Business Vehicles

Covers your business vehicles from accidental damage and theft.

Business vehicles

Includes the following cover:

  • Repair or replacement of your business vehicle up to the market value, or the sum insured, whichever is less.*
  • Legal liability protection for damage and injury you cause
  • Transport and towing expenses
  • Windscreen and windows
  • Protection against uninsured drivers
  • Manslaughter defence costs

*Unless the vehicle is leased, in which case we will pay the market value or the residual value of the leased vehicle, whichever is greater.


Business Vehicles policy

Business Liability

Covers you for a range of liability that you need in the course of your business.

Business liability

Includes the following cover:

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

Business Assets

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

Mobile Assets

Includes the following cover:

  • Mobile Business Assets
    Covers your tools, mobile business equipment, and stock against loss or damage occuring anywhere in New Zealand.
  • Material Damage cover
    Covers buildings that you own, contents, stock, and equipment at your premises against loss or damage that occurs at your premises.
Mobile Assets policy wording Business Assets (Material Damage) policy

Business Interruption

Covers you for loss of income if you're unable to trade following loss or damage covered by your business assets (material damage) policy.

Business interruption

Options available to obtain cover for loss of profit, loss of rent, payroll, expenses incurred in quantifying your claim, and more. Optional policy extension available for business interruption caused in connection with natural disaster damage.

Business Interruption policy wording

Machinery Breakdown & Stock Deterioration

Keeps your business going if your equipment breaks down.

Machinery breakdown

Machinery Breakdown includes the following cover:

  • Sudden and accidental breakdown of mechanical, electrical or electronic plant and equipment.

Stock Deterioration includes the following cover:

  • Covers the cost of replacing the contents of your refrigerator if they perish due to its breakdown (refrigerator breakdown to be covered under your Machinery Breakdown policy) or due to a power cut (due to a breakdown of plant at your power company).



Machinery Breakdown policy Stock Deterioration policy

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Frequently asked questions

  • Agreed value means just that – we’ll pay you the amount we agreed when you took out your policy (less the applicable excess).
    Market value is the sale price of the same or a comparable vehicle of similar age and condition and specification.
  • No, please contact us if you wish to extend your liability overseas. Call us to discuss to see whether we can extend your cover. Overseas liability associated with temporary business related visits may be covered (conditions apply see Public Liability (Broadform) policy wording for details).
  • 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.