What does business insurance cover


What Does Business Insurance Cover?

What does business insurance cover?

Every business is different, with their own unique insurance needs and exposures to risk. From coverage for stock to shop front windows and everything in between, Business Insurance offers a range of flexible options you can tailor to suit your business needs.


The bricks and mortar of your business premises are most likely one of your most valuable assets that you will want to insure.

Building insurance covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.

This cover may also include 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)*

Protecting your business assets is an important form of cover to consider when insuring the things that keep your business running.

Property (Contents) insurance covers physical loss or damage to your insured contents as a result of an insured event (such as fire, storm, flood and other perils). Property/Contents can include fixtures and fittings, equipment, stock and furniture.

Property insurance automatically includes cover for:

  • Glass: covers for the breakage of internal and external glass and signage you own or for which you are legally responsible, at the insured premises.
  • Money: protects your business money from loss or damage whilst on your premises or in transit.
  • Theft: covers you against loss and damage as a result of theft or attempted theft from your business premises. Damage to the building, locks and safes as a result of a covered event will also be covered.
  • Transit: covers loss of or damage to your goods (or in some circumstances goods you are responsible for) while in transit in New Zealand in a vehicle owned or operated by you, caused by an insured event such as collision, fire or theft.
  • Equipment breakdown: covers for sudden or accidental breakdown of mechanical, electrical or electronic plant and equipment.
  • Seasonal stock increase: increases the sum insured by 20% during November, December and January for insured stock you have.
  • Stolen keys: covers the cost to alter or replace any locks or keys because they were stolen or illegally duplicated.

Optional cover for natural disasters, including earthquake**

Portable Equipment*

Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business.  These can include tools of trade and items of stock anywhere in New Zealand. It also provides cover for loss or damage to laptops and mobile phones anywhere in the world.

Business Interruption*

A form of protection that is there to help your business get back on track if it were interrupted due to an insurable event, providing peace of mind when you need it the most.

Business Interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire).

It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).

Optional cover for natural disasters, including earthquake**

Protect your business today.

* 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.

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