Covering all commercial assets including commercial buildings, plant/equipment, stock, tools of trade and customers goods. There are a variety of methods available for covering business assets – it’s one of the biggest areas of underinsurance in New Zealand. In consultation with you we can tailor a package that suits your requirements now and in the future.

Business Interruption is one of the most misunderstood but important covers to any business. Without it businesses face significant financial loss in the event of property loss or prevention of access issues. It’s essential that you get the right advice to ensure that cover is tailored to suit your requirements.

There are a wide variety of Public Liability policies on the market and not all are created equal. Many contain limitations or exclusions that reduce their effectiveness – shortcomings that don’t often become apparent until it’s too late! We understand our client’s businesses and as a result, can provide bespoke advice to ensure their Public Liability cover is effective when it is most needed.

We live in and operate business in a regulatory environment and as a result it can be easy to accidentally neglect our obligations under certain strict acts or statues. Statutory Liability covers defence costs, fines and penalties for the innocent breach of government acts or statues including the Resource Management Act, Fair Trading Act, Consumer Guarantees Act. Defence costs and reparation are also available for a breach of the Health & Safety at Work Act.

Cost effective and streamlined liability programme incorporating the following covers:

• Directors & Officers Liability: covering defence costs and reparation awarded for alleged wrongful acts, errors or omissions by company directors and senior officers
• Employment Disputes: covering costs incurred for employment disputes or personal grievances for alleged wrongful acts in connection with employment

• Crime: covering a loss of money or assets through a dishonest or fraudulent act by an employee or third party
• Cyber Risk – covering costs and liability associated with the loss/corruption of corporate or personal data including restoration, network interruption, public relations expenses and extortion
• Criminal Defence Costs: covering defence costs associated with a criminal prosecution

Covering defence costs and reparation for injury to employees outside the cover provided by ACC. Most often these claims relate to stress related or environmental injury or sickness.

Covering defence costs and reparation for injury to employees outside the cover provided by ACC. Most often these claims relate to stress related or environmental injury or sickness.

Covering motor vehicles for sudden/accidental loss or damage happening in connection with work including third party liability. Policies vary from a singular vehicle to large line-haul trade and transport fleets. Policies can be extended to cover loss of use, hired/rental vehicles, clean-up and pollution costs and contain a profit share and other performance incentives.

A bespoke cover designed to protect your interests for goods lost or damaged while en route around the country or imported and exported from/to overseas markets.