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General Business
Insurance
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Insurance should work for your business every day. We make our products smarter and more useful so you can have confidence that your business can keep doing what it’s good at.
BusinessPlan
Insurance is important for keeping your business on the go, yet it’s often seen as a low priority. Our BusinessPlan insurance allows you to focus on running your business knowing you’re covered for a range of risks.
You can choose different cover types to build a customised insurance plan, which can also make it easier if you need to claim.
Business insurance cover available
- Business vehicles
From one vehicle through to large fleets. We can cover damage to your business vehicles, liability for damage to other vehicles, costs for load recovery and salvage costs as well as some other defence and liability costs. e.g. liability under the Sentencing Amendment Act 2014.
- Material damage
Covers loss or damage to your specified commercial buildings, contents, plant, stock, and other assets. Features include cover while your business assets and stock are being transported, theft from locked vehicles, cover for costs incurred to protect your property (e.g. if there is a fire on a neighbouring property).
- Business interruption
If a business stops, it fails. We make it our business to keep you going. Our Business Interruption policy covers you for your financial loss if your business is interrupted by:- damage at your premises, including interruption of water, power or gas to your business
- interruption to the supply of goods to your business
- access to your property being limited or cut off.
- Broadform liability Provides cover if your business is legally required to pay compensation for personal injury or property damage.
- Employers liability Although ACC provides cover for injury, taking out most bodily injury liability exposures, there is some residual exposure for employers that this product responds to.
- Statutory liability
Covers defence costs and the cost of fines and penalties ordered against you by the courts, as a result of unintentional breaches of most laws. There is also cover for reparation ordered under the Health & Safety at Work Act.
- Machinery breakdown
We understand that specialist machinery can be a significant investment for your business. This is designed to cover the cost to repair or replace it if it’s damaged as a result of a mechanical or electrical breakdown. If your team can repair it, we’ll cover the cost of parts and labour. We’ll also cover transport costs, which can really add up if the parts or machinery need to be sourced overseas.
Document PDFBusinessPlan Policy
Whether your business is large or small, it’s worth knowing what’s covered and what’s not.
If you’re a broker or adviser, you can find more information in our Broker & adviser centre.
Document PDFBusinessPlan Update
Unless otherwise specified, these updates apply to customers who purchase a new policy or renew their insurance from 16 December 2022.
Making a claim
If you need to make a claim, or have a question about a claim, contact your broker or adviser or you can call us on 0800 800 134 — we’re here to help.
Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.
Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.
