Business Insurance

Material Damage

This section of our small business insurance package covers unintended and unforeseen physical loss of, or damage to, your property during the period of insurance. Your property includes your shop or office fitout, business premises, plant, stock, refrigerated goods, glass, signage, money, fixtures and fittings.

Our property insurance will also protect your business items that you carry anywhere in New Zealand, such as tools and portable equipment, valued up to $10,000. You have the option to increase this cover to $20,000 worth of portable items for a small additional premium.

Our commercial business insurance quotes include cover for damage from events such as fire, theft, hold-up, storms, explosion and machinery breakdown.

Business contents insurance nz cover includes emergency work to protect your contents. It includes cover to reduce further insured losses, removal of debris, such as damaged contents and stock, and the cost of architects, legal and other related expenses.

We know that many businesses carry additional stock over Christmas and New Year. Our business assets insurance package automatically covers you for a seasonal increase in stock of up to 20% during November, December and January. This seasonal increase is included in our business contents insurance quote at no extra cost.

Small business owners in NZ have the option to purchase cover for natural disaster for an extra premium. Natural disaster includes earthquake, volcanic eruption, geothermal activity and tsunami. Limits and exclusions apply.

Please be aware that our small business insurance product does not cover you for every loss. For example, losses caused or arising from a computer virus or from loss of electronic data are not covered. Specialised cyber indemnity liability covers are required for this.

Before you get a commercial business insurance quotation from insurance brokers for office insurance and property insurance, please read the policy wording to find out what limits and exclusions apply and for terms and conditions of cover. To ensure you get the best online business insurance quotation, please check that it is suitable for you. Optional business interruption cover can be added.

Then its easy to get a small business insurance online quote or business contents insurance online quote.

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