Business Insurance

Commercial and business insurance in New Zealand is a critical component of risk management for enterprises across various industries. These insurance products are designed to protect businesses from financial losses arising from unforeseen events, ensuring continuity, and providing a safety net against potential liabilities. Here’s an introductory overview of commercial and business insurance in the New Zealand context:

Commercial Insurance Overview: Commercial insurance in New Zealand encompasses a broad range of policies tailored to meet the diverse needs of businesses. These policies provide financial protection against risks such as property damage, liability claims, business interruption, and other perils that could impact the operations and assets of a company.

Key Coverage Areas:

  • Property Insurance: Protects physical assets, including buildings, equipment, and inventory, against events like fire, theft, or natural disasters.
  • Liability Insurance: Covers legal expenses and damages associated with third-party injury, property damage, or other liabilities the business may be held responsible for.
  • Business Interruption Insurance: Provides coverage for income losses and operating expenses when a covered event forces the business to temporarily cease operations.
  • Cyber Insurance: Safeguards businesses against losses resulting from cyber-attacks, data breaches, and other digital threats.
  • Commercial Auto Insurance: Covers vehicles used for business purposes against accidents, theft, or damage.
  • Professional Indemnity Insurance: Protects professionals and businesses against claims of professional negligence or errors and omissions.
  • Key Person, Shareholder Buyout, Employee, Debt Protection (Click here)

Industry-Specific Insurance: Certain industries have unique risks, and insurers in New Zealand offer specialized coverage tailored to those needs. For example, manufacturing, hospitality, agriculture, and construction may have specific insurance requirements that address the distinctive challenges within each sector.

Compliance and Legal Requirements: Businesses in New Zealand may be subject to specific legal requirements regarding insurance coverage. Understanding and meeting these obligations is essential for compliance and risk mitigation.

Insurance Providers: Numerous insurance providers operate in New Zealand, offering a variety of commercial insurance products. Businesses can work with brokers or directly with insurers to tailor policies that align with their specific needs and risk profiles. Lets face it, insurance is complicated so having a broker is most helpful giving clients broker representation in claims and service.

Commercial and business insurance in New Zealand serves as a crucial tool for fostering economic resilience and safeguarding the interests of entrepreneurs. As businesses navigate the dynamic landscape, having comprehensive insurance coverage becomes instrumental in protecting assets, sustaining operations, and promoting the overall stability of the country’s commercial landscape.

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Common Covers

• Business/commercial Vehicles, Mobile Plant
• Material Damage – Buildings, contents/plant/equipment, stock
• Refrigerated Goods
• Customers / Suppliers goods not otherwise insured
• Machinery Breakdown Cover, Machinery Loss of Profits
• Business Interruption
o Loss of rents, loss of profits, additional costs
• Business Interruption due to loss to Mobile Plant
• Contract Works (domestic, commercial or civil works)o Workplace accident• Travel Insurance
• Bailees Liability (storage for reward)
• Product Recall – Special cover for food and beverage business.
• Boiler explosion

Liability Cover:
• Public & products liability
• Employer’s liability
• Statutory liability
• Professional Indemnity
– o Negligent Act, error, or omission
– o Civil
• Management Liability
o Directors & Officers Liability
o Employment disputes / employment practices liability
o Fidelity or Crime
o Internet Liability
o Defence Costs
o Workplace accident
o Consequential Loss
• Liability Consequential Loss
• Lawsafe
• Defamation Insurance
• Trustees/Associations Liability
• Technology Liability
• Contaminated products
• Defamation
• Prospectus
• Seedsman
• Fidelity 
o Defective workmanship / property worked on cover
o LBP Coverage
• Container liability
• Carrier’s Liability
• Associations Liability
• Food Manufacturing Liability 
• Manufacturing Liability
• UAV Operators Insurance
• Contractors Pollution Liability


• Cyber Cover and Liability
• Technology Liability
• Information Technology – Tech Liability, civil
• Computer Breakdown
Marine and Cargo:

• Marine Transit
• Marine Cargo & Consequential Loss
• Marine Commercial Hull & Loss of Earnings
• Marine Liabilities – Carriers, Charterers, Freight Forwarders, Marina/Port Operators, Ship Repairers & Stevedores
• Fishing
• Carrier’s Liability
• Cargo Insurance
• Container liability
• Protection and Indemnity (P&I) Insurance
• Boat Builders’ Cover
• Private boat, jet boat, jet ski

Specialist Covers 

• Design and certification Liability
• Asbestos Liability
• Environmental Liability
• Office Bearer’s Liability (Body Corporate Liability)
• Trustees Liability
• Liability for Medical Malpractice
• Trade Credit Insurance
• Lawsafe
• Terrorism
• Taxation Investigation

• Clinical Trials
• Defamation
• Multi Year Construction Risk
• Seedsmen’s Liability
• Structural Defects
• Contaminated Products
• Event Cover


• Contract Works, Residential, Civil and Commerical.


• Aviation Hull and 3rd party liability
• Aviation, Aviation care, custody or control, and Aviation Liability
• Hangar keeper’s Liability

For Employers Giving Employees Group Personal Accident/illness/Medical

Shareholder and Debt Protection 

Business Income Cover

Landlord Plans

Other business insurance products

Click here if you would like a quote or feel free to call us on  0800 822 122

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