Material damage covers your property against accidental loss or damage (including burglary). Cover is available for your buildings, plant, machinery and stock and automatically includes cover for money on the premises, glass and property in transit (including theft from your vehicle). Portable equipment such as mobile phones and laptops are covered anywhere in the world (and in transit) and are covered for full replacement value if they are less than two years old.

This covers the income or profit of your business, following insured loss or damage. Many businesses rely on material damage business insurance to cover the repair costs, but what about the associated loss of business profit? Business interruption insurance can cover your gross profit, wages, payroll and redundancy payments along with additional costs of working, costs for reinstating your records and loss of rents. To help you to work out what sum insured you may need for Business Interruption, please use our calculation guide.

Commercial motor insurance gives you the option of covering your business vehicles (i) comprehensively, (ii) for third party, or (iii) third party, fire and theft cover. For superior service and a lifetime guarantee of all work, damaged vehicles go to our nationwide network of approved repairers. Each repairer follows a strict code of conduct to deliver professional and hasslefree service to you as a Vero customer.

This covers your legal liability to pay compensation to third parties for personal injury or damage to their property in New Zealand and anywhere in the world (excluding USA/Canada) for your products. We will also pay the cost of investigating and defending claims or prosecution.

This covers claims made by employees for injuries or illness suffered at work that are not covered by ACC – like mental injury, nervous shock, fright or stress. We pay the defence costs and all sums that you become legally liable for, up to a selected limit, as a result of a claim for damages made against you.

This covers you for fines and defence costs for inadvertent offences under many Acts of Parliament including Fair Trading, Building and Resource Management Acts (excluding Health and Safety fines as required by law). For example, under the Resource Management Act, fines can be up to $200,000 for an offence and $10,000 per day for each day the offence continues.

This covers you for repair or replacement of your machinery damaged as a result of a mechanical or electrical breakdown (excluding wear and tear).

This covers you for loss of earnings if you’re unable to work due to injury or illness. If you’ve chosen injury cover, a wide range of lump sum benefits are also payable. We’ll also cover you while you’re travelling, anywhere in the world, for up to three months.

This covers loss of money or goods due to the dishonesty of an employee. We will provide cover where your loss is discovered within 30 days of your employee’s employment being terminated with you.

Marine:
• Marine Transit
• Marine Cargo & Consequential Loss
• Marine Commercial Hull & Loss of Earnings
• Marine Liabilities – Carriers, Charterers, Freight Forwarders, Marina/Port Operators, Ship Repairers & Stevedores
Liability:
• Directors & Officers Liability
• Professional Indemnity
• Employment Disputes Liability
• Liability Consequential Loss
• Lawsafe
• Defamation Insurance
• Trustees/Associations Liability
Construction & Engineering:
• Contract Works
• Machinery Loss of Profits
• Computer Breakdown
Group Personal Accident:
• Death & scheduled benefits for permanent disability
• Weekly accident/illness for temporary disability
Farm Insurance
Home, Contents, Private Motor Vehicle, Boat
Landlord Plan
Personal Travel