Business Insurance Coverage Types
Every business faces a unique range of risks. Explore the commercial insurance types available and find the cover that matches your business needs.
Public Liability Insurance
Protect your business from third-party injury and property damage claims.
Public liability insurance is one of the most important covers a New Zealand business can hold. If your business activities cause accidental injury to a member of the public, or damage to their property, public liability insurance covers your legal defence costs and any compensation you are required to pay. Without it, a single claim could threaten the financial viability of your business.
Learn more & get a quoteProfessional Indemnity Insurance
Protect your business when clients claim your advice or services caused them loss.
Professional indemnity insurance (PI) protects businesses and individuals who provide professional advice, services, or expertise. If a client suffers a financial loss and claims it was caused by an error, omission, or negligence in your professional work, PI insurance covers your legal defence costs and any compensation awarded. In an advice-driven economy, it is essential cover for consultants, professionals, and service businesses of all sizes.
Learn more & get a quoteEmployers Liability Insurance
Cover for employee claims that fall outside ACC — protecting employers from personal liability.
While ACC covers the cost of most personal injury claims from workplace accidents, New Zealand employers still face potential liability in situations not covered by ACC. Employers liability insurance protects businesses against claims by employees who suffer injury or harm in circumstances where ACC does not apply — including gradual process injuries, stress-related conditions, and certain contractual liability scenarios.
Learn more & get a quoteStatutory Liability Insurance
Cover for unintentional breaches of New Zealand law — including regulatory investigations and fines.
Statutory liability insurance protects New Zealand businesses against the consequences of unintentional breaches of legislation. From WorkSafe investigations under the Health and Safety at Work Act to Commerce Commission inquiries under consumer law, regulatory actions can result in substantial legal costs and fines. Statutory liability insurance covers both the defence costs and certain fines that arise from unintentional statutory breaches.
Learn more & get a quoteDirectors & Officers Liability Insurance
Personal financial protection for the people who run your company.
Directors and officers (D&O) liability insurance protects the personal assets of the people who manage and govern New Zealand companies. Directors, board members, and senior officers can face personal financial liability for decisions made in their corporate capacity — from shareholder actions and creditor claims to regulatory investigations and employment disputes. D&O insurance provides both the funds for legal defence and protection against personal financial ruin.
Learn more & get a quoteBusiness Interruption Insurance
Replace lost income when an insured event forces your business to slow down or close.
Business interruption insurance (BI) replaces the income your business loses when an insured event — such as fire, flood, earthquake, or major equipment failure — prevents normal operation. Unlike material damage insurance, which covers the physical cost of repairing or replacing damaged property, business interruption insurance covers the financial loss caused by the disruption: lost revenue, ongoing fixed costs, and the extra expenses incurred to get trading again.
Learn more & get a quoteCyber Liability Insurance
Protect your business from the financial consequences of cyber attacks and data breaches.
Cyber liability insurance protects New Zealand businesses from the financial consequences of cyber attacks, data breaches, ransomware, and other digital threats. As businesses become increasingly reliant on technology and digital data, the frequency and severity of cyber incidents is growing rapidly. A cyber insurance policy covers the direct costs of responding to an incident, the business interruption losses, and third-party liability arising from data breaches.
Learn more & get a quoteCommercial Property Insurance
Protect your business premises, contents, and assets from damage and loss.
Commercial property insurance protects your business buildings, contents, equipment, stock, and other physical assets against damage and loss. From fire and flood to earthquake, theft, and accidental damage, a comprehensive commercial property policy ensures your business can recover from a physical loss event without catastrophic financial impact. For New Zealand businesses, natural hazard exposure — particularly earthquake and flood risk — makes robust commercial property cover essential.
Learn more & get a quoteWhich Cover Do I Need?
| Cover Type | Sole Trader | SME | With Staff | With Directors |
|---|---|---|---|---|
| Public Liability | ✓ | ✓ | ✓ | ✓ |
| Professional Indemnity | ✓ | ✓ | ✓ | ✓ |
| Employer's Liability | — | — | ✓ | ✓ |
| Statutory Liability | ✓ | ✓ | ✓ | ✓ |
| Directors & Officers | — | — | — | ✓ |
| Business Interruption | ✓ | ✓ | ✓ | ✓ |
| Cyber Insurance | ✓ | ✓ | ✓ | ✓ |
| Commercial Property | ✓ | ✓ | ✓ | ✓ |
This table is a general guide only. Your specific needs depend on your activities, contracts and risk profile. Seek professional advice.
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