stock and other assets. And you can include Public Liability Insurance to ensure you are left financially sound for the costs of a legal claim should a third party get injured or suffer property damage as a result of your business activities.

Depending on the location of your business premises, there is also the option to take out Natural Disaster cover to protect your assets and revenue against loss or damage caused by earthquakes.

Independent feedback from our customers rated our service at excellent.

What it typically covers

a)  Material damage loss

  • Damage or theft of office contents or stock
  • Damage to buildings
  • Portable valuables
  • Glass
  • Money

b) Financial Loss

  • Business interruption

Claims Example

a) Material damage loss

  • Burglary
  • Loss of portable valuables
  • Fire
  • Accidental damage
  • Glass breakage

b) Financial Loss

  • Loss of gross profit or revenue
  • Increase in cost of working

Covers Explained

Building & ContentsCovers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for against fire and other perils.
TheftCovers your for loss or damage to contents through theft or attempted theft at your premises.
General PropertyCovers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ.
GlassCovers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
Electronic EquipmentCovers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy.
MoneyCovers money belonging to your business that is lost, stolen, or damaged whilst on your premises, in transit to or from your premises, or in your personal custody.
Goods in TransitCovers your goods (or goods that your are responsible for) whilst in transit in a vehicle owned or operated by you, against loss, theft or damage due to an accident or fire.
Employee DishonestyCovers your business against losses incurred through fraudulent or dishonest acts by your employees.
Business InterruptionCovers your for the loss of income & some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
Natural DisasterCovers for loss or damage to insured property caused by earthquake, hyperthermal activity, geothermal activity, subterranean fire, volcanic eruption, tsunami or the resulting fire caused by any of these events.