Business insurance NZ, Auckland

In New Zealand term Business insurance means a few different types of business insurance policies. This page is designed to help you to choose the right policy for your business to insure that if something goes wrong you & your business are going to be looked after by the suitable insurance policy . Occasionally business insurance is referred as Commercial Insurance. Different business insurance policies designed to meet variety of business risks.

Business Insurance in NZ includes

Material Damage Insurance policy

This is the most popular business insurance policy which provides cover for all types of business assets including stock, equipment and furniture. In the event of damage to any of the insured property the policy is going to provide your business with sum insured to compensate your losses. For instance your stock is damaged by an earthquake or burglary or even by fire, if you have Material Damage policy in place you are going to be protected by your insurer so that you can take care of your business.

For better knowledge of Material Damage Insurance please refer to the policy wording.

Get Material Damage Insurance quote

 

Business Interruption Insurance.

The policy insures gross profit – covers your business loss of business profit as a result of an accident. “Business Interruption Insurance” become very popular after Christchurch earthquakes once people understood the need for it and have started to appreciates the value of being able to sleep peacefully at night know that if something goes wrong the business will be able to pay all the bills including payroll and maintain profitability. It covers accounts receivables, additional cost of working, reinstatement of records, loss or rent receivables for landlords, redundancy payments. Please refer to Business Interruption Insurance policy wording.

Get Business Interruption Insurance quote

Commercial Motor Insurance

It is important to remember that a commercial vehicle insurance premiums normally cost your business less to compare with a private insurance. The policy also provides cover for Employees vehicles & accessories:

  1. Employee’s vehicles as if they were an insured vehicle while being used on your business when such use invalidates the employee’s own vehicle insurance or where such vehicle is uninsured.
  2. Employee’s personal effects, motor vehicle accessories and spare parts normally carried on or used in
    connection with any such vehicles.

Please refer to Commercial Motor insurance policy wording.

Get Commercial Motor Insurance quote

 

Get my Public liability insurance quote

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Public Liability Insurance

also known as Broadform liability cover provides your business with compensation for all amounts you become legally liable to pay as direct compensation consequent upon:

  • personal injury; or
  • damage to property;

happening within the geographical limits during the period of insurance as a result of an occurrence in connection with the business. If you want to read more about Public Liability Insurance please click here. The difference between Public Liability cover and Broadform liability cover is Public liability cover is a standalone product where Broadform liability cover will provide your business with Employers Liability Cover and Statutory Liability Cover.

Employers Liability Cover

Is designed to provide you with all defence costs and all sums that you become legally liable to pay as damages arising from claims resulting from any employee sustaining persona injury in New Zealand arising out of or in the course of their employment in the business shown in the schedule.

Please refer to Employers Liability Cover policy wording.

Get Employers Liability Cover quote

Statutory Liability Cover

Is going to pay on behalf of your business for any fine under an Act and defence costs arising out of a claim made against your business, provided that:

  1. You first become aware of the claim during the period of insurance; and
  2. The claim is notified to the insurer during the period of insurance or within 30 days after the end of the period of insurance; and
    The occurrence took place on or after the retroactive date; and
  3. The fine and defence costs do not arise from an excluded Act.

Please refer to Statutory Liability Cover policy wording.

Get Statutory Liability Cover quote

Machinery Breakdown Insurance

Covers your business machinery (electrical and mechanical plant) for sudden and accidental breakdown. Machinery Breakdown Insurance is designed to pay for damage to machinery that occurs during the period of insurance. Machinery Breakdown Insurance will only provide indemnity while the machinery is:

  1. working or at rest; or
  2. being dismantled, moved, reassembled, or reinstalled for the purpose of cleaning, inspection, adjustment, repair, overhaul or relocation; within the boundaries of the situation, and will only commence after completion of a successful initial commissioning of the machinery at the situation.

Please refer to Machinery Breakdown Insurance policy wording.

Get Machinery Breakdown Insurance quote

 

 

 

Employee Fraud Insurance

Is designed to protect your company and pay for loss of money or goods belonging to or held in trust by your business resulting from an act of dishonesty of any employee. The act of dishonesty must have been committed during any period of insurance after the commencement date applicable to the employee and during the continuation of this employee fraud section (irrespective of how many times the section has been renewed) and any replacement employee fraud insurance issued by the insurer to you, and discovered not later than twelve months after the termination of the insurance in respect of such employee.

Please refer to Employee fraud insurance policy wording.

Get Employee fraud insurance quote

Business Survival Cover

Provides an agreed monthly benefit if you the business owner, or a key person (which is insured) in your business, are unable to work.

Business insurance assists the most important part of running business effectively. It lies in your ability to manage any unplanned events to maintain business activity during a natural disaster, fire, third party damages. Business insurance is a powerful tool for protecting valuable tangible assets which can be at stake if you experience serious issues that prevent ‘business as usual’  due to variety of possible scenarios. Business risks are varied and require specialist planning to ensure that you have the best options at your disposal if an unforeseen event occurs.

Property Damage Insurance

Covers your business for accidental loss or damage to your insured business property.

Goods in Transit Insurance

Covers your business against accidental loss or damage to your assets or property while in transit in New Zealand.

Get Business insurance quote
Minimising business risk by business insurance is the cheapest way available for New Zealand business owners. Business insurance provides you the business owner with cover from different risks associated with your business activities which can cause damage to third parties.

The Insurance and Savings Ombudsman Scheme in New Zealand extends to “Small Businesses” which have no more than 5 staff and an annual turnover not exceeding $400,000. However, it only applies to certain types of cover. Call my office 095254675 to find out details.

Testimonials from our existing clients

Vlad is a fantastic person to work with

Vlad is a fantastic person to work with; prompt, generous, trustworthy, understanding and extremely helpful. He was able to understand the unique issue I had with organizing Public Liability Insurance. Promptly stepped in to help, and went above and beyond what I hoped for, before I even had to ask. In a jungle of elements and paperwork to organize for even simple projects these days, Vlad generously stepped in to take the insurance task off my shoulders. A pleasure to work with. Highly recommend!

Eric Farmer
Public Liability Insurance services
5.0
2016-04-19T13:26:05+12:00
Vlad is a fantastic person to work with; prompt, generous, trustworthy, understanding and extremely helpful. Vlad generously stepped in to take the insurance task off my shoulders. A pleasure to work with. Highly recommend!

One of the best brokers I have ever dealt with

Outstanding Customer Service, one of the best brokers I have ever dealt with. Friendly, helpful, highly recommend.

Public Liability Insurance services
5.0
2016-05-17T14:05:25+12:00
One of the best brokers I have ever dealt with

Vlad has been fantastic in resolving my insurance requirements

Vlad has been fantastic in resolving my insurance requirements with a prompt, informative and friendly service

No photo
Public Liability Insurance services
5.0
2016-04-19T15:15:42+12:00
Vlad has been fantastic in resolving my insurance requirements with a prompt, informative and friendly service

Vlad was extremely helpful and informative

Vlad was extremely helpful and informative about everything that concerned our insurance. Very straightforward and easy to deal with, he provided us all the information we required quickly and accurately and that was key in making a decision to go ahead with the insurance. Would definitely recommend his work to anyone!!

Teresa Ferreira Morais
Public Liability Insurance services
5.0
2016-04-19T11:58:58+12:00
Vlad was extremely helpful and informative about everything that concerned our insurance. Very straightforward and easy to deal with, he provided us all the information we required quickly and accurately

Excellent services and stayed on top of everything

Excellent services and stayed on top of everything at all times. Thank you very much.
View and reply

Public Liability Insurance services
5.0
2016-05-03T10:25:28+12:00
Excellent services and stayed on top of everything at all times. Thank you very much. View and reply

Don’t go elsewhere until you give Vlad a try

Great customer service. Don't go elsewhere until you give Vlad a try. Thanks Vlad for your super fast service.

Darryn Hadland
Public Liability Insurance services
5.0
2016-04-19T12:11:31+12:00
Great customer service. Don't go elsewhere until you give Vlad a try.
5.0
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