Fire & General — protecting your assets and legal exposure
We build tailored solutions for construction, retail, hospitality, trades, transport, manufacturing, and professional services.
Asset Protection:
Material Damage, Commercial Motor, Mobile Plant & Equipment, Goods in Transit, Contract Works, Machinery Breakdown, Machinery Breakdown – Loss of Profits, Stock Deterioration, Marine Hull, Marine Cargo, Body Corporate Insurance, Corporate Travel Insurance.
Business Income & Continuity:
Business Interruption / Loss of Rent.
Fraud & Crime Protection:
Fidelity Insurance.
Liability Protection:
General Liability, Professional Indemnity, Employers Liability, Statutory Liability, Directors & Officers, Office Bearers Liability, Product Recall, Contaminated Products, Trustees Liability, Carriers Liability, Bailees Liability, Ship Repairers Liability, Cyber & Data Insurance.
Protecting the people who keep your business running
We help you put plans in place so your business can survive unexpected health
events affecting an owner or key staff member.
Key Person Insurance:
Protects against loss of revenue if a key person can’t work.
Shareholder Protection / Buy–Sell Cover:
Ensures smooth ownership transfer if a shareholder dies or becomes disabled.
Business Debt Protection:
Pays business loans if an owner suffers a major health event.
Business Continuation Insurance:
Helps maintain operations and cash flow during disruptions.
Business insurance offers financial protection to your company from unexpected events like the sudden exit of a key person due to illness, injury, or death. It is essential to secure your business's continuity, cover unforeseen costs, and maintain financial stability.
At NZ Insurances, we can connect you with a tailored range of business Insurance solutions:
Key person insurance: This caters to small to medium-sized businesses that rely on key individuals. It pays a lump sum to your business if a key person cannot work due to disability or death. It covers costs associated with recruiting and training a replacement, lost revenue, and other related expenses.
Group policies: These are cost-effective insurance plans that cover a group of individuals, such as employees, who share a common bond. Group policies may include life insurance, health insurance, and disability insurance.
Buy & sell cover: Also known as buyout insurance, this pays a lump sum to the remaining business co-owners if a co-owner dies or is unable to work. This ensures business continuity and prevents disputes with beneficiaries.
Your business's insurance needs will depend on your unique circumstances, including your industry, business size, and number of employees. At NZ Insurances, we're committed to understanding your specific needs and offering the most suitable solutions. Let's have a discussion about your business, and we can guide you towards the appropriate coverages.
Absolutely! As your business evolves, so will your insurance needs. At NZ Insurances, we encourage regular policy reviews to ensure your coverage keeps pace with your business growth and changes.
Yes, even if you're self-employed, business insurance is crucial. It can provide a safety net for unforeseen circumstances that might affect your income. Depending on your situation, key person insurance may be appropriate to cover lost income in case of illness or injury.
At NZ Insurances, we aim to make the claims process as smooth as possible. When something happens that you want to claim for, reach out to us promptly. Our team will guide you through the process, helping you gather necessary documentation and talking to the insurance provider on your behalf. Our goal is to help you get a quick payout. Remember, we are on your side, so transparency is key to ensure we can help you get the best outcome.
