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General
Business
Insurance

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 from nine 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 commercial buildings, contents, plant, stock and other assets. Features include cover while your business assets and stock are being transported up to $5,000, 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
  • Personal injury claims from employees can be costly to your business. This cover is available to protect you from the loss.
  • Statutory liability
    Provides cover for fines your business is ordered to pay resulting from statutory liability claims e.g. Health and Safety at Work Act 2015, Privacy Act 1993, Fair Trading Act 1986.
  • 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.
  • Personal income
    This cover can provide income to you if you’re unable to work as a result of an injury or illness. You can choose different options including monthly benefit and/or lump sum payment.
  • Employee fraud
    As much as we’d like to believe otherwise, sometimes employees aren’t honest. This cover is for money or goods you’ve lost due to the dishonesty of an employee, including temporary employees. This cover also extends to social club property.
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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 at the Vero Claims Centre—we’re here to help.

Make a claim

Documents

Document PDFBusinessPlan Policy

Whether your business is large or small, it’s worth knowing what’s covered and what’s not. Unless you have been advised otherwise, our new Vero BusinessPlan policy wording applies to new policies where cover commences from 11 September 2016, or existing policies that renew from 16 November 2016. For existing Vero customers, a summary of the key changes from your previous BusinessPlan policy can be found here. For policy documents for policies purchased or renewed before these dates, please click here.

If you’re a broker or adviser, you can find more information in our Broker & adviser centre.

Get insured with Vero

For expert advice on how Vero can help you with your insurance needs, talk to a broker or adviser. Our locator helps you find a broker or adviser near you.

Find a broker

Important information

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. The information doesn’t take into account your personal circumstances, needs or goals and is not intended to be financial advice. We recommend that before you purchase insurance, you get professional advice from a broker or adviser who’s registered under the Financial Advisers Act 2008.