If someone breaks into your premises and your work gear or stock gets stolen, we’ll cover the loss. And the mess they leave behind.
If a fire takes out your workplace, equipment, or stock, we’ll cover the damage and repairs to get you back on your feet.
If your business premises are damaged or destroyed, we’ll cover demolition and compliance costs to help you start over. Debris removal. Engineers’ fees. Even building consents and legal fees.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
What’s included
Up to policy limit
Up to $5,000
Up to policy limit
Up to $5,000
Up to policy limit
Up to $5,000
Up to policy limit
Optional extra
Optional extra
Optional extra
Up to policy limit
Up to $5,000
Up to policy limit
Up to $5,000
Up to policy limit
Up to $5,000
Up to policy limit
Optional extra
Optional extra
Optional extra
This is just a summary. For a full list of the policy benefits, exclusions and terms, check the policy wording.
Our NZ business insurance specialists can help with cover, claims, payments and more. We’re here 8am to 6pm Monday to Friday (excluding public holidays).
Book a callback with our biz experts and we’ll get your insurance-y stuff sorted. On your time.
Explore our payment options for businesses and choose one that fits. Sorted.
We provide replacement or indemnity cover on all business assets insurance policies. That means we’ll either pay to replace what’s covered with something equivalent, or pay what it was worth at the time of the loss, depending on its age. Portable electronic equipment over two years old, for example, is usually covered for its indemnity value.
We work it out based on the total sum insured. It’s important to insure your commercial building for its full replacement value, and to review that amount each year when you renew. Remember to allow for inflation and factor in rebuild costs such as labour, demolition, professional fees, and compliance costs. We strongly recommend getting an insurance valuation for commercial buildings, to make sure the reinstatement value is accurate.
Our Material Damage insurance covers your contents or stock for accidental loss or damage while it’s being moved around NZ, up to the policy limit.
Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.