• Business Assets
  • Business interruption
  • Business liability
  • Business vehicles
  • Machinery Breakdown

Business Assets

Protects your business assets whether you work from your own premises or are out and about.

Mobile Assets

Includes the following cover:

  • Tools cover
    Covers your tools and equipment
  • Business mobile equipment cover
    Covers portable electronics and essential business equipment
  • Business stock cover
    Covers stock you need for your business
  • Business building cover
    Covers the buildings you own
  • Business contents cover
    Covers the equipment at your business premises
Business Insurance policy Benefit summary Mobile Assets policy wording Business Assets policy wording

Business interruption

Covers you for loss of income or profit if you’re unable to trade after an accidental loss, getting you back on track.

Business interruption

Includes the following cover:

  • Lost income if your business isn’t able to operate after sudden loss or damage to your premises
  • Expenses incurred to keep your business running
  • Costs for accountants and specialists involved in quantifying your claim
Business Insurance policy Business Interruption policy wording

Business liability

Covers you for legal costs and certain fines if you accidentally injure or damage other people or their property.

Business liability

Includes the following cover:

  • Public liability
    Covers you for legal liability for accidental injury to a person and damage to someone else’s property while you’re doing business.
  • Statutory liability
    Covers legal defense costs and certain fines if you accidentally breach legislation.
  • Employer’s liability
    Covers legal liability if your employees are injured and it’s not covered by ACC.
Business Insurance policy Broadform Liability policy Statutory Liability policy Employer's Liability policy

Business vehicles

Covers loss or damage to your business vehicles, so you can keep moving.

Business vehicles

Includes the following cover:

  • Repair or replacement of the vehicle up to market value
  • Legal liability protection for damage and injury you cause
  • Transport and towing expenses
  • Windscreen and windows
  • Protection against uninsured drivers
  • Manslaughter defense
Business Insurance policy Benefit summary Business Vehicles policy

Machinery breakdown

Keeps your business going if your equipment breaks down.

Machinery breakdown

Includes the following cover:

  • Sudden and accidental breakdown of mechanical, electrical or electronic plant and equipment
  • Repair, replacement or replacement value
Business Insurance policy Machinery Breakdown policy
GET IN TOUCH WITH A Business Specialist for more info, help, or to buy cover.
Call 0800 100 200
Or let us call you back

Frequently asked questions

  • Agreed value means just that – we’ll pay you the amount we agreed when you took out your policy.
    Market value means we’ll pay the retail value immediately before the loss or damage occurred
  • Yes, our policy covers you anywhere in the world except North America however if you do any work overseas you must let us know so that we can ensure you’re appropriately covered.
  • Windscreen cover is automatically included with every Comprehensive Motor vehicle policy only. It is not included/not available with Third Party Only or Third Party Fire and Theft policies.
  • A fixed asset is an asset that is at a static location. It is not moved away from the location. A mobile asset is an asset that moves out and about with you or can be stored anywhere in New Zealand.