# smallbusinessinsurance.co.nz — full content bundle > Single-file long-form dump of every markdown surface + HTML page on this site. Intended for AI crawlers (GPTBot, Claude-Web, PerplexityBot, Amazonbot, Bing) per the financialreports.eu / Stripe / Mintlify convention. Each section is preceded by its canonical URL. Per-insurer summary.md twins are emitted verbatim from the snapshot data layer. Generated: 2026-07-13 Source: https://smallbusinessinsurance.co.nz Vertical: new-zealand-business-insurance Operator: Evolve Group Limited (FSP711891) · Referral partner Blanket Advice Limited (FSP1004126) Regulator: Financial Markets Authority (FMA) · Dispute resolution FSCL Currency: NZD --- ## Part 1 — Verbatim insurer facts (markdown surfaces) ### https://smallbusinessinsurance.co.nz/api/insurer/aig/summary.md # AIG — NZ business insurance profile **Legal name:** AIG Insurance New Zealand Limited **Parent group:** American International Group **Website:** https://www.aig.co.nz Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. ## Product types - public liability - professional indemnity - cyber liability - directors and officers - management liability - marine ## Industries commonly served - technology - professional services - manufacturing - financial services - energy ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with AIG. This profile is provided for educational and comparison purposes only. To obtain AIG cover, contact a commercial insurance broker who holds a direct binder or agency with AIG. ## Sources - https://www.aig.co.nz/about-aig --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/allianz/summary.md # Allianz — NZ business insurance profile **Legal name:** Allianz New Zealand Limited **Parent group:** Allianz SE **Website:** https://www.allianz.co.nz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. ## Product types - public liability - commercial property - commercial vehicle - marine - engineering ## Industries commonly served - manufacturing - construction - marine - transport - professional services ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with Allianz. This profile is provided for educational and comparison purposes only. To obtain Allianz cover, contact a commercial insurance broker who holds a direct binder or agency with Allianz. ## Sources - https://www.allianz.co.nz/about-allianz --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/amp/summary.md # AMP Business Insurance — NZ business insurance profile **Legal name:** AMP Business Insurance (Vero underwritten) **Parent group:** Vero (Suncorp) **Website:** https://www.amp.co.nz Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. ## Product types - public liability - commercial property - business interruption - professional indemnity - small business package ## Industries commonly served - professional services - retail - hospitality - trades - manufacturing ## Distribution availability via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance (direct Evolve panel). The Get-a-Quote workflow on SmallBusinessInsurance.co.nz can route enquiries to this insurer via the Evolve Group FAP licence. ## Sources - https://www.amp.co.nz/business-insurance --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/ando/summary.md # Ando — NZ business insurance profile **Legal name:** Ando Insurance Group Limited **Parent group:** Hollard Group (Australia) **Website:** https://www.ando.co.nz New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. ## Product types - public liability - commercial property - commercial vehicle - small business package ## Industries commonly served - retail - hospitality - professional services - trades - small business ## Distribution availability via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with Ando (referral to Blanket Advice Limited (FSP1004126), who place business with Ando). The Get-a-Quote workflow on SmallBusinessInsurance.co.nz can route enquiries to this insurer via the Evolve Group FAP licence. ## Sources - https://www.ando.co.nz/about --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/bhsi/summary.md # Berkshire Hathaway Specialty Insurance — NZ business insurance profile **Legal name:** Berkshire Hathaway Specialty Insurance **Parent group:** Berkshire Hathaway **Website:** https://www.bhspecialty.com Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. ## Product types - public liability - professional indemnity - directors and officers - commercial property - marine - construction ## Industries commonly served - construction - manufacturing - energy - transport - professional services ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This profile is provided for educational and comparison purposes only. To obtain Berkshire Hathaway Specialty Insurance cover, contact a commercial insurance broker who holds a direct binder or agency with Berkshire Hathaway Specialty Insurance. ## Sources - https://www.bhspecialty.com/about-us.html --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/chubb/summary.md # Chubb — NZ business insurance profile **Legal name:** Chubb Insurance New Zealand Limited **Parent group:** Chubb Limited **Website:** https://www.chubb.com/nz-en Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. ## Product types - public liability - professional indemnity - cyber liability - commercial property - marine - specialty ## Industries commonly served - technology - manufacturing - professional services - financial services - healthcare ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with Chubb. This profile is provided for educational and comparison purposes only. To obtain Chubb cover, contact a commercial insurance broker who holds a direct binder or agency with Chubb. ## Sources - https://www.chubb.com/nz-en/about-chubb.html --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/fmg/summary.md # FMG — NZ business insurance profile **Legal name:** Farmers' Mutual Group **Parent group:** FMG (mutual) **Website:** https://www.fmg.co.nz New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. ## Product types - public liability - commercial property - commercial vehicle - farm insurance - rural commercial ## Industries commonly served - agriculture - horticulture - rural commercial - trades-rural ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with FMG. This profile is provided for educational and comparison purposes only. To obtain FMG cover, contact a commercial insurance broker who holds a direct binder or agency with FMG. ## Sources - https://www.fmg.co.nz/about-fmg --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/nzi/summary.md # NZI — NZ business insurance profile **Legal name:** NZI Insurance **Parent group:** IAG New Zealand **Website:** https://www.nzi.co.nz One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. ## Product types - public liability - professional indemnity - commercial property - commercial vehicle - marine - construction - engineering ## Industries commonly served - construction - manufacturing - transport - agriculture - marine - professional services ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with NZI. This profile is provided for educational and comparison purposes only. To obtain NZI cover, contact a commercial insurance broker who holds a direct binder or agency with NZI. ## Sources - https://www.nzi.co.nz/about-us - https://www.iag.co.nz --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/qbe/summary.md # QBE — NZ business insurance profile **Legal name:** QBE Insurance (International) Limited (NZ branch) **Parent group:** QBE Insurance Group **Website:** https://www.qbe.com/nz Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. ## Product types - public liability - professional indemnity - commercial property - marine - trade credit - construction ## Industries commonly served - construction - manufacturing - trade - marine - professional services ## Distribution availability via Evolve Group Evolve Group does not currently have a distribution relationship with QBE. This profile is provided for educational and comparison purposes only. To obtain QBE cover, contact a commercial insurance broker who holds a direct binder or agency with QBE. ## Sources - https://www.qbe.com/nz/about-us --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/vero/summary.md # Vero — NZ business insurance profile **Legal name:** Vero Insurance New Zealand Limited **Parent group:** Suncorp New Zealand **Website:** https://www.vero.co.nz One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. ## Product types - public liability - professional indemnity - business interruption - commercial property - commercial vehicle - cyber liability - directors and officers ## Industries commonly served - construction - retail - hospitality - professional services - manufacturing - agriculture ## Underwrites the following brands - AMP Business Insurance ## Distribution availability via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with Vero (AMP Business Insurance). The Get-a-Quote workflow on SmallBusinessInsurance.co.nz can route enquiries to this insurer via the Evolve Group FAP licence. ## Sources - https://www.vero.co.nz/about-us - https://www.suncorpgroup.com.au --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about NZ business insurers. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker whose distribution panel includes the insurer.* --- ### https://smallbusinessinsurance.co.nz/api/insurer/vero/wording.md # Vero — policy wording (educational mirror) > Machine-extracted mirror of a public policy-wording document, provided for education and comparison. Always read the insurer's current policy wording for binding terms. ## Source **Document:** VERO_BUSINESSPLAN_2024 **Document date:** 2024-03-22 **Source URL:** https://www.vero.co.nz/documents/business/businessplan-policy-wording-2024.pdf **Source tier:** A **Extraction model:** claude-haiku-4-5-20251001 **Extracted:** 2026-05-26T01:46:08.871Z **Source PDF SHA-256:** f55fc3a8d8b90cd745779270c6a63b4bf65582b3691ff8de1621f549c0dd2f69 --- # BUSINESS PLAN ## Policy Wording ### Effective July 2024 VBWBSP 07/24 --- ## Welcome Thank you for choosing Vero Insurance New Zealand Limited to provide you with your insurance cover. Arranging insurance means you are making a legal contract under which you promise to meet certain obligations and conditions, and in return we promise to provide specified insurance cover. The obligations, memoranda, warranties, exclusions, extensions and conditions in this contract are subject to your rights under the Insurance Law Reform Acts 1977 and 1985. Words shown in italics are words that have had their meaning defined. These meanings are found under the general definitions, in a section or in the schedule of this policy. Any word or expression to which a specific meaning has been given will have the same meaning wherever it appears. Please examine this document, including the schedule, to ensure the insurance protection is in accordance with your requirements. If it does not meet your requirements, or you wish to make changes to the insurance cover, please contact your insurance broker, adviser or your nearest Vero office. --- ## Introduction ### Insurance contract In consideration of you having paid or promised to pay the required premium we agree to indemnify you in the manner and to the extent set out in the applicable parts of this policy. The insurance contract consists of any statements on which this insurance is based, your proposal, the applicable parts of this policy, and the schedule. ### General obligations These are the general obligations that apply to all parts of this policy. In addition, there are specific obligations, conditions, memoranda or warranties set out in the different sections of this policy. You must comply with all the obligations, memoranda, conditions or warranties of this policy. If you do not in some instances your claim will not be paid. Some parts of this policy may cover other people or companies or entities as well as you. To gain the benefit of any cover under this policy they must meet all the same conditions and obligations you are required to meet. ### To disclose material information You must advise us of all material information before inception of the policy and before each renewal or variation of the policy. Failure to do so entitles us to avoid the policy. Material information includes any information which might influence the decision we make as to whether or not to provide insurance and if so on what terms and at what premium. ### If circumstances change 1. You must notify us immediately of any change in circumstances that has happened after the start of this policy or that you know is going to happen and which may increase: (a) the amount of the risk; or (b) the risk of loss, damage, liability, disablement; or (c) the risk of insuring you. 2. If you do notify us of a change we may alter the premium and/or the terms of this contract. 3. If you do not comply with this obligation any loss, damage, liability or disablement that happens after the date of the change in circumstance may not then be insured and we may not continue to insure you. ### To provide accurate information You must make sure all statements made to us are in every respect correct and complete. ### To avoid loss, damage or liability If you are insured with us then you must take all reasonable care at all times to: (a) make sure all property covered by this insurance is kept safe and protected from possible loss or damage; (b) maintain any protective devices, including but not limited to sprinkler systems and alarms, in an operational condition; (c) avoid any loss, damage or injury for which you could be held legally liable. You must not intentionally or recklessly cause loss or damage to any property covered by this policy or for which you could be held legally liable. You must not allow anyone else to cause loss, damage, injury, or do anything for which you could be held legally liable. You must comply with all legal requirements imposed by any government or public authority for the safety of people or property. You must comply at your expense with all reasonable recommendations we give you to prevent loss or damage to your property you have insured or to prevent loss or damage for which you could be held legally liable. ### What you need to know about making a claim These general claims conditions apply to all parts of this policy. In addition, there may be specific claims conditions set out in the different sections of this policy. As soon as you are aware of any event, circumstance or occurrence that is likely to result in a claim under this policy: You must: (a) notify us immediately; (b) lay a complaint with the Police if you suspect burglary, theft, arson or intentional damage; (c) take prompt steps to minimise the loss, damage or liability and avoid any further loss, damage or liability; and (d) take reasonable steps to obtain details of any other person, property or vehicle involved and any witnesses. You must not: (a) dispose of or abandon any property for which you intend to make a claim; (b) start any repairs without our permission unless it is necessary to prevent further loss, damage or liability; (c) admit responsibility for any loss, damage or liability; or (d) make or give any admission (of fault or fact), offer, promise, payment or indemnity or say or do anything that prejudices our ability to defend, negotiate or settle any claim made against you or make recovery for the loss or damage from any other person who may be responsible for it; whether or not any such action or statement is ultimately relied upon in determining any issue of liability. ### If you wish to make a claim on this policy You must then: 1. fully complete our claim form as soon as practical; 2. give us free access to examine and assess any loss, damage or liability; 3. provide any other information or assistance we reasonably request in relation to your claim; 4. forward any letter of demand or court documents to us immediately; 5. if we request it provide a statutory declaration to verify the loss, damage or liability; 6. if we request it attend interviews with any person we nominate; and 7. unless we are deducting it from any claim settlement to you be responsible for the payment of the excess to us or to the repairer. ### After you have made a claim After you have made a claim on this policy we have the sole right to act in your name and on your behalf to negotiate, defend or settle any action against you. If we do this it will be at our expense, except in relation to any excess that applies. ### After your claim is accepted After we have paid a claim or accepted liability for a claim on this policy either in whole or in part we have the right to take over in full any legal right of recovery or indemnity that you have. If we do this we may exercise these rights for our own benefit at our own expense and you must co-operate with us in all respects to allow us to do anything reasonably necessary to enforce that right. If you do not co-operate with us you must repay any amounts we have paid to you or any other party in respect of your claim. You must not voluntarily and knowingly release any third party from liability arising from loss or damage insured by this policy unless first declared to and accepted by us. If any lost or stolen property for which we have paid a claim is later found or recovered you must: (a) tell us immediately; and (b) if we request, hand the property over to us. We have the right to keep any property, including any proceeds from its sale, for which we have paid a claim under this policy subject to adjustment if you have not been fully indemnified for your loss. If any person is ordered to make or otherwise makes reparation to you for loss or damage to any property for which we have paid a claim under this policy you must reimburse us for that payment as soon as any reparation is made, subject to adjustment if you have not been fully indemnified. ### If you don't agree with our claim decision If you do not agree with our decision on your claim then you should ring your adviser your agent your broker or our branch office. If you are still not happy and believe our decision is incorrect you can ring our Head Office on 0800 835 548 or write to us at Private Bag 92 120 Auckland. ### General exclusions These are the general exclusions that apply to all parts of this policy. In addition, there are specific exclusions set out in the different sections of this policy. There is no cover under this policy for any claim, loss, damage, liability, interruption, death, disablement, injury, illness, any increased or additional costs or expenses of a claim or any other form of cover otherwise available under this policy resulting from or directly or indirectly arising out of, contributed to by, or in connection with: #### 1. Communicable disease (a) communicable disease; or (b) fear or threat (whether actual or perceived) of communicable disease; or (c) actions taken by any person, entity or public authority to respond to, control, prevent or suppress communicable disease; regardless of any other cause or event contributing concurrently or in any other sequence to it. **Communicable Disease** means: (a) any disease (whether human, animal, plant or otherwise) which can be transmitted directly or indirectly from any organism to another organism by means of any substance or agent (including without limitation any virus, bacterium, parasite or other organism or any variation thereof, whether living or not), where the disease, substance or agent can cause or threaten: (i) damage to human health or welfare; or (ii) damage to, deterioration of, loss of value of, marketability of or loss of use of property; or (b) any Infectious Disease or Quarantinable Disease as defined in or declared under the Health Act 1956. A reference to the Health Act 1956 includes any amendment, replacement or successor legislation. A reference to Infectious Disease or Quarantinable Disease shall have the meaning found in any replacement definition or of any equivalent or substantially similar term defined in or declared under any amendment, replacement or successor legislation. This exclusion does not apply to the Personal Income section of this policy. #### 2. Computer systems any loss of, alteration of, or damage to or a reduction in the functionality, availability or operation of a computer system. (a) Subject to the other terms, conditions and exclusions of this policy, this exclusion shall not apply to physical loss or physical damage to insured property and interruption or interference to the insured business directly resulting therefrom. (b) Provided that, clause (a) does not apply where such damage or interruption or interference is directly or indirectly caused by, contributed to by, resulting from, arising out of, or in connection with: (i) cyber act; or (ii) any action taken in controlling, preventing, suppressing or remediating any cyber act. This exclusion does not apply to the commercial motor vehicle section of this policy. #### 3. Confiscation confiscation, requisition, destruction of, or damage to property by order of any Government or Local Authority unless it is to prevent or control loss or damage that would otherwise have been covered by this policy. #### 4. Data (a) total or partial destruction, distortion, erasure, corruption, alteration, misinterpretation or misappropriation of data; (b) error in creating, amending, entering, deleting or using data; (c) total or partial inability or failure to receive, send, access or use data for any time or at all; (d) any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any data; or (e) the value of any data; from any cause whatsoever, regardless of any other contributing cause or event whenever it may occur. #### 5. Radioactivity nuclear weapons material, ionising radiations or contamination from any nuclear fuel or from any nuclear waste which results from the combustion (including self sustaining process of nuclear fission) of nuclear fuel. #### 6. Terrorism any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to such loss, damage, liability, death, injury, illness, disablement, cost or expense or action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism. #### 7. Unlawful to insure any act, event or occurrence deemed to be unlawful to insure against. #### 8. War war, invasion, act of foreign enemy, hostilities or warlike operations (whether war is declared or not), civil war, civil commotion assuming the proportions of or amounting to a popular rising, military rising, mutiny, rebellion, revolution, insurrection, military or usurped power. ### General conditions These general conditions apply to all parts of this policy. In addition, there are specific conditions set out in the different sections of this policy. #### 1. Breach of condition If you or any insured under this policy breaches any condition in this policy all benefits under this policy will be forfeited. However, nothing in this policy affects our common law rights, including our right to avoid the policy for non-disclosure. #### 2. Cancellation by us We may cancel this policy at any time by sending a letter, facsimile or e-mail to you at your last postal address, facsimile number or e-mail address on our records. The cancellation will take effect at 4 pm on the 14th day after the letter facsimile or e-mail has been sent. In the event of such cancellation we will refund to you a pro rata proportion of the premium (subject to any adjustment required by the terms of this policy). #### 3. Cancellation by you You may cancel this policy at any time, and with immediate effect, by written notice delivered to us or by facsimile transmission or e-mail. In the event of such cancellation, we will be entitled to a pro rata proportion of the premium (subject to any adjustment required by the terms of this policy) for the time during which the policy has been in force. #### 4. Change of terms In the following circumstances, we may change the terms of this policy (including the excess) during the period of insurance: (a) we are no longer able to obtain or retain full reinsurance protection from natural disaster events covered by this policy on terms acceptable to us; or (b) in response to a material change to relevant law; or (c) to increase cover or add new cover; or (d) to allow for a material change in the risk profile of a group of similar policy holders (or similar insured property) that will not be commercially sustainable for us under current policy terms. We may change the terms by sending a letter, facsimile, or e-mail advising you of this to you at your last known postal address, facsimile number, or e-mail address, or to your insurance adviser. The change or changes will take effect at 4.00pm on the 30th day after the communication has been sent. If you are not happy with the change of terms, you may terminate the policy on 14 days' notice. We will refund any unused premium. #### 5. Correctness of statements and fraud All statements made by you or on your behalf either in the application or otherwise in support of this policy or any claim must be correct in all respects. If any claim under this policy is supported by any incorrect information or statement or is in any respect fraudulent, then your claim is not payable and this entire policy automatically terminates from the date that the incorrect statement or fraudulent claim was made to us. #### 6. Goods and services tax Provided that goods and services tax (GST) is recoverable by us, the sum or sums insured by this policy are exclusive of GST to the extent that, in the event of a claim, we will pay a maximum of the sum insured plus additional GST to a maximum of the current rate of GST applied to that sum insured. However, the agreed value under the commercial motor section is GST inclusive. #### 7. Headings Where headings or margin references are used in this policy they are purely descriptive in nature and are not to be used for interpretative purposes. #### 8. Instalment premiums Where we have agreed to accept payment of premium by instalments: (a) in the event of a claim being made against the policy we reserve the right to require immediate payment of the balance of any annual premium; and (b) all benefits under this policy will be forfeited from the date the first unpaid instalment was due and your policy automatically cancelled if any premium instalment remains unpaid for 28 days. Where any instalment is overdue but the policy has not been cancelled, all benefits under this policy will be suspended from the date the first unpaid instalment was due until the date we receive all the overdue premiums. #### 9. Joint insurance Except in respect of the Employers Liability and the Statutory Liability sections of this policy if there is more than one insured named in the schedule this policy insures the insureds jointly. This means that if one of you does or fails to do anything so that there is no cover there will be no cover for any of you, not just the person or entity responsible. #### 10. New Zealand law This policy is governed by New Zealand law and New Zealand courts have exclusive jurisdiction over any legal proceedings about it. When this policy mentions an Act of New Zealand Parliament, this includes any substitution, amendment, or replacement of the Act. If the Act has been repealed and there is no substitution or replacement, we mean any part of an Act with substantially the same purpose and function. It includes the regulations under the Act. #### 11. Observance of terms and conditions The due observance and fulfilment of the terms and conditions of this policy by you in so far as they relate to anything to be done or complied with by you, and the correctness of any statements made to us (whether made by you or not), are conditions precedent to any liability we may have to provide any indemnity under this policy. #### 12. Other insurance If, at the time of any claim arising under this policy, there is any other valid and collectable insurance covering all or part of the same loss or liability this policy will apply only to the amount of any loss or liability in excess of that recoverable under the other insurance. This condition does not apply to the personal income section of this policy except as specified in that section. #### 13. Recovery apportionment If in exercising our rights of subrogation, we recover all or any part of a loss for which a claim has been paid or is payable under this policy the amount of the recovery will be shared between you and us in the following manner: (a) Excluding the excess applicable, you will be fully reimbursed for any uninsured portion of the loss. (b) The remaining amount after the application of (a) above will be shared between you and us in the ratio of their respective losses; the loss to you being that portion of the loss which is uninsured by reason of the excess, and the loss to us being the amount of our actual payment under this policy. The expenses of all of the recovery effort will be borne in the ratio of the respective recoveries. If no recovery is made then the costs will be for our account. Notwithstanding anything in the excess clause, no account will be taken of any subrogated recoveries in establishing the amount of the adjusted loss to which the excess applies. #### 14. Renewal terms If we intend to refuse renewal of this policy, or to offer renewal on any terms less favourable you or your insurance broker than those applying during the current period of insurance, we must give you or your broker notice of that intention not less than 15 days before the expiry of the current period of insurance. If the notice is not received by that time, we will, if so required by you or your insurance broker, extend the current period of insurance so that it will expire not less than 15 days after the notice provided. You undertake to pay a pro-rata proportion of the annual premium for the period of any such extension. #### 15. Sanctions This policy will not provide cover, service, or benefit, or pay anything in connection with your policy, including any premium refund, if doing so may breach or risk exposure to any of the following: 1. Penalties, sanctions, prohibitions, proscriptions, preventions or restrictions under United Nations resolutions. 2. Sanctions, proscriptions, preventions, laws or regulations of New Zealand, Australia, the United Kingdom, the United States of America, or the European Union. #### 16. Terms, exclusions and conditions In all cases "The Indemnity" in each section is subject to all the terms, exclusions and conditions of the relevant section, and all the general obligations, general exclusions and general conditions of this policy. --- ## Material Damage ### The indemnity We will indemnify you for damage to any of the insured property occurring during the period of insurance. You will be indemnified by payment or, at our option, by repair or by replacement of the lost or damaged property. Subject to the reinstatement of amount of insurance extension, our liability will not exceed the total sum insured; and where sums insured have been declared to us or included on the schedule for more than one situation, item and/or category of insured property, our liability will not exceed in respect of each situation, and each item or category of insured property at a situation, the applicable sum insured. ### Automatic extensions These automatic extensions form part of this material damage section and are subject to all its provisions (unless otherwise stated). If there is any conflict or inconsistency between this material damage section and the extension, only the extension will apply. If there is any conflict or inconsistency between the extensions, only the more particular extension will apply. #### 1. Burglary Notwithstanding exclusion 2 (b) (Criminal Acts & Disappearance) of this material damage section we will cover you for damage directly resulting from theft or any attempt at theft accompanied by: (a) violent and forcible entry to or exit from any enclosed building. The burglary excess shown in the schedule will apply to claims under this part of this extension; or (b) violence or threat of violence to persons. The standard excess shown in the schedule will apply to claims under this part of this extension; or (c) violent and forcible entry to or exit from a securely locked motor vehicle or storage container, being any fully enclosed: (i) shipping container or similar; or (ii) portable shed or similar structure; or (iii) non-portable container, such as a metal or wooden container that has been built into or secured to a vehicle. The burglary excess shown in the schedule will apply to claims under this part of this extension. #### 2. Capital additions This section extends cover to property (including, but not limited to, alterations, additions and improvements to existing property) you acquire, during the period of insurance, situated anywhere in New Zealand. This extension of cover does not apply to: (a) stock in trade; (b) property of any kind expressly excluded from this insurance; or (c) any appreciation of value that is not due to a physical alteration, addition or improvement. Cover under this extension commences on each acquired property when the risk in the property passes to you. You must notify us within 90-days of you acquiring the property or the physical works being completed. Once you have notified us: 1. we may charge you additional premium; and 2. any increased value of the property will be added to your sum insured. Our liability under this extension will not exceed the amount shown in the schedule. The applicable limit stated in the schedule shall be in addition to the sum insured unless otherwise specified. #### 3. Change of temperature Notwithstanding exclusion 6.2 (f) (Natural events & other processes) of this material damage section we will cover you for loss or damage during the period of insurance to insured property arising from a change in temperature. This includes reasonable costs incurred by you in the removal to and/or storage of such property at alternative premises. We will not cover you for any change in temperature caused by mechanical or electrical or electronic breakdown of machinery or electrical equipment covered under the Machinery Breakdown section. #### 4. Demolition and other costs We will cover you for costs necessarily incurred for any of the following purposes in consequence of damage insured under this material damage section: (a) demolition, dismantling, shoring up or propping of the insured property; (b) removal of stock, plant and other contents whether damaged or undamaged; (c) disposal of debris (including any kind of solid, liquid or gaseous matter) from the site of the insured property damaged and the area immediately adjacent to such site. Our liability in respect of any one event will not exceed the special limit shown in the schedule. If no such limit is shown the costs will be included within the sum insured on the affected property. The cover provided under this extension does not include any amounts you become legally liable to pay by way of compensation or other damages resulting from pollution or contamination of property by any of the debris. #### 5. Electric motors Notwithstanding exclusion 3(b) (Damage to Machinery) of this material damage section we will cover you for damage to: (a) electric motors and starters that do not individually exceed 5 kw; and (b) distribution switchboards and permanently installed electrical reticulation; directly caused by failure of electrical insulation, or abnormal electric current, or electrically induced self-heating. #### 6. Employees effects This section extends the definition of insured property in respect of the item on contents to include the personal effects of your directors and employees, but only while the effects are at premises owned or occupied by you, or elsewhere while being worn, kept, carried or used by the directors or employees acting in the course of their duties or employment. The effects are deemed to be included in the description of insured property as if you owned them. This extension of cover does not apply to loss or damage to the personal effects of any director or employee who is entitled to indemnity for that loss or damage under any other policy of insurance unless you are responsible for the loss or damage. In respect of any one loss to any one director or employee under this extension we will pay up to whichever is less; the amount shown in the schedule or $5,000. The indemnity provided by this extension will not increase our liability beyond the sum insured on the contents at the premises. #### 7. Expediting costs Where a claim is payable under this material damage section for the cost of reinstating any insured property we will also cover you for such additional costs of express freight and overtime labour as are reasonably incurred for the purpose of expediting that reinstatement. The indemnity provided by this extension will not increase our liability beyond the sum insured on the affected property. #### 8. Fire fighting equipment We will pay for the reasonable costs you incur to replenish your portable hand-held fire fighting equipment after the equipment has been used to protect your insured property from damage covered under this material damage section, or immediate and imminent threat of damage, provided that the damage would be covered under this material damage section if it did occur. Our liability under this extension will not exceed $5,000 for any one period. #### 9. General average/salvage charges When this material damage section applies to transit of insured property by coastal shipping between ports of New Zealand. We will cover you for general average and salvage charges payable according to Foreign Statement or to York Antwerp Rules if in accordance with any freight contract. The excess will not apply. #### 10. Gradual damage We will pay for damage to your insured building resulting from the action of micro-organisms, mould, mildew, rot, fungi or gradual deterioration, caused by water leaking or overflowing from any internal water system, if the loss or damage first occurs during the time that you own the insured building. The limit includes the cost of searching for the source of the problem if it is reasonably incurred and we have accepted a claim for the loss or damage. An internal water system is any water pipe, waste disposal pipe, water cylinder or water storage tank which is permanently connected and contained within the walls, floors or roof of the structure and any pipe which is hidden from view that is connected to an appliance, such as a washing machine or dishwasher. Our liability under this extension will not exceed $5,000 for any one event and must be applied towards searching for and/or repair of the damage. The excess will be the higher of $500 or the standard excess shown on the schedule. #### 11. Landscaping Provided that your building is insured with us, we will cover you for the costs you reasonably incur to repair or replace landscaping that has been damaged where we have accepted a claim under this material damage policy. Our liability is limited to 5% of the individual building sum insured or $20,000 whichever is the lesser amount. #### 12. Landslip We will cover you for damage to any insured property directly or indirectly consequent upon: (a) landslip that is neither gradual nor progressive; and/or (b) the movement (whether by way of falling, sliding or flowing) of ground: but excluding: - subsidence: and/or - the expansion, settling, shrinkage, compaction or erosion of soil. Our liability under this extension is limited to $500,000 for any one event. The excess under this extension will be $15,000 unless a higher amount is shown in the schedule. #### 13. Subsidence We will cover you for damage to any insured property directly or indirectly consequent upon: (a) subsidence that is neither gradual nor progressive, of land beneath or adjacent to the affected property: and/or (b) the movement (whether by way of sinking, collapsing, sliding or flowing) of ground: but excluding: - landslip; - compaction or erosion of soil; - the normal settling, expansion or shrinkage of any building or its foundations; and/or - movement as a result of the watertable drying out from atmospheric or climatic conditions. Our liability under this extension is limited to $500,000 for any one event. The excess under this extension will be $15,000 unless a higher amount is shown in the schedule. #### 14. Money Notwithstanding exclusion 7 (b) (Property) of this material damage section we will cover you for money as follows: **Section A** (a) money in transit. (b) money at your business premises or sites of contract during business hours. (c) money in a securely locked safe or strongroom, approved by us, at your business premises outside business hours. **Section B** (a) money at your business premises outside business hours and not in a securely locked safe or strongroom. (b) money at your residential premises or those of any principal or authorised employee. **Additional cover provided** Notwithstanding exclusion 2 (b) (Criminal acts & disappearance) of this material damage section the cover provided by this extension includes loss of or damage to money directly resulting from: (a) theft accompanied by violence or threat of violence to persons. The standard excess shown in the schedule will apply to claims under this part of this extension; (b) theft of any other kind, not expressly excluded from cover under this extension. The burglary excess shown in the schedule will apply to claims under this part of this extension. In addition, we will cover you for loss or damage to money directly caused by or resulting from any earthquake, hydrothermal activity, landslip, volcanic eruption, or subsidence or erosion of the land. **Additional exclusions** The cover provided by this extension is subject to the following additional exclusions: (a) loss due to errors in receiving or paying out; (b) loss or damage occurring while the money is entrusted to any person other than you, or any agent, or any principal, employee or any professional money carrier; (c) loss resulting from payment of money in exchange for any cheque that is subsequently dishonoured; (d) loss occurring while the money is in an unlocked and unattended vehicle; (e) loss directly resulting from theft or fraud by any of your employees. However this exclusion does not apply to loss discovered within 72 hours of the act of theft or fraud; (f) loss covered by a valid and collectable claim under a policy of fidelity guarantee (or equivalent) form of insurance. **Limits of liability** Our liability will not exceed $10,000 under section A and $2,500 under section B unless any alternative amounts are shown in the schedule. However, if an additional special limit designated "Christmas carry" is shown in the schedule it will take the place of the section A money limit for the period 1 December to 5 January of the following year. #### 15. Other interests We will cover you and any person or corporate body where you are under an obligation to insure their interest in any of the insured property. However: (a) we will not be liable to cover any person or corporate body whose interest has not been declared to us by the time indemnity becomes payable; (b) our liability to any other person or corporate body will be no better than any liability we have to you; (c) any such person or corporate body is not an insured under the policy and has no right to claim under the policy. At our sole discretion any amount payable on account of a valid claim may be paid to the other person or corporate body. This will meet our obligations under this policy. #### 16. Portable equipment Notwithstanding general exclusion 2 (Computer systems) of this material damage section, we will cover you for: (a) portable computer equipment (such as a laptop, notebook, electronic diary, video data projector or similar) and cellphones away from your business premises anywhere in the world including while in transit; (b) office equipment at the home of employees, in transit to/from your business premises and the home of employees. In respect of any loss or damage away from your premises, the Reinstatement Additional extension, if taken, will be extended only to any item of portable computer equipment (such as a laptop, notebook, electronic diary, video data projector or similar) that is less than two years old at the time of the loss or damage. Our liability under this extension will not exceed $5,000 for any one item, or $10,000 for any one event, or the sum insured of this material damage section, whichever is the lesser amount. #### 17. Professional fees We will cover you for all reasonable professional and clerk of works fees, salaries and costs necessarily incurred in reinstating damage to insured property which is covered under this material damage section. The insured fees, salaries and costs are included in the sum insured on the affected property. This extension does not apply to fees for preparing claims made under this material damage section. #### 18. Property under construction Notwithstanding exclusion 7 (a) (Property) of this material damage section we will cover you for property in the course of installation, construction, demolition, erection, or testing following any of them, provided the property is owned or to be owned or occupied by you and provided the completed value of the contract does not exceed $100,000 unless an alternative amount is shown in the schedule. The applicable limit of $100,000 or the amount stated in the schedule shall be in addition to the sum insured unless otherwise specified. #### 19. Protection costs We will cover you for any costs you reasonably incur for the purpose of, and for damage directly resulting from, controlling any cause of loss that involves or threatens to involve insured property which is covered under this material damage section. However, this extension does not apply to costs or damage for which indemnity would be payable under this material damage section in the absence of this extension. Our liability will be the lesser of $100,000 or the material damage sum insured. #### 20. Redundant foundations For the purpose of claims under this material damage section the meaning of damage is extended to include the loss of value of foundations where the foundations of any building are made redundant for any reason in consequence of insured damage to the superstructures or plant resting on them. If it is not necessary to demolish the foundations in order to reinstate damaged property and if the presence of the abandoned foundations increases the market value of the property to which they are fixed the amount of increase will be treated as salvage in the adjustment of loss for claim settlement purposes. #### 21. Redundant plant and stock **Redundant plant** We will cover you for redundant: (a) interdependent plant; or (b) spare parts of the insured property affected; following loss or damage covered by this material damage section. **Redundant or deteriorated stock** We will cover you for unavoidable permanent loss of the value of undamaged redundant stock or deteriorated stock resulting from a loss of or damage to other insured property covered by this material damage section. #### 22. Reinstatement of amount of insurance In the event of damage for which a claim is payable under this material damage section the amount of insurance cancelled by such damage will be automatically reinstated from the date of damage. You undertake to pay such pro-rata premium at the rate applicable to the item concerned as may be required for the reinstatement. This extension does not apply in respect of any natural disaster damage. #### 23. Release of liability Where you are required by legislation or by contractual agreement to release: (a) the Fire Service Commission; (b) any fire protection equipment suppliers approved by the Insurance Council of New Zealand Inc; (c) any oil company; or (d) any other party to an agreement that has been declared to and accepted by us; from liability arising from damage covered by this material damage section, the release is allowed without prejudice to this insurance and notwithstanding the subrogation condition of this policy. Notwithstanding any provisions of this extension, this insurance will not be prejudiced by any disclaimer clause in any contract entered into by you for: (a) the storage of goods; or (b) the leasing of property; whether the storage and leasing contracts are declared to us or not. #### 24. Restoration and reproduction costs – Proof materials We will cover any of the insured property for all costs reasonable and necessarily incurred by the insured for the replacement, reinstatement, repair, restoration and/or reproduction of proof materials that have suffered damage, including but not limited to print blocks, plates lettering, films (positive or negative), artwork, typeset and/or paste-up. Replacement, reinstatement, repair, restoration and/or reproduction under this clause means the restoration of the damaged property to a condition substantially the same as but not better or more extensive than its condition when new or if destroyed its replacement by similar property in a condition substantially the same as but not better than the condition of the insured property when new. Our liability is limited to $100,000 any one event. #### 25. Rewards We will cover you for the cost of any reward paid by you for the purpose of protecting or recovering any of the insured property. However: (a) no payment will be made unless it contributes to the protection or recovery of the insured property; (b) the terms of the reward must be agreed by us before the reward is offered; and (c) our liability will not be increased beyond the sum insured on the insured property. Our agreement to the terms of a reward payable under this extension will not be unreasonably refused. #### 26. Social club We will cover you for the property of any social club, sports club or similar body whose activities are principally for the benefit of your employees. The property is deemed to be included in the description of insured property as if you owned it. #### 27. Stolen keys We will cover you for the costs reasonably and necessarily incurred in altering or replacing locks and their keys or combinations where any key (including any equivalent device) or combination giving access to insured property is stolen or believed on reasonable grounds to have been duplicated without proper authority. This section also extends to cover the reasonable cost of opening any safe or strongroom following theft of its key or combination. The costs are deemed to be included in the sum insured on the affected property. #### 28. Sustainable rebuilding costs We will cover you for the additional reasonable costs incurred to upgrade building(s) with sustainable products, provided that: a. the building(s) have suffered a total loss covered by this material damage section, and b. reinstatement conditions apply to the building(s), and c. the building(s) are reinstated, and d. we approve the sustainable products, approval will not unreasonably be withheld. Our liability is limited to 5% of the actual cost of reinstatement of the building or $250,000, whichever is lesser. These costs are included in the sum insured for each item of insured property. For the purpose of this extension **Sustainable Products** means: a. products that increase the efficiency of the building relating to the use of energy and/or water, b. rebuilding materials that reduce environmental impacts. #### 29. Temporary removal We will cover you for damage to any of the insured property (except stock) while temporarily removed to any place in New Zealand, but not while in transit to or from that place. However, our liability will not exceed the amount for which we would be liable had the damage occurred at the particular place from which the property is temporarily removed. This extension does not apply to any of the insured property that is intended for use as a portable item (unless removed for service or repair). #### 30. Theft from locked vehicle Notwithstanding exclusion 2 (b) (Criminal Acts & Disappearance) of this material damage section we will cover you for damage at or away from your premises resulting from theft, or any attempt at theft, following forcible entry to or exit from any securely locked motor vehicle or theft or any attempt at theft from a securely locked motor vehicle accompanied by violence or threat of violence to persons. Our liability is limited to $10,000. The excess will be the higher of $1,000 or the burglary excess shown on the schedule. #### 31. Transit Notwithstanding exclusion 7 (g) (Property) we will cover the insured property while in transit within New Zealand. Our liability is limited to $25,000. #### 32. Unharmed property We will cover you for the cost to demolish, damage or remove any property or part unharmed where these costs are incurred for the sole purpose of reinstating damaged insured property. We will also cover you for the cost of reinstating the property or part to a condition the same as, but not better nor more extensive than, its condition immediately prior to the demolition, damage or removal. The indemnity provided by this extension will not increase our liability beyond the sum insured on the insured property damaged. #### 33. Unlawful Substances Notwithstanding exclusions 6.3 and 6.4 (Natural events and other processes), we will cover you for damage being contamination to any building specified in the schedule and any other insured property within that building, caused by the manufacture, supply, storage, possession, distribution or use of any controlled drug as defined in the Misuse of Drugs Act 1975 including methamphetamine, or any pre-cursor chemicals or materials used in any of these activities, provided that: (a) you own the building; and (b) the building is: - a motel or hotel operated by you and the damage is caused by a paying guest; or - leased to a tenant, and you or the person who manages the tenancy on your behalf has met the "Landlord's Obligations". Cover under this extension will only apply where, at the time of the claim being made, the level of chemical contamination exceeds 15μg/100cm2. We will only pay for decontamination to the extent required to achieve a post-remediation level of less than 1.5μg/100cm2. For the purpose of this extension, **Landlord's Obligations** are that you or the person who manages the building on your behalf must: (a) exercise reasonable care in the selection of tenant(s) by obtaining at least satisfactory verbal or written references; and (b) complete an external and internal inspection of the property at a minimum of six monthly intervals and upon every change of tenancy; and (c) keep a written record of the outcome of each inspection, and provide a copy to us if a copy is requested. Our liability under this extension is limited to $50,000 any one occurrence, up to a maximum of $250,000 in any period of insurance. #### 34. Unspecified locations We will cover you for sudden and accidental damage to contents and/or stock while situated at any unspecified location in New Zealand away from the situation. We will not cover contents and/or stock that are temporarily removed, or any portable electronic equipment, or any portable tools of trade. Our liability is limited to $25,000 for any one event, or the sum insured for contents and/or stock, whichever is the lesser. ### Exclusions Refer also to the general exclusions of this policy. #### 1. Consequential losses This material damage section does not insure any consequential losses including penalties, loss of use of any property, delays, or loss of market (except for those consequential losses referred to in exclusion 4.), express freight and overtime labour as a cost of reinstating any insured property unless those costs are reasonably incurred. #### 2. Criminal acts and disappearance This material damage section does not provide cover for: (a) (i) unexplained disappearance; (ii) shortages revealed only by the taking of an inventory; (iii) shortages due to clerical or accounting errors; or damage directly resulting from: (b) theft; (c) any fraudulent scheme or device or false pretence practised on you or on any other person having care of the insured property. #### 3. Damage to machinery In respect of the machine or pressure vessel immediately affected, this material damage section does not insure: (a) explosion, overheating, rupture, bursting, cracking, leakage, collapse, of steam boilers, or pipes, or economisers, or any other pressure vessels, due in each case to generated or applied fluid pressure within or without (excluding pressure caused by chemical explosion); or (b) mechanical or electrical breakdown or derangement of any machine or pressure vessel. However, this exclusion does not apply to: (i) damage to other property that is not otherwise excluded; or (ii) damage as defined in (a) and (b) above, caused by or arising from a peril or event not otherwise excluded in this material damage section. #### 4. Faulty workmanship, design and materials This material damage section does not insure the cost of putting right: (a) or repairing or replacing faulty materials; (b) faulty workmanship; (c) work performed to a faulty or defective design, plan or design specification; or (d) faulty or defective work where the fault or defect results from an error or omission in design, plan or design specification; but this exclusion does not apply to any consequential damage occurring as a result of (a) to (d) as shown in this exclusion that is not otherwise excluded. #### 5. Moisture penetration This material damage section does not insure damage as a result of or in connection with the failure of any building or structure to contain or incorporate: (a) materials; or (b) a design; or (c) a system; or (d) a standard of workmanship; that effectively prevents or manages the presence or penetration of moisture or water to which the building or structure might reasonably be subjected. #### 6. Natural events and other processes **1. This material damage section does not insure damage directly or indirectly caused by or resulting from:** (a) action or effects of micro-organisms, mould, mildew, rot, fungi, other than direct damage by fire as a result of any of these; (b) normal settlement, shrinkage or expansion of buildings, foundations, walls, pavements, roads and other structural improvements; (c) natural disaster; (d) subsidence, landslip, erosion, settling, cracking or movement of the land; (e) gradual deterioration, other than direct damage by fire as a result of this. **2. This material damage section does not insure damage directly caused by:** (a) fumes, gas, dust, smoke, smuts unless caused by a sudden single identifiable event; (b) normal working, maintenance, wear and tear, erosion, corrosion, slowly developing deformation or distortion, marring or scratching; (c) action of vermin, insects; (d) the inherent nature of the property; (e) action of light; (f) changes in artificially controlled temperature or atmosphere; (g) exposure to weather conditions where the property is not normally left in the open unless reasonable precautions have been taken to protect the property from those conditions; (h) interruption of the supply to the site of water, gas, electricity or any fuel; (i) total or partial cessation of work, retarding or interruption or cessation of any process. **3. This material damage section does not insure damage, directly or indirectly caused by contamination or pollution, or damage consisting of or costs or expenses arising from contamination or pollution from any cause whatsoever.** **4. This material damage section does not insure damage to insured property arising from the manufacture, supply, storage, possession or use of any controlled drug as defined in the Misuse of Drugs Act 1975 including methamphetamine, or any precursor chemicals or materials used in any of these activities in or near the insured property. This exclusion does not apply to damage to insured property caused by fire or explosion, including resulting smoke damage.** #### 7. Property This material damage section does not insure: (a) property in the course of installation, construction, demolition, erection, or testing following any of them; (b) money; (c) jewellery, precious stones, furs, precious metals or bullion, other than as stock of the business or as part of any plant; (d) motor vehicles, other mechanically or electrically propelled vehicles (including but not limited to railway locomotives and rolling stock), watercraft and aircraft of every kind, and accessories contained in them or on them, other than as stock of the business; (e) any of the following property unless it is specified in the schedule: standing timber, growing crops, pastures, livestock, trees, hedges, dams, canals, reservoirs (but not tanks), road or railway tunnels, road or railway bridges, docks, piers, wharves, mining property located beneath the surface of the ground, any land including topsoil and backfill; (f) (i) computer software, computer systems records and data including the replacing or reproducing of information contained in or on them; or (ii) the loss of value of the information contained in or on computer software, computer systems records and data; (g) property in transit other than at premises you own or occupy; or (h) property damaged as a result of it undergoing any production process where the damage is directly caused by the normal operation of that process. #### 8. Seismic strengthening This material damage section does not insure any additional cost necessary only to comply with regulations applicable to the repair, replacement or reinstatement of damaged insured property (or any portion of it) in connection with: (i) property being an earthquake-prone building as described in the Building Act 2004 (and any substitution of, amendment to, replacement of or statutory regulation made under this Act); or (ii) the seismic capacity of the property; or (iii) the performance of the property in an earthquake. For the avoidance of doubt, the costs to reinstate up to the level of seismic capacity or earthquake performance which applied to the property prior to the damage are not excluded by this section. #### 9. Transmission and distribution lines This policy does not insure any above ground transmission and distribution lines, including wire, cables, poles, pylons, standards, towers, other supporting structures and any equipment of any type which is related to such installations. This exclusion applies to all equipment other than that which is on or within 300 metres of an insured structure and which is the responsibility of the Insured. This exclusion applies both to physical loss or damage to the equipment and all business interruption, consequential loss, and/or other contingent losses related to transmission and distribution lines, other than losses defined and insured under the Contingent Business Interruption automatic extension under the Business Interruption section. ### Memoranda #### 1. Building Act 2004 compliance schedule Where required under the Building Act 2004 (or any replacement Act) and any subsequent amendments you must ensure all inspections, maintenance and reports are completed as required by the compliance schedule for any building covered under this material damage section. This material damage section does not insure any damage directly or indirectly caused by or contributed to by circumstances that would not have existed at the time of the damage if these requirements had been met. #### 2. Deep frying equipment If on any premises owned or occupied by you there is any deep frying with oil or fat you warrant that: (a) each vat is fitted with a close-fitting steel lid that is shut when the vat is not in use; (b) a fire blanket is installed in a highly visible location in the vicinity of, but at a safe distance away from, the frying operation and that the fire blanket is readily accessible for immediate use at all times during any deep frying operation; (c) a fully charged wet chemical extinguisher or other similar 'F'-rated fire extinguisher complying with the New Zealand Standard NZS 4503 (Hand Operated Fire Fighting Equipment) must be installed in a highly visible location in the vicinity of, but at a safe distance away from, the frying operation and is accessible for immediate use at all times during any deep frying operation; (d) all thermostats, pans, blankets and extinguishers are at all times maintained in good working order; (e) extraction filters are cleaned weekly and extraction flues and ducting inspected monthly and cleaned as necessary; (f) a separate non-adjustable manual reset thermostat is fitted to it and set to disconnect/shut down the energy source when the temperature of the cooking liquid exceeds a safe operating temperature. Over-temperature cut out set point is manufacturer dependent (between 220°C to 235°C) but must not be higher than 246°C; and (g) all cooking liquids for disposal are at all times stored in a suitable, fit for purpose container with a close fitting lid until removal from the premises. If you are not the occupier of the premises or operator of the equipment you will in writing instruct the occupier and operator to carry out the requirements in (a) to (g) above to ensure that the terms of this warranty are met at all times. #### 3. Diligence You will: (a) comply with all statutory regulatory or local authority requirements pertaining to the ownership, occupation and use of insured property; (b) take all reasonable precautions to prevent loss, destruction or damage to insured property; (c) maintain any automatic fire protection sprinkler system or automatic fire detection system and/or portable fire appliances installed in efficient operating order and activated; (d) keep closed during non-working hours any fire resisting doors and shutters and maintain them in efficient operating order; (e) keep any dangerous goods in accordance with the provisions of the Dangerous Goods Act or the Hazardous Substances and New Organisms Act 1996 (or any replacement Acts) and any subsequent amendments; and (f) maintain any security protection in efficient operating order and activated during non-working hours. ### Conditions Refer also to the general conditions of this policy. #### 1. Alteration of risk If you become aware of any change in the nature of occupation or other circumstances whereby the risk of loss or damage is increased, this insurance will cease in respect of the affected property unless and until the change is accepted by us in writing. However, this insurance will not be prejudiced by: (a) such changes in the use or occupancy of premises as are usual or incidental to your business; (b) the performance of any structural alterations or repairs to insured property, providing the circumstances are reported to us in writing within a reasonable time after you become aware of them, and provided you agree to pay a reasonable additional premium for the increased risk if we so require; (c) such changes in the nature of occupation or other circumstances that you innocently failed to report to us, provided notice is given to us immediately you become aware of the failure and you agree to pay an appropriate additional premium if required; (d) the cessation of operations or vacancy of any building for a period not exceeding 30 days; or (e) the cessation of operations or vacancy of any building for a period in excess of 30 consecutive days, providing the circumstances are reported to us within a reasonable time after you become aware of them and you agree to pay a reasonable additional premium for the increased risk if required. #### 2. Excess Each loss or series of losses arising out of one event will be adjusted separately: (a) net of salvage and other recoveries; and (b) net of the excess amount or excess percentage shown in the schedule. A series of events arising from any one cause during any period of 72 consecutive hours will be treated as one event for the purpose of applying the excess. #### 3. Inspection We are entitled to inspect insured property at any reasonable time and you must provide such information as may be reasonably required by us in respect of the subject matter of this insurance. Neither this condition, nor any inspection performed by us, nor any report arising from such an inspection, are to be regarded as an undertaking by us to determine or warrant that any operations or premises are safe. #### 4. Misdescription This material damage section is voidable in the event of any misrepresentation, misdescription or non-disclosure of any material fact. However, the insurance will not be prejudiced by: (a) any innocent and inadvertent misdescription of property or occupancy in the proposal or submission; or (b) any act of the occupier whereby the risk of damage to property not in your occupation is increased without your authority or knowledge; provided we are given notice immediately you become aware of any of the above happenings. You also agree to pay an appropriate additional premium if required. #### 5. Progress claim payments We will make progress claim payments on production of acceptable evidence of insured loss where damage occurs that gives rise to a claim under this material damage section. If the aggregate of progress payments exceeds the total amount of the adjusted loss you will immediately refund the difference. #### 6. Salvage Where property covered by this material damage section is damaged, we may: (a) enter any building where the damage has occurred and take and keep possession of the damaged property; and (b) deal with the salvage in any reasonable manner; however: (i) you are not entitled to abandon any property to us; and (ii) we are not entitled to sell or otherwise dispose of salvaged branded goods without your prior consent. Should you decline to give consent you will retain possession of the salvaged goods and their reasonable salvage value will be deducted from the amount of claim that would otherwise be payable. Where it is practical to remove brands, labels or other marks, that identify the goods as supplied by you, the salvage value of the goods will be determined after such removal at our expense. #### 7. Sum insured adjustment for existing damage In the event that there was existing damage to insured property at the commencement of the period of insurance which has not been repaired, replaced or reinstated at the time of loss or damage covered by this section, the amount of that existing damage will be deducted from the total sum insured and from any sum insured declared to us or otherwise specified on the schedule in respect of that item or category of insured property at the situation, and the amount payable by us to indemnify you for the loss or damage will be reduced accordingly. The amount of existing damage is to be calculated as the cost that would have been incurred to repair, replace or reinstate that existing damage if it had been repaired, replaced or reinstated by you. This sum insured adjustment for existing damage will apply for all purposes of this material damage section and the automatic and additional extensions. ### Additional extensions Each of the following extensions will have no effect unless there is a statement in the schedule that the particular extension will apply. They are subject to all the provisions of the policy and of this material damage section (unless otherwise stated). If there is any conflict or inconsistency between this material damage section and the extension, only the extension will apply. If there is any conflict or inconsistency between extensions, only the more particular extension will apply. #### Extraneous perils MD001 The indemnity provided is restricted to damage to the insured property directly caused by any of the perils listed below provided always that all the terms, exclusions and conditions of this material damage section, and the general exclusions and general conditions of this policy will apply except in so far as they are expressly varied. 1. Fire, lightning and explosion. 2. Windstorm, hail, snow, ice or frost applicable only to buildings that are fully enclosed and their contents but excluding damage: (a) caused by subsidence, landslip or erosion; (b) to buildings in course of construction or alteration or their contents; or (c) to glasshouses or their contents. 3. Aircraft and other aerial or spatial devices and articles dropped from them. 4. Impact by animals or land vehicles but excluding damage to contents or stock not being within a fully enclosed building unless forming part of a permanent structure. 5. Riot, civil commotion, strikes, locked-out workers or persons taking part in labour disturbances. 6. Malicious acts of persons (whether or not in the course of a disturbance of the peace), but excluding destruction or damage to: (a) contents or stock in the open unless forming part of a permanent structure; (b) buildings in course of construction or alteration or their contents unless such buildings are entirely enclosed and under roof; or (c) glasshouses, or their contents. 7. Accidental leakage or spillage of any gas, vapour, liquid (other than water) or molten material but excluding: (a) damage to such escaped material; (b) the cost of removing or recovering such escaped material; (c) the cost of rectifying the fault that permitted the leakage or spillage; (d) damage to goods in transit; (e) damage caused by or happening during the course of repairs or alterations; or (f) damage to that unit of plant machinery or apparatus used for the containment dispensing or transmission of any vapour liquid or molten material that has escaped or leaked from it. 8. Sonic shock waves (also known as sonic boom). 9. Smoke resulting from the sudden unusual and faulty operation of any stationary furnace or boiler within the insured premises. 10. Water damage including costs necessarily incurred in the removal of water and debris from the insured premises but not water damage caused: (a) to contents or stock in the open unless forming part of a permanent structure; (b) to water apparatus; (c) during or as a result of alterations or repairs to buildings or water apparatus; (d) as a result of wear and tear or the gradual deterioration of water apparatus; or (e) directly or indirectly by subsidence landslip or erosion. 11. Self ignition being the actual burning out of any part or parts of electrical machines installations or apparatus or electrical motors and starters that do not individually exceed 5 Kw switchboards and electrical reticulation not more specifically insured under any other policy of insurance, caused by the electric current in them but not damage to: (a) radio, television, audio, computer and other electronic equipment of every description; (b) vacuum tubes and thermionic valves; (c) flexible or trailing leads from the point of permanent electric supply to any apparatus; (d) lighting or heating elements, fuses or protective devices; or (e) electrical contacts at which sparking or arcing occurs in ordinary working. #### Burglary MD002 We will cover you for damage directly resulting from theft or any attempt at theft accompanied by: (a) violent and forcible entry to or exit from any enclosed building. The burglary excess shown in the schedule will apply to claims under this part of this extension; or (b) violence or threat of violence to persons. The standard excess shown in the schedule will apply to claims under this part of this extension. #### Mortgage redemption insurance MD003 Cover is provided in accordance with Section 137(1)(b) of the Unit Titles Act 2010 or any subsequent amendments thereof. **Proprietor** is the person or persons referred to in this policy as the insured that is registered as proprietor of the stratum estate in the unit or interest named in that. **Mortgagee** is the other person or persons named in this policy as mortgagee and who has granted a loan to the proprietor on the security of the unit named in that. If the mortgagee has as a condition of the loan granted to the proprietor required the proprietor to effect this insurance and subject to the special provisions set out below, and subject also to the terms, exclusions and conditions of this material damage section and the general exclusions and general conditions of this policy except in so far as they are varied by this extension we will insure the proprietor in respect of: 1. the proprietor's liability to repay the whole or any part of the sum secured to the mortgagee in the event of destruction or damage of the unit or interest named in this policy in accordance with the conditions of the loan granted by the mortgagee to the proprietor but in no case exceeding: (a) the amount of the destruction or damage; or (b) the amount sufficient at the date of the destruction or damage to discharge the mortgages upon the unit, whichever is the least amount. 2. the cost involved in making such transfers as set out in (c) or (d) below will be borne by us. These costs are included in the sum insured on the affected property. It is agreed that: (a) any payment made by us under this material damage section will be made to the mortgagee or mortgagees named in this policy in order of their respective priorities; (b) the proprietor will be liable to repay to us the amount paid by us to the mortgagee or mortgagees under this material damage section, and such payment will not reduce or discharge the liability of the proprietor as mortgagor; (c) where the amount paid by us equals the amount necessary to repay a mortgage upon the unit or interest insured we will, in order to have secured the repayment by the proprietor to it of the amount so paid, be entitled to a transfer of that mortgage with interest apportioned at the date of transfer; (d) where the amount paid by us is less than the amount necessary to repay a mortgage upon the unit or interest insured we will, in order to have secured the repayment by the proprietor of the amount so paid, be entitled to require the mortgagee to transfer the mortgage jointly to the mortgagee and us to be held by both parties as tenants in common in shares bearing the same proportion to one another as the amount remaining unpaid to the mortgagee under the mortgage bears to the amount paid by us; (e) the insurance under this material damage section will not be liable to be brought into contribution with any other policy of insurance save another mortgage redemption insurance affected under section 137(1)(b) of the Unit Titles Act 2010 or any subsequent amendments and (f) we will only be obliged to indemnify the proprietor as set out in this extension if: (i) the insurer of the principle policy covering the unit in accordance with section 15 Unit Titles Act 2010 properly declines to reinstate the unit; or (ii) the principle policy has been properly terminated before the date of loss or damage. **Warranty** Notwithstanding the cover provided by this extension it is warranted that a separate policy providing full reinstatement cost protection is maintained in force at all times which will also cover the property as insured by this extension section. #### Hothouses glasshouses and shadehouses MD006 We will not be liable for damage caused by or resulting from the action of the wind, rain, snow, frost, ice or hail to any building or the contents of them where the exterior cladding of such building is of flexible plastic material or glass. Any other claim in respect of such cladding will be indemnity only. Depreciation for flexible plastic material used for exterior cladding is based on a maximum five-year life span for the material. #### Theft from locked vehicle – increased limit MD007 The automatic limit of $10,000 is increased to the amount shown in the schedule. #### Fire only MD018 The indemnity provided is restricted to damage to the insured property directly caused by fire. #### Natural disaster extension MD021 This extension applies to those situations, items and/or categories of insured property that have a natural disaster sum insured shown on the schedule. The word damage extends to include natural disaster damage. Exclusion 6.1 (c) (Natural events and other Processes) is consequently deleted. Our liability in respect of natural disaster damage in any one period of insurance will not exceed the total sum insured for natural disaster, and where more than one situation, item and/or category of insured property is included on the schedule will not exceed in respect of each situation, item and/or category of insured property the applicable natural disaster sum insured. The sum insured adjustment for existing damage provided for in Condition 7 (Sum insured adjustment for existing damage) will apply to all sums insured for natural disaster. In respect of each situation at which insured property is located each loss or series of losses arising out of: 1. one event; or 2. a series of events arising from one cause during any one period of 72 consecutive hours will be adjusted separately net of salvage and other recoveries. From the adjusted loss within the coverage of the policy and within the sum insured for the situation, item and/or category of insured property, we will deduct any amount payable under the Natural Hazards Insurance Act 2023 (the NHI Act) for the same event and for the same insured property, as cover under the material damage section will only apply in excess of any amount payable under the NHI Act. Your natural disaster excess payable for any claim will be reduced by any amount payable under the NHI Act for the same event and the same insured property. Your natural disaster excess will apply to the combined total of all natural disaster claims under the material damage section and the business interruption section arising from any one event at each situation. For the purposes of this extension: a) **NHI Act** includes the Natural Hazards Insurance Act 2023 and any replacement Act or other statutory scheme providing insurance against natural hazards. **Natural hazard** (under the NHI Act) means: (i) Each of the following is a natural hazard: - an earthquake - hydrothermal activity - a landslide/landslip - a tsunami - volcanic activity - a flood - a storm - a natural hazard fire (ii) However, the normal action of the wind or water causing gradual erosion (including, for example, coastal erosion, bank erosion, and sheet erosion) is not a natural hazard. b) we will not be liable for imminent damage as determined by Toka Tu Ake Natural Hazards Commission (NHC) under the N --- *SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This is an educational mirror of a public policy-wording document — not financial or insurance advice, not a placement recommendation, and not the authoritative policy. For binding cover and current terms, engage an FSPR-registered adviser or broker and read the insurer's official wording.* --- ### https://smallbusinessinsurance.co.nz/pricing.md # SmallBusinessInsurance.co.nz — Indicative Pricing > Prices are indicative only. Actual premiums vary based on business type, size, industry, claims history, location, and insurer. Request a free quote for accurate pricing. ## By Business Size | Business Type | Employees | Indicative Monthly Cost | Typical Coverage | |---|---|---|---| | Sole Trader | 0 | $60-150/month | Public Liability, Professional Indemnity, Cyber | | Small Business | 1-10 | $150-400/month | Public Liability, Professional Indemnity, Employer Liability, Contents | | Medium Business | 11-50 | $400-800/month | All coverage types including Business Interruption, Key Person | ## By Insurance Type | Insurance Type | Starting From | Typical Coverage Limit | |---|---|---| | Public Liability | $25/month | $2,000,000 | | Professional Indemnity | $20/month | $1,000,000 | | Business Contents | $15/month | Up to $100,000 | | Cyber Insurance | $30/month | $500,000 | | Business Interruption | $40/month | 12 months cover | | Employer Liability | $35/month | Varies | | Tool Insurance | $12/month | Varies | ## By Industry | Industry | Indicative Monthly Cost | |---|---| | Construction & Trades | $180/month | | Professional Services | $120/month | | Retail & E-commerce | $140/month | | Technology & IT | $100/month | | Healthcare & Medical | $200/month | | Hospitality & Food | $160/month | ## How We Are Paid - Business insurance commission: 0-25% of annual premium - No upfront fees to you - No volume-based payments from providers - Commission paid by the insurer, not by you ## Get an Accurate Quote Request a free, no-obligation quote: https://smallbusinessinsurance.co.nz/get-quotes Operated by Evolve Group Limited (FSP711891), licensed by the Financial Markets Authority. --- ## Part 2 — HTML pages (text-only) ### https://smallbusinessinsurance.co.nz/about/ About Us - Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes About Small Business Insurance NZ Operated by Evolve Group Limited (FSP711891) Our Mission SmallBusinessInsurance.co.nz helps New Zealand business owners compare insurance quotes from multiple providers. We connect you with licensed financial advisers who source competitive quotes tailored to your business needs. Who We Are This service is operated by Evolve Group Limited , a registered Financial Advice Provider (FSP711891) regulated by the Financial Markets Authority (FMA). We are a member of the Financial Services Complaints Limited (FSCL) dispute resolution scheme. When you submit an enquiry, Nevil Chand (Financial Adviser, FSP501687) makes the initial contact by email to gather any additional information needed and confirm scope. Where your enquiry concerns business insurance, Evolve Group Limited then refers your details to Blanket Advice Limited (FSP1004126) — a separately licensed Financial Advice Provider — who will provide the regulated financial advice on the business insurance aspect of your enquiry and obtain quotes from their wider panel of insurers. Personal-risk enquiries (life, key-person, trauma, income protection, medical) are advised on directly by Evolve Group Limited. Both Evolve Group Limited and Blanket Advice Limited are registered on the Financial Service Providers Register . Why Choose Us Licensed Advisers Our advisers are licensed under the Financial Markets Conduct Act 2013 and operate under Evolve Group Limited's FAP licence. Multiple Providers We compare quotes from a range of NZ insurers to help you find competitive coverage for your business. No Upfront Fees Our service is free to use. We are paid a commission by the insurer you choose — see our disclosure statement for details. Dispute Resolution If you have a complaint, please contact us first. If we cannot resolve your complaint, you can refer it to Financial Services Complaints Limited (FSCL) — a free, independent dispute resolution service. Visit fscl.org.nz or call 0800 347 257. Get Your Insurance Quote Ready to protect your business? Get free quotes from multiple NZ insurers — no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/blog/business-insurance-checklist-nz/ Business Insurance Checklist 2026 - What You Need SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Checklist 2026 Make sure you have the right coverage Published: January 2026 Essential Coverage Checklist ☐ Public Liability Insurance (Essential for most businesses) ☐ Professional Indemnity (Essential for service businesses) ☐ Cyber Insurance (If you handle customer data) ☐ Employer Liability (Required if you have employees) ☐ Business Contents (If you have equipment/stock) ☐ Business Interruption (For established businesses) Get Your Quote Today Ready to protect your business? Get free quotes from established NZ insurers. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/blog/business-insurance-guide-nz/ Complete Guide to Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Complete Guide to Business Insurance NZ Everything New Zealand business owners need to know Published: January 2026 Business insurance protects your company from financial losses due to unexpected events. This comprehensive guide covers everything you need to know. Why You Need Business Insurance Without insurance, a single claim could bankrupt your business. Insurance provides financial protection and legal defense. Types of Coverage The main types include public liability, professional indemnity, cyber insurance, and business interruption cover. Most businesses need multiple types. Get Your Quote Today Ready to protect your business? Get free quotes from established NZ insurers. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/blog/how-much-does-business-insurance-cost-nz/ How Much Does Business Insurance Cost in NZ? 2026 Pricing Guide SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes How Much Does Business Insurance Cost in NZ? A detailed pricing breakdown for New Zealand small businesses — updated for 2026 Updated: April 2026 · SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891) Quick Answer Most New Zealand small businesses pay between $60 and $800 per month for business insurance, depending on the size of the business, the industry, and the types of cover included. A sole trader with basic public liability cover could pay as little as $60/month. A medium-sized construction or hospitality business with multiple policies bundled together will be toward the higher end. Actual premiums vary based on your specific circumstances. If you're a New Zealand business owner researching how much business insurance costs, you've probably noticed that getting a straight answer is difficult. That's because business insurance isn't a single product — it's a collection of cover types, and the cost depends on what you need, how large your business is, what industry you operate in, and a number of other factors. This guide provides indicative pricing ranges to help you budget and understand what to expect. All figures below are approximate and based on common market ranges — your actual premium will depend on your individual risk profile, claims history, and the insurer you choose. Business Insurance Costs by Business Size The size of your business is one of the biggest factors in determining your insurance costs. More employees means more exposure, higher revenue usually means higher claim values, and more assets means more to protect. The table below shows indicative monthly ranges. These assume a bundle of common cover types relevant to each business size. Business Size Indicative Monthly Cost What's Typically Included Sole Trader / Contractor $60 – $150/mo Public liability, professional indemnity or tool cover (depending on trade), possibly contents Small Business (1–10 employees) $150 – $400/mo Public liability, employer's liability, professional indemnity, business contents, possibly cyber cover Medium Business (11–50 employees) $400 – $800/mo All of the above plus business interruption, management liability, higher coverage limits across all policies These ranges are indicative. A sole trader electrician with expensive tools and a vehicle will pay differently from a sole trader graphic designer working from home. The point is that your business size gives you a starting point for budgeting. Business Insurance Costs by Coverage Type Most businesses don't buy a single insurance policy — they combine several types of cover. Understanding the indicative cost of each type helps you prioritise what you need and budget accordingly. Insurance Type Indicative Monthly Cost What It Covers Public Liability $15 – $50/mo Third-party injury or property damage caused by your business activities Professional Indemnity $20 – $80/mo Claims arising from professional advice, errors, or omissions in your work Cyber Insurance $30 – $100/mo Data breaches, ransomware, business interruption from cyber events, notification costs Business Contents $15 – $40/mo Office equipment, furniture, stock, and other physical assets at your premises Business Interruption $40 – $120/mo Lost revenue and ongoing costs if your business cannot operate due to an insured event Employer's Liability $35 – $80/mo Claims from employees for workplace injury or illness beyond what ACC covers Tool & Equipment Insurance $10 – $30/mo Portable tools and equipment used on job sites — theft, loss, or accidental damage All figures are indicative and will vary based on your specific business, coverage limits, excess, and insurer. Get a personalised quote for accurate pricing. Note that bundling multiple cover types into a single policy (often called a Business Pack or BizPack) is usually cheaper than purchasing each policy individually. If you need three or more of the above, ask about bundled options when you get quotes. Business Insurance Costs by Industry Your industry is a major driver of your premium because it determines your risk profile. A builder working at heights on construction sites has fundamentally different risks from an accountant working at a desk. Insurers price this accordingly. Trades and Construction Builders, electricians, plumbers, and other tradespeople typically face higher premiums because their work involves physical risks — working at heights, using power tools, entering client properties, and handling materials that can cause damage. Public liability is essential and tends to cost more in this sector. Many tradies also need tool and equipment cover. Indicative range: $150 – $350/month for a sole trader or small team, depending on the specific trade and coverage. Professional Services Accountants, lawyers, consultants, architects, engineers, and similar professionals tend to pay less for public liability (lower physical risk) but more for professional indemnity. If your advice could lead to a client suffering a financial loss, professional indemnity is critical and often required by professional bodies or client contracts. Indicative range: $80 – $250/month depending on revenue, the nature of your advice, and coverage limits. Retail Retail businesses need to protect their stock, premises, and consider public liability for customers visiting their shop. Business interruption cover is important since retailers depend on being open to trade. Stock value and location (flood zone, high-crime area) both influence the premium. Indicative range: $100 – $300/month depending on stock value, location, and number of employees. Technology and IT Tech businesses often carry lower physical risk but face significant exposure through cyber threats, data handling, and the consequences of software errors or project delays. Professional indemnity and cyber insurance are typically the priority covers. If you hold client data, cyber cover is increasingly expected by enterprise customers. Indicative range: $100 – $280/month depending on the nature of the work, client data held, and revenue. Hospitality Cafes, restaurants, bars, and accommodation providers face a combination of risks: public liability (customers on premises), contents and equipment (commercial kitchens are expensive to replace), employer's liability (larger staff teams), and business interruption. Hospitality tends to sit at the higher end of the pricing spectrum because of these overlapping exposures. Indicative range: $200 – $500/month depending on size, liquor licensing, and number of staff. Cleaning and Property Services Cleaners and property maintenance businesses work on other people's property, which makes public liability essential — accidentally damaging a client's carpet, flooding a bathroom, or breaking equipment can lead to claims. The good news is that premiums for cleaning businesses tend to be at the lower end since individual claim values are usually smaller. Indicative range: $60 – $180/month depending on the nature of the work and number of staff. What Factors Affect Your Business Insurance Premium? Understanding what drives your premium helps you make informed decisions about your cover. Here are the eight main factors insurers consider: Industry and occupation — As outlined above, higher-risk industries pay more. An office-based consultant has a very different risk profile from a roofer. Annual revenue — Higher revenue generally means higher potential claim values, which increases premiums. A business turning over $2 million has more financial exposure than one at $200,000. Number of employees — More people means more potential for claims, whether from employer's liability, errors in work, or increased public interaction. Each additional employee adds to the overall risk pool. Claims history — If your business has made previous insurance claims, insurers may charge a higher premium or apply restrictions. A clean claims history works in your favour and can lead to lower premiums over time. Location — Where your business operates affects your risk profile. A business in a flood-prone area or high-crime suburb may pay more for contents or property cover. Businesses that operate across multiple sites may also face higher premiums. Coverage limits — The maximum amount your insurer will pay out per claim or per year. Higher limits provide more protection but cost more. A $1 million public liability limit costs less than a $5 million limit, but the lower limit may not be adequate for your needs. Excess (deductible) — The amount you pay out of pocket before the insurer covers the rest. Choosing a higher excess reduces your premium but means you carry more of the cost if you make a claim. Bundling — Purchasing multiple cover types from the same insurer as a package deal is usually cheaper than buying separate standalone policies. Ask about Business Pack or BizPack options. How to Reduce Your Business Insurance Costs While you shouldn't cut corners on the cover you genuinely need, there are legitimate ways to keep your business insurance costs manageable: Bundle your policies — Combining public liability, contents, and other covers into a single Business Pack almost always works out cheaper than buying each policy separately. Many insurers offer meaningful discounts for bundled packages. Increase your excess — If your business can comfortably absorb a $1,000 or $2,000 excess on smaller claims, choosing a higher deductible will reduce your monthly premium. Only do this if you have the cash reserves to cover the excess when needed. Implement risk management practices — Documented health and safety procedures, security systems, staff training, and quality control processes can demonstrate to insurers that you're actively managing risk. Some insurers offer discounts for specific risk management measures. Review your cover annually — Business needs change. You might be paying for cover you no longer need, or your asset values may have changed. An annual review ensures you're not over-insured or under-insured. Compare quotes from multiple providers — Premiums can vary significantly between insurers for the same level of cover. Getting quotes from two or three providers gives you a realistic picture of the market and ensures you're not overpaying. Only insure what you need — Don't pay for cover types that don't apply to your business. A home-based consultant probably doesn't need a large business contents limit sized for a retail stockroom. Be honest about your actual exposures and cover those specifically. Public Liability Insurance Cost in NZ Public liability insurance is the most common type of business insurance in New Zealand and often the first policy business owners purchase. It covers you if your business activities cause injury to a third party or damage to their property. Because public liability is so widely searched for, here's a more detailed breakdown of indicative costs by industry: Industry Public Liability (Indicative Monthly) Why This Range Office-based consultant $15 – $25/mo Low physical risk, minimal client-site work Cleaner / Property services $15 – $30/mo Working on client property but lower claim values Retail shop $20 – $35/mo Public foot traffic, slip-and-fall risk on premises Personal trainer / Fitness $20 – $40/mo Physical activity with clients, injury risk Cafe / Restaurant $25 – $45/mo Food service, hot liquids, public premises Electrician / Plumber $30 – $50/mo Working on client property, potential for water/fire damage Builder / Construction $35 – $50/mo Heights, heavy materials, structural work, higher claim values These ranges are indicative only and assume standard coverage limits (typically $1M–$2M). Actual premiums vary based on your revenue, claims history, location, and chosen insurer. Always get a personalised quote. Public liability is often available as a standalone policy, but you'll typically get better value by bundling it with other cover types you need. In New Zealand, ACC covers workplace injuries for employees, but public liability covers third-party injury and property damage — these are separate things. Is Business Insurance Tax Deductible in NZ? Yes. Business insurance premiums are generally tax deductible as a legitimate business expense in New Zealand. This applies to all the common types of business insurance, including: Public liability insurance Professional indemnity insurance Business contents and asset insurance Business interruption insurance Cyber insurance Employer's liability insurance This means the effective cost of your business insurance is reduced by your marginal tax rate. For a company paying the 28% corporate tax rate, a $200/month insurance premium effectively costs $144/month after tax. If you use a vehicle or home office for both business and personal purposes, you can generally only claim the business-use portion of related insurance. Consult your accountant or visit the IRD website for guidance specific to your situation. Frequently Asked Questions How much does business insurance cost in New Zealand? Business insurance in New Zealand typically costs between $60 and $800 per month, depending on your industry, business size, revenue, and the types of cover you need. Sole traders generally pay $60–$150/month, small businesses with 1–10 employees pay $150–$400/month, and medium businesses with 11–50 employees pay $400–$800/month. Actual premiums vary based on your specific circumstances. Is business insurance tax deductible in NZ? Yes. Business insurance premiums are generally tax deductible as a business expense in New Zealand. You can claim the cost of insurance that relates to your business operations. Consult your accountant or visit the IRD website for guidance specific to your situation. How much does public liability insurance cost in NZ? Public liability insurance typically costs between $15 and $50 per month for small businesses in New Zealand. The cost varies by industry — low-risk office-based businesses pay toward the lower end, while trades and hospitality businesses with higher physical risk tend to pay more. Coverage limits, claims history, and revenue also affect the premium. Do I need business insurance as a sole trader in NZ? While most business insurance is not legally mandatory in New Zealand (ACC covers workplace injuries), many sole traders carry public liability and professional indemnity cover to protect against claims from clients or the public. Some contracts and clients require you to hold specific insurance before they will engage your services. If your work involves entering client premises, providing professional advice, or handling valuable assets, insurance is strongly recommended. What is the lowest-cost business insurance in NZ? The most affordable business insurance policies in New Zealand start from around $15–$30 per month for a single cover type such as public liability. Bundling multiple cover types into a single policy is typically cheaper than buying each policy separately. Increasing your excess and maintaining a clean claims history can also help reduce your premium. How can I reduce my business insurance costs? You can reduce your business insurance costs by bundling policies together, choosing a higher excess (deductible), implementing documented risk management practices, reviewing your cover annually to remove anything you no longer need, comparing quotes from multiple providers, and only insuring what you actually need to protect. See the detailed tips section above for more. Get Your Personalised Quote The figures in this guide are indicative. The only way to know exactly what your business insurance will cost is to get a quote based on your specific situation. We'll compare options and find the right cover for your business — no obligation, no pressure. Get Free Quotes SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/blog/ Business Insurance Blog NZ - Guides, Tips & Advice SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Blog Expert guides and advice for New Zealand business owners Get Free Quotes Complete Guide to Business Insurance NZ Everything you need to know about protecting your New Zealand business with the right insurance coverage. Read more → How Much Does Business Insurance Cost in NZ? Detailed breakdown of business insurance costs by industry, size, and coverage type. Read more → Business Insurance Checklist 2026 Essential checklist for ensuring you have the right business insurance coverage. Read more → NZ Business Insurance Requirements What insurance is legally required for your New Zealand business? Read more → SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/blog/small-business-insurance-requirements-nz/ NZ Business Insurance Requirements - What's Compulsory? SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes NZ Business Insurance Requirements What insurance is legally required in New Zealand? Published: January 2026 Legally Required Insurance Employer Liability: Required if you have employees Vehicle Insurance: Third-party cover legally required Contractually Required Public Liability: Often required by clients and building sites Professional Indemnity: Required by many professional bodies Get Your Quote Today Ready to protect your business? Get free quotes from established NZ insurers. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/builders-insurance-auckland/ Builders Insurance Auckland - Public Liability, Contract Works & Tools SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Builders Insurance Auckland Public liability, contract works, tool insurance and motor cover for Auckland builders, arranged by a licensed NZ adviser. Auckland has one of the densest concentrations of building work in New Zealand — the residential growth corridor through the south-west, ongoing commercial fit-out across the CBD and inner suburbs, the Auckland Council-driven infrastructure pipeline, and a substantial subcontract layer servicing main contractors. Insurance requirements for Auckland builders are largely driven by main-contractor and council contract minimums — knowing what the contract requires before binding cover matters. Core builders insurance for Auckland Public liability: Responds to third-party injury and property damage you cause. Auckland minimums are typically $2m–$10m depending on contract — many main-contractor sub-contracts specify $5m as a floor. Contract works (Construction All Risks / CAR): Covers the work itself during construction — fire, storm, theft, vandalism, accidental damage to the build, sometimes with extensions for materials in transit and at temporary storage. Tool insurance: Covers tools and equipment from theft and damage — separate to material damage on stock or fit-out. Commercial motor: For work vans, utes and trade vehicles. Fleet cover typically beats individual policies once you have 3+ vehicles. Professional indemnity: Particularly relevant for design-and-build operators or builders giving structural or technical advice as part of the service. Statutory liability: Covers defence costs and reinstated fines for unintended breaches of certain NZ Acts (Building Act, Health and Safety at Work Act in many circumstances). Employer liability: Sits over ACC for non-personal-injury claims by employees (gradual-process claims, certain statutory claims). Auckland builder contract requirements — common patterns Auckland main-contractor sub-contracts and council contracts typically require: Public liability cover with a minimum limit (often $2m, $5m or $10m), often with the principal named on the policy Contract works cover for the value of the work plus a contingency margin Proof of cover before site entry — usually a certificate of currency from your insurer or broker Cover maintained throughout the contract plus, in some cases, a run-off period after practical completion For design-and-build sub-contractors, professional indemnity with a minimum limit Forward the contract insurance clause to your adviser before binding so the wording matches the requirement. Retroactive cover changes can be expensive or unavailable once the contract starts. Tools, vehicles and on-site equipment Auckland's tool theft rates are higher than the national average — local trades commonly report break-ins to locked vehicles, on-site sheds and storage units. Tool insurance with a realistic declared value is essential; standard policies usually require an itemised schedule for high-value items above a per-item threshold set by the insurer, and some require overnight storage in a locked garage or secure compound rather than in the work vehicle. Specific trades and add-on covers Different building trades carry different additional exposures: roofers and scaffolders need a higher-risk public-liability wording and often a specific working-at-height endorsement; plumbers and gasfitters need product liability for installed product; electricians may need a higher PL limit for tester-traced damage; demolition contractors need pollution and asbestos endorsements that standard policies don't include by default. Each is straightforward to arrange but worth flagging at quote stage. For the broader cover picture across NZ builders, see our insurance for builders guide, the public liability insurance deep-dive, and the contractor insurance page covering labour-only and sub-contracting structures. Frequently asked questions What insurance do Auckland builders need? Most Auckland builders carry four core covers: public liability ($2m–$10m depending on main-contractor and council contract requirements), contract works (Construction All Risks — covers the work itself while it's being built), tool insurance, and commercial motor for work vehicles. Larger builders add professional indemnity (especially design-and-build) and management liability if there are external directors. Is contract works (CAR) insurance the same as public liability? No — they cover different exposures. Public liability responds to third-party injury or third-party property damage you cause. Contract works covers the building itself (and materials on site) for damage during construction — fire, weather, theft, vandalism, accidental damage. Most main-contractor sub-contracts require both, often with specific minimum limits and an endorsement naming the principal. Are sub-contractor public liability requirements typical in Auckland? Yes — most main contractors in Auckland require sub-contractor proof of public liability ($2m–$5m typically), often with the main contractor named as a 'principal' on the policy or as an additional insured. Some main contractors also require professional indemnity for design-and-build sub-contractors, statutory liability for higher-risk trades, and a tool insurance schedule for high-value tools left on site. Does Auckland's residential rebuild pipeline drive insurance differently? The residential growth corridor (Pukekohe, Drury, Kumeu, Westgate, the wider South and West) means a high volume of new-build sub-contracting. Insurance requirements track the main-contractor's contract — read the contract clause first, then bind cover that meets the limits and specific endorsements. Master Build Services and Certified Builders Association membership requirements may also specify minimums. What about apprentice and labour-only sub-contractor cover? Apprentices employed directly by you are typically covered under your existing employer-liability cover (with ACC as the primary statutory layer for personal-injury claims). Labour-only sub-contractors are a different category — depending on the IRD-tax-status and operational reality, they may need their own public liability cover. The wording differs by insurer; check with your adviser before relying on assumption. Get builders insurance quotes for your Auckland business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). Forward your main-contractor insurance clause with the form and we'll match the cover to the requirement. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-contents-insurance/ Business Contents Insurance NZ - Cover for Stock, Equipment & Fit-out SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Contents Insurance NZ Cover for stock, equipment, fit-out and tools owned by NZ businesses, arranged by a licensed NZ adviser. Business contents insurance protects the property owned and used by your business — fit-out, furniture, fixtures, equipment, stock-in-trade and tools — against insured events. For most NZ businesses it sits alongside public liability and business interruption cover; for tenants, contents is usually the largest physical-asset cover they hold (since the building itself is the landlord's responsibility). The single most common gap we see is under-insurance through stale declared values. What contents insurance typically covers Fit-out: Internal partitions, counters, shelving, bench-fittings, signage, lighting, flooring you've installed Furniture and fixtures: Desks, chairs, displays, internal joinery Equipment: Computers, printers, manufacturing equipment, hospitality equipment, retail POS Stock-in-trade: Goods you sell, including stock in transit and at off-site storage (subject to wording) Tools: Subject to wording — sometimes included, sometimes requires a separate tool insurance arrangement Money: Cash on premises, in transit, in the bank night-safe — often a specific sub-section Glass: Shopfront glass, internal partitions, display cabinets — often a specific sub-section What contents insurance typically doesn't cover The building itself (covered by material damage / commercial property cover for owner-occupiers; landlord's policy for tenants) Vehicles (commercial motor cover) Goods in transit beyond a sublimit (specific GIT cover required) Property at employees' homes (without specific extension) Gradual deterioration, wear and tear, maintenance issues Cyber-driven loss of data (cyber insurance handles digital exposure) Mechanical breakdown of equipment (specific breakdown cover required) How sums insured work The declared sum insured is the maximum the insurer will pay. Several traps to avoid: Under-insurance: The most common gap. If your declared value is materially below actual replacement cost, the insurer may apply 'averaging' — a proportional reduction across any claim, even a small partial one. Declared values that lag actual replacement cost by a third or more typically trigger averaging. Replacement cost vs. indemnity: Replacement cost cover pays the cost of replacing items new-for-old; indemnity cover pays depreciated value. Replacement is the more common modern wording but the policy schedule will state which applies. Itemised schedules: High-value items (above a per-item threshold set by the insurer) usually need to be itemised on a schedule. Items not on the schedule may be subject to lower individual sublimits. Stock declarations: Stock cover often requires accurate declarations or periodic stock-takes; under-declared stock at a claim is averaged. Industries we commonly arrange business contents cover for Retail (CBD, suburban high streets, specialist retail) Hospitality (cafés, restaurants, bars) Professional services (offices, consultancies, accounting practices) Tech and software (equipment-heavy operations) Manufacturing and light industrial (equipment, stock) Tradies and contractors (tools, equipment, stock) Healthcare and allied health (specialist equipment, fit-out) Education and training providers (equipment, fit-out) How contents fits with other covers Business contents is rarely sold standalone — most NZ commercial policies bundle it with public liability and offer business interruption as a key add-on. The full small-business package typically includes: Public liability (third-party injury and property damage) Business contents (this cover — stock, equipment, fit-out) Business interruption (lost revenue from an insured closure) Optional add-ons: material damage (owner-occupiers), money, glass, machinery breakdown, goods in transit, cyber For broader cover context, see the small business insurance guide, the public liability insurance deep-dive, and the business interruption insurance page. For tradies specifically, see tool insurance . Frequently asked questions What does business contents insurance cover? Business contents (sometimes called 'office contents', 'business assets' or 'commercial contents') typically covers fit-out, furniture, fixtures, equipment, stock-in-trade and tools owned by the business, against insured events — usually fire, theft, accidental damage, weather, and (subject to wording) natural-hazard events. The cover sits alongside public liability, business interruption and (where the operator owns the building) commercial property cover. What is the difference between contents and material damage? Contents covers movable property — furniture, equipment, stock, tools. Material damage typically refers to the building itself and permanent fixtures, when the business owns the premises. A tenant operates with contents cover only; an owner-occupier needs both material damage and contents cover, usually written together on a 'business package' or 'commercial property' policy. How do I work out the right sum insured? Sum insured should reflect the cost to replace the contents at today's prices, not what you originally paid. Walk through the premises and list fit-out elements, equipment, stock at typical levels, and tools. Build a register. Under-insurance is the most common gap — declared values typically lag actual replacement costs because operators don't review them annually. Does business contents cover tools? It can, but the wording differs by insurer. Some policies cover tools as part of contents (subject to sublimits and itemised schedules for high-value items); others require a separate tool insurance policy or extension. Tradies whose tools are a material part of business value usually need a dedicated tool insurance arrangement — see our tool insurance guide for the detail. Is stock covered for accidental damage and theft? Stock cover usually responds to theft (subject to forced-entry conditions and any after-hours / opening-hours distinctions), fire, accidental damage and weather. Spoilage of refrigerated stock is usually a specific extension, not part of base cover. Some policies require stock-takes and accurate declarations; under-declared stock can trigger averaging at claim time. Does contents cover work property at home? Increasingly relevant with remote work. Standard business contents policies usually cover business property at the insured business premises only. Specific extensions can cover business property temporarily at an employee's home, or property in transit. Personal home contents cover is separate and typically excludes business property — so without a business contents extension, a laptop stolen from a home office may not be covered under either policy. Get business contents insurance quotes Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-auckland/ Business Insurance Auckland - Quotes & Cover for Auckland SMEs SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Auckland Public liability, professional indemnity, cyber and contents cover for Auckland businesses, arranged by a licensed NZ adviser. Auckland is New Zealand's largest commercial centre, home to roughly a third of the country's registered businesses across professional services, retail, hospitality, construction, marine, tech, manufacturing and logistics. The city's commercial diversity means insurance priorities vary widely — a CBD professional-services firm has a completely different cover mix to a South Auckland manufacturer or a North Shore marine business. Insurance priorities for Auckland businesses Public liability: Starting cover for trades, retail, hospitality, healthcare, marine and any public-facing operation. Auckland contracts commonly require $2m or $5m limits as a minimum. Professional indemnity: Standard for the city's consulting, legal-adjacent, IT, financial-services, design and healthcare sectors. Business contents and equipment: Sums-insured often understated because Auckland property and equipment values rise faster than declarations are reviewed. Cyber insurance: Particularly relevant for any business taking card payments, holding customer records, or running cloud-based systems. Business interruption: Material in Auckland because commercial rents are the highest in NZ — even a short closure can be expensive. Commercial property and material damage: Owner-occupier cover for industrial and commercial properties, particularly across South Auckland, Penrose, East Tamaki, Albany, Wairau. Motor fleet: Useful where the business operates multiple commercial vehicles — fleet cover typically beats stitching together individual policies. Industries we commonly arrange cover for in Auckland Professional services (consulting, accounting, legal-adjacent, IT, design, financial-services) Building, plumbing, electrical and other trades (residential growth corridor + commercial fit-out) Hospitality, retail and personal services (CBD, suburban high streets, eastern bays, North Shore) Tech and software (CBD, Smales Farm, Wynyard Quarter, Newmarket) Healthcare and allied health Manufacturing and light industrial (Penrose, East Tamaki, South Auckland) Logistics, freight forwarding and warehousing (Mount Wellington, Onehunga, South Auckland) Marine (Westhaven, Hobsonville, Half Moon Bay) Auckland-specific risk context Auckland's risk profile is shaped by high property and equipment values, weather exposure (severe storms, the 2023 Auckland Anniversary floods caused significant business interruption losses across the city), traffic-and-theft exposure for tools and vehicles, and the Auckland Volcanic Field's presence in some material-damage wordings. Pre-1976 unreinforced masonry buildings face stricter cover terms across the market; if your premises are older, the building's seismic status is worth confirming before binding cover. Many Auckland commercial contracts and main-contractor sub-contracts specify minimum public liability limits well above the standard $1m starter. If you've been asked for proof of insurance with a specific limit, forward the contract clause to your adviser before binding so the wording matches the requirement. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . CERT NZ publishes free cyber-resilience guides for small business. Frequently asked questions What insurance do most Auckland small businesses need? Public liability is the standard starting policy for any Auckland business with public-facing or on-site operations. From there, add professional indemnity if you give advice, business contents for retailers and offices, business interruption if downtime would stop revenue, cyber if you store customer data, and motor cover if you run commercial vehicles. The right mix depends on the specific business — a 30-minute conversation with a licensed adviser typically clarifies it. How are Auckland commercial property risks different? Auckland property values are the highest in New Zealand, which means under-insurance through stale declared values is the most common gap we see. Insurance is also sensitive to building age and seismic detailing — pre-1976 unreinforced masonry, in particular, faces stricter wording and higher premiums or limits. The Auckland Volcanic Field also features in some material-damage wordings. Is cyber insurance worth it for an Auckland business? If you take card payments, hold customer records, run a booking system or use cloud accounting, the exposure exists. CERT NZ's quarterly reports consistently rank business email compromise and ransomware as the most-reported incident types for NZ small business. A standalone cyber policy can fund forensic investigation, customer notification under the Privacy Act 2020, ransom or extortion response (subject to wording), and lost revenue during system downtime. Do contract requirements drive Auckland small business insurance? Yes — many Auckland commercial contracts, council contracts and main-contractor sub-contracts specify minimum public liability limits ($1m, $2m, $5m or $10m), professional indemnity scope, and specific endorsements. Reading the contract before binding cover is essential because retroactive cover can be expensive or unavailable. Forward the contract clause to your adviser and they can match the policy to the requirement. What does business interruption cover for an Auckland business? Business interruption (BI) replaces lost gross profit and pays continuing fixed costs (rent, wages, utilities) when an insured event — fire, weather damage, sometimes contagious-disease outbreaks subject to wording — stops or slows trading. The indemnity period is usually 12, 18 or 24 months. Auckland's high commercial-rent base often makes BI a more important cover than the property cover itself. Get business insurance quotes for your Auckland business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-christchurch/ Business Insurance Christchurch - Canterbury Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Christchurch Public liability, professional indemnity and post-rebuild commercial property cover for Canterbury businesses, arranged by a licensed NZ adviser. Christchurch is the South Island's largest city and the commercial centre of Canterbury. The local economy includes a substantial construction sector (still digesting the post-2011 rebuild pipeline), a growing tech and agritech presence, healthcare anchored around Christchurch Hospital and the medical-research cluster, hospitality, retail, manufacturing and logistics serving the South Island. Insurance priorities in Canterbury are shaped by the city's seismic history, the maturity of post-rebuild commercial-property wording, and the agricultural hinterland of the Canterbury Plains. Insurance priorities for Christchurch businesses Public liability: Starting cover for trades, retail, hospitality, healthcare and any public-facing operation. Construction-related main-contractor sub-contracts often specify $5m or $10m minimums. Professional indemnity: Standard for the city's consulting, design, engineering, IT and healthcare sectors. Contract works (CAR): Critical for builders, civil contractors, and trades working on-site for clients. Business contents and equipment: Includes tools, plant, fit-out and stock — Canterbury equipment values often substantial for construction and agribusiness-adjacent operations. Commercial property and material damage: Seismic-aware wording is fundamental; building seismic status (NBS rating) is the key driver of pricing. Business interruption: Standard add-on for any revenue-sensitive operation. Cyber insurance: Particularly relevant for the growing tech and agritech sectors. Industries we commonly arrange cover for in Christchurch Building, civil construction, plumbing, electrical and other trades Tech, software and agritech Professional services (consulting, accounting, design, engineering) Healthcare and allied health Hospitality, retail and personal services (CBD, suburban centres, eastern coastal corridor) Manufacturing and light industrial (Hornby, Sockburn, Wigram, Belfast) Agribusiness-adjacent services (consulting, equipment, irrigation, transport) Logistics and warehousing serving the South Island Christchurch-specific risk context Christchurch's risk profile is uniquely shaped by the 2010 and 2011 earthquake sequence. Most newer-build commercial stock has substantially better seismic detailing than pre-2011 stock, and pricing reflects that. Older surviving buildings face stricter wording, higher excesses, and sometimes limited capacity from particular insurers. Building seismic status (NBS rating) is the key driver of material-damage pricing in Canterbury, more so than in any other NZ city. The wider Canterbury region also faces severe-weather exposure (snow loads on south-facing roofs, flooding from the Waimakariri and other rivers, alpine wind events) and increasingly drought exposure that affects agribusiness-adjacent services. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . Natural Hazards Commission Toka Tū Ake publishes the residential scheme rules. Frequently asked questions How is Christchurch business insurance different post-rebuild? Insurers price Christchurch commercial property based on the post-rebuild seismic environment — most newer-build CBD properties have substantially better seismic detailing than pre-2011 stock, and pricing reflects that. The flip side is that older surviving stock or unstrengthened buildings can face stricter wording, higher excesses, and in some cases limited capacity from particular insurers. Building seismic status (NBS rating) is the key driver for material-damage pricing in Canterbury. What insurance do Christchurch construction and rebuild-related businesses need? Beyond standard public liability and professional indemnity, construction-related businesses typically add contract works (CAR — Construction All Risks), tool insurance, plant and equipment cover, and a higher liability limit because most main-contractor sub-contracts require it. The Christchurch construction sector remains substantial post-rebuild, with both residential and commercial new-build pipelines. Is earthquake cover automatic for Christchurch commercial property? Commercial property and material damage policies typically include natural-hazard cover by default, but the deductible structure, sublimits, and specific exclusions vary materially across the market. The wording matters far more than the headline 'covered' status — read the natural-hazard section of the policy schedule before binding. The Natural Hazards Insurance Act 2023 governs residential cover; commercial natural-hazard cover sits in the private market. What is typical for a Christchurch tech or professional-services business? Canterbury's tech sector has grown substantially since the rebuild, with significant clusters around the city and a growing presence in agritech tied to the Canterbury Plains. Typical cover is professional indemnity, cyber, business contents, and where the business operates from a leased premises, commercial property and business interruption. Management liability is worth considering for businesses with external directors. Does Canterbury agricultural exposure affect business insurance? Agriculture itself sits outside standard small business cover — rural-specific products (FMG, Vero Rural and similar) cover pure farming operations. But businesses serving agriculture — agribusiness consultants, ag-equipment dealers, contractors, irrigation services — are typically covered under standard small business policies, sometimes with industry-specific endorsements. Get business insurance quotes for your Christchurch business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-dunedin/ Business Insurance Dunedin - Quotes & Cover for Otago Businesses SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Dunedin Public liability, professional indemnity, cyber and contents cover for Otago businesses, arranged by a licensed NZ adviser. Dunedin's economy is anchored by the University of Otago, a growing tech and biotech sector, healthcare, hospitality and tourism. The city is the largest commercial centre in Otago and the natural base for businesses operating across Central Otago, Clutha and the wider South Island lower belt. Insurance priorities for Dunedin businesses Public liability: Starting cover for trades, hospitality, retail, healthcare and any business with public-facing operations. Professional indemnity: Standard for the city's consulting, design, IT, healthcare and professional-services sectors. Cyber insurance: Particularly relevant for the tech, biotech and university-adjacent businesses handling personal or research data. Business contents and equipment: Retailers, hospitality and trades typically need cover for stock, equipment and fit-out. Commercial property and material damage: If you own your commercial premises, this responds to fire, weather, accidental damage and (subject to wording) seismic and natural-hazard events. Management liability: Relevant for businesses with formal boards or external directors — common in start-ups and growth-stage tech. Industries we commonly arrange cover for in Dunedin Tech, software, and biotech (often university spin-outs or research-adjacent) Healthcare and allied health (private practice, clinics, allied therapists) Hospitality, accommodation and tourism (city centre, Otago Peninsula, coastal) Retail (specialist food, lifestyle, homeware, education-aligned) Building, plumbing, electrical and other trades Professional services (accounting, legal-adjacent consulting, design) Local risk context Dunedin's risk profile differs from Auckland or Christchurch in important ways. Seismic exposure is lower than Christchurch but not zero (the Akatore fault sits offshore). Flooding and severe-weather events in low-lying areas (South Dunedin in particular) are an ongoing concern; some insurers price or exclude these areas more aggressively than others. Property values are lower than the main centres but commercial-property turnover is slower, so wording-fit on the existing premises matters. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . For natural-hazard cover specifically, the Natural Hazards Commission Toka Tū Ake (formerly EQC) publishes the residential and limited commercial scheme rules. Frequently asked questions What cover do most Dunedin small businesses start with? Public liability is the most common first policy — it responds to claims from third parties for injury or property damage caused by your business. From there, add professional indemnity if you give advice (common for the city's professional-services and design sectors), business contents for retailers and hospitality, and cyber if you hold customer data. Does business insurance cover student-rental income for landlords? Landlord insurance is a separate product to small business insurance — it sits in the residential property class, not the commercial class. If you operate a property-management business or short-stay operation, that's the commercial side and is something we can arrange. Is earthquake cover automatic for Dunedin commercial property? Material damage and commercial property policies typically include natural-disaster cover by default, but the EQCover (statutory) caps and excess structures changed under the Natural Hazards Insurance Act 2023. Sublimits, deductibles, and exclusions vary materially by insurer. The wording matters more than the headline cover. What's typical for a tech or start-up business in Dunedin? Otago has a meaningful tech and biotech cluster around the University. Typical cover for these businesses is professional indemnity (advice and code exposure), cyber (data handling), business contents (equipment), and management liability if there are external directors. Each one is optional; a 30-minute conversation with an adviser is usually enough to map the right cover to the actual risk. Get business insurance quotes for your Dunedin business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-faq/ Business Insurance FAQ NZ - Common Questions Answered SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance FAQ Common questions about business insurance in New Zealand General Questions How much does business insurance cost in NZ? Business insurance typically costs $60-800 per month depending on your industry, size, and coverage needs. Is business insurance compulsory in New Zealand? Employer liability insurance is compulsory if you have employees. Other types may be required by contracts or professional bodies. What does public liability insurance cover? Public liability covers third-party injury and property damage claims arising from your business operations. Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/accountant/auckland/ Accountant Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Accountant / Auckland Accountant Insurance Auckland Professional indemnity, cyber and tax-advice cover for NZ accountants and tax agents. The cover stack for a Auckland accountant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $1M–$2M Cost: $30–$60 Tax advice + filing errors. CA ANZ practising members typically require $1M+. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Client records + payment-instruction BEC risk. Public Liability Limit: $1M Cost: $15–$25 Office visitor + networking event cover. Statutory Liability (optional) Limit: $500K Cost: $25–$60 Director defence costs and regulatory action. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: tax-advice errors, IRD penalty exposure, BEC fraud, client data breach. PI is functionally compulsory for any practising accountant. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/accountant/christchurch/ Accountant Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Accountant / Christchurch Accountant Insurance Christchurch Professional indemnity, cyber and tax-advice cover for NZ accountants and tax agents. The cover stack for a Christchurch accountant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $1M–$2M Cost: $30–$60 Tax advice + filing errors. CA ANZ practising members typically require $1M+. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Client records + payment-instruction BEC risk. Public Liability Limit: $1M Cost: $15–$25 Office visitor + networking event cover. Statutory Liability (optional) Limit: $500K Cost: $25–$60 Director defence costs and regulatory action. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: tax-advice errors, IRD penalty exposure, BEC fraud, client data breach. PI is functionally compulsory for any practising accountant. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/accountant/wellington/ Accountant Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Accountant / Wellington Accountant Insurance Wellington Professional indemnity, cyber and tax-advice cover for NZ accountants and tax agents. The cover stack for a Wellington accountant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $1M–$2M Cost: $30–$60 Tax advice + filing errors. CA ANZ practising members typically require $1M+. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Client records + payment-instruction BEC risk. Public Liability Limit: $1M Cost: $15–$25 Office visitor + networking event cover. Statutory Liability (optional) Limit: $500K Cost: $25–$60 Director defence costs and regulatory action. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: tax-advice errors, IRD penalty exposure, BEC fraud, client data breach. PI is functionally compulsory for any practising accountant. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/bookkeeper/auckland/ Bookkeeper Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Bookkeeper / Auckland Bookkeeper Insurance Auckland Professional indemnity and cyber cover for NZ bookkeepers — sole traders to small practices. The cover stack for a Auckland bookkeeper Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $25–$50 Errors in GST returns, payroll, BAS, financial reports. Cyber Insurance Limit: $500K Cost: $25–$60 Privacy Act 2020 + BEC risk on payment instructions. Public Liability (optional) Limit: $1M Cost: $15–$25 Required if you visit client premises or attend networking events. Business Contents Limit: Kit value Cost: $15–$30 Home-based bookkeepers — home contents does not cover business equipment. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: client financial loss from filing errors, IRD penalty exposure, BEC fraud on payment authorisations. Cyber is now a NZ-essential. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/bookkeeper/christchurch/ Bookkeeper Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Bookkeeper / Christchurch Bookkeeper Insurance Christchurch Professional indemnity and cyber cover for NZ bookkeepers — sole traders to small practices. The cover stack for a Christchurch bookkeeper Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $25–$50 Errors in GST returns, payroll, BAS, financial reports. Cyber Insurance Limit: $500K Cost: $25–$60 Privacy Act 2020 + BEC risk on payment instructions. Public Liability (optional) Limit: $1M Cost: $15–$25 Required if you visit client premises or attend networking events. Business Contents Limit: Kit value Cost: $15–$30 Home-based bookkeepers — home contents does not cover business equipment. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: client financial loss from filing errors, IRD penalty exposure, BEC fraud on payment authorisations. Cyber is now a NZ-essential. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/bookkeeper/wellington/ Bookkeeper Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Bookkeeper / Wellington Bookkeeper Insurance Wellington Professional indemnity and cyber cover for NZ bookkeepers — sole traders to small practices. The cover stack for a Wellington bookkeeper Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $25–$50 Errors in GST returns, payroll, BAS, financial reports. Cyber Insurance Limit: $500K Cost: $25–$60 Privacy Act 2020 + BEC risk on payment instructions. Public Liability (optional) Limit: $1M Cost: $15–$25 Required if you visit client premises or attend networking events. Business Contents Limit: Kit value Cost: $15–$30 Home-based bookkeepers — home contents does not cover business equipment. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: client financial loss from filing errors, IRD penalty exposure, BEC fraud on payment authorisations. Cyber is now a NZ-essential. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/cafe/auckland/ Cafe Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Cafe / Auckland Cafe Insurance Auckland Public liability, contents, business interruption and statutory liability for NZ cafes. The cover stack for a Auckland cafe Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$5M Cost: $25–$50 Foot traffic + hot-surface + spill exposure. Landlord may require $5M. Business Contents Limit: Fitout + stock value Cost: $25–$80 Espresso machine, fitout, stock. Business Interruption Limit: 12–24 month indemnity Cost: $30–$80 Loss of gross profit after fire / flood / earthquake. Statutory Liability Limit: $500K Cost: $25–$60 HSWA, Food Act 2014, Fair Trading Act exposure. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire. Combined Business Policy usually beats buying separately. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/cafe/christchurch/ Cafe Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Cafe / Christchurch Cafe Insurance Christchurch Public liability, contents, business interruption and statutory liability for NZ cafes. The cover stack for a Christchurch cafe Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$5M Cost: $25–$50 Foot traffic + hot-surface + spill exposure. Landlord may require $5M. Business Contents Limit: Fitout + stock value Cost: $25–$80 Espresso machine, fitout, stock. Business Interruption Limit: 12–24 month indemnity Cost: $30–$80 Loss of gross profit after fire / flood / earthquake. Statutory Liability Limit: $500K Cost: $25–$60 HSWA, Food Act 2014, Fair Trading Act exposure. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire. Combined Business Policy usually beats buying separately. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/cafe/wellington/ Cafe Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Cafe / Wellington Cafe Insurance Wellington Public liability, contents, business interruption and statutory liability for NZ cafes. The cover stack for a Wellington cafe Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$5M Cost: $25–$50 Foot traffic + hot-surface + spill exposure. Landlord may require $5M. Business Contents Limit: Fitout + stock value Cost: $25–$80 Espresso machine, fitout, stock. Business Interruption Limit: 12–24 month indemnity Cost: $30–$80 Loss of gross profit after fire / flood / earthquake. Statutory Liability Limit: $500K Cost: $25–$60 HSWA, Food Act 2014, Fair Trading Act exposure. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire. Combined Business Policy usually beats buying separately. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/electrician/auckland/ Electrician Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Electrician / Auckland Electrician Insurance Auckland Public liability, tools and vehicle cover for NZ electricians — sole traders to multi-staff firms. The cover stack for a Auckland electrician Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Fire-risk exposure to client property pushes most electricians to $2M. Tool Insurance Limit: $10K–$30K Cost: $15–$50 Testing equipment + speciality tools. Overnight-in-locked-vehicle clause matters. Business Vehicle Limit: Comprehensive Cost: $60–$120 Signwritten vehicles need a declared business-use policy. Contract Works (optional) Limit: By project Cost: Project-priced Under-construction asset cover for larger jobs. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: fire from wiring faults, electrocution, damage to substrate during installation. Cover-limit minimum: most NZ commercial work requires $2M+ PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/electrician/christchurch/ Electrician Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Electrician / Christchurch Electrician Insurance Christchurch Public liability, tools and vehicle cover for NZ electricians — sole traders to multi-staff firms. The cover stack for a Christchurch electrician Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Fire-risk exposure to client property pushes most electricians to $2M. Tool Insurance Limit: $10K–$30K Cost: $15–$50 Testing equipment + speciality tools. Overnight-in-locked-vehicle clause matters. Business Vehicle Limit: Comprehensive Cost: $60–$120 Signwritten vehicles need a declared business-use policy. Contract Works (optional) Limit: By project Cost: Project-priced Under-construction asset cover for larger jobs. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: fire from wiring faults, electrocution, damage to substrate during installation. Cover-limit minimum: most NZ commercial work requires $2M+ PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/electrician/wellington/ Electrician Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Electrician / Wellington Electrician Insurance Wellington Public liability, tools and vehicle cover for NZ electricians — sole traders to multi-staff firms. The cover stack for a Wellington electrician Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Fire-risk exposure to client property pushes most electricians to $2M. Tool Insurance Limit: $10K–$30K Cost: $15–$50 Testing equipment + speciality tools. Overnight-in-locked-vehicle clause matters. Business Vehicle Limit: Comprehensive Cost: $60–$120 Signwritten vehicles need a declared business-use policy. Contract Works (optional) Limit: By project Cost: Project-priced Under-construction asset cover for larger jobs. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: fire from wiring faults, electrocution, damage to substrate during installation. Cover-limit minimum: most NZ commercial work requires $2M+ PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/freelancer/auckland/ Freelancer Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Freelancer / Auckland Freelancer Insurance Auckland Professional indemnity, cyber and public liability for NZ freelancers — writers, designers, consultants, contractors. The cover stack for a Auckland freelancer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $20–$50 Error / omission claims from clients. Cyber Insurance Limit: $500K Cost: $20–$50 If you handle client data, draft contracts, or hold IP. Public Liability (optional) Limit: $1M Cost: $15–$25 Required for some co-working spaces and client-site visits. Equipment Cover (optional) Limit: Kit value Cost: $10–$20 Laptop, camera, audio kit. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: client claim for error in deliverables, missed deadline, IP infringement, data breach. Many B2B clients now require PI + Cyber on contract. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/freelancer/christchurch/ Freelancer Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Freelancer / Christchurch Freelancer Insurance Christchurch Professional indemnity, cyber and public liability for NZ freelancers — writers, designers, consultants, contractors. The cover stack for a Christchurch freelancer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $20–$50 Error / omission claims from clients. Cyber Insurance Limit: $500K Cost: $20–$50 If you handle client data, draft contracts, or hold IP. Public Liability (optional) Limit: $1M Cost: $15–$25 Required for some co-working spaces and client-site visits. Equipment Cover (optional) Limit: Kit value Cost: $10–$20 Laptop, camera, audio kit. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: client claim for error in deliverables, missed deadline, IP infringement, data breach. Many B2B clients now require PI + Cyber on contract. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/freelancer/wellington/ Freelancer Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Freelancer / Wellington Freelancer Insurance Wellington Professional indemnity, cyber and public liability for NZ freelancers — writers, designers, consultants, contractors. The cover stack for a Wellington freelancer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity Limit: $500K–$1M Cost: $20–$50 Error / omission claims from clients. Cyber Insurance Limit: $500K Cost: $20–$50 If you handle client data, draft contracts, or hold IP. Public Liability (optional) Limit: $1M Cost: $15–$25 Required for some co-working spaces and client-site visits. Equipment Cover (optional) Limit: Kit value Cost: $10–$20 Laptop, camera, audio kit. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: client claim for error in deliverables, missed deadline, IP infringement, data breach. Many B2B clients now require PI + Cyber on contract. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/ Business Insurance by Trade & City NZ — 30 Auckland / Wellington / Christchurch Guides SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance by trade & city — NZ Cover stack, indicative cost, and city-specific contract notes for 10 NZ trades across Auckland, Wellington and Christchurch. Electrician Electrician in Auckland → Electrician in Wellington → Electrician in Christchurch → Plumber Plumber in Auckland → Plumber in Wellington → Plumber in Christchurch → Bookkeeper Bookkeeper in Auckland → Bookkeeper in Wellington → Bookkeeper in Christchurch → Accountant Accountant in Auckland → Accountant in Wellington → Accountant in Christchurch → IT Contractor IT Contractor in Auckland → IT Contractor in Wellington → IT Contractor in Christchurch → Personal Trainer Personal Trainer in Auckland → Personal Trainer in Wellington → Personal Trainer in Christchurch → Cafe Cafe in Auckland → Cafe in Wellington → Cafe in Christchurch → Restaurant Restaurant in Auckland → Restaurant in Wellington → Restaurant in Christchurch → Online Retailer / E-commerce Online Retailer / E-commerce in Auckland → Online Retailer / E-commerce in Wellington → Online Retailer / E-commerce in Christchurch → Freelancer Freelancer in Auckland → Freelancer in Wellington → Freelancer in Christchurch → Not your trade or city? Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/it-contractor/auckland/ IT Contractor Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / IT Contractor / Auckland IT Contractor Insurance Auckland Professional indemnity, cyber and tech-liability cover for NZ IT contractors and software developers. The cover stack for a Auckland it contractor Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity (Tech / IT) Limit: $1M–$2M Cost: $35–$80 Combined PI + tech-liability is the standard NZ wording for IT consultants. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Required if you process or have access to client data. Public Liability Limit: $1M Cost: $15–$25 Office visit + on-site work cover. Equipment Cover Limit: $5K–$20K Cost: $10–$30 Laptop, monitors, dev kit. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: client claims for software bugs, missed deadlines, data loss, IP infringement. Investor and enterprise client due-diligence now routinely require PI + Cyber certificates. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/it-contractor/christchurch/ IT Contractor Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / IT Contractor / Christchurch IT Contractor Insurance Christchurch Professional indemnity, cyber and tech-liability cover for NZ IT contractors and software developers. The cover stack for a Christchurch it contractor Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity (Tech / IT) Limit: $1M–$2M Cost: $35–$80 Combined PI + tech-liability is the standard NZ wording for IT consultants. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Required if you process or have access to client data. Public Liability Limit: $1M Cost: $15–$25 Office visit + on-site work cover. Equipment Cover Limit: $5K–$20K Cost: $10–$30 Laptop, monitors, dev kit. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: client claims for software bugs, missed deadlines, data loss, IP infringement. Investor and enterprise client due-diligence now routinely require PI + Cyber certificates. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/it-contractor/wellington/ IT Contractor Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / IT Contractor / Wellington IT Contractor Insurance Wellington Professional indemnity, cyber and tech-liability cover for NZ IT contractors and software developers. The cover stack for a Wellington it contractor Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Professional Indemnity (Tech / IT) Limit: $1M–$2M Cost: $35–$80 Combined PI + tech-liability is the standard NZ wording for IT consultants. Cyber Insurance Limit: $500K–$1M Cost: $30–$80 Required if you process or have access to client data. Public Liability Limit: $1M Cost: $15–$25 Office visit + on-site work cover. Equipment Cover Limit: $5K–$20K Cost: $10–$30 Laptop, monitors, dev kit. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: client claims for software bugs, missed deadlines, data loss, IP infringement. Investor and enterprise client due-diligence now routinely require PI + Cyber certificates. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/online-retailer/auckland/ Online Retailer / E-commerce Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Online Retailer / E-commerce / Auckland Online Retailer / E-commerce Insurance Auckland Public liability (product), cyber and contents cover for NZ online retailers and e-commerce businesses. The cover stack for a Auckland online retailer / e-commerce Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability (incl. Products) Limit: $1M–$5M Cost: $20–$60 Products liability for the items you sell or distribute. Cyber Insurance Limit: $500K–$2M Cost: $30–$100 Card-payment PCI-DSS exposure + Privacy Act 2020 notification. Business Contents (incl. Stock) Limit: Stock value Cost: $25–$80 Warehouse + stock cover. Theft, fire, flood. Business Interruption (optional) Limit: 12-month indemnity Cost: $30–$80 Loss of revenue from warehouse fire or platform downtime. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: product-injury claim, data breach, warehouse fire, supplier failure. E-commerce-only operators still need PL because of product exposure. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/online-retailer/christchurch/ Online Retailer / E-commerce Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Online Retailer / E-commerce / Christchurch Online Retailer / E-commerce Insurance Christchurch Public liability (product), cyber and contents cover for NZ online retailers and e-commerce businesses. The cover stack for a Christchurch online retailer / e-commerce Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability (incl. Products) Limit: $1M–$5M Cost: $20–$60 Products liability for the items you sell or distribute. Cyber Insurance Limit: $500K–$2M Cost: $30–$100 Card-payment PCI-DSS exposure + Privacy Act 2020 notification. Business Contents (incl. Stock) Limit: Stock value Cost: $25–$80 Warehouse + stock cover. Theft, fire, flood. Business Interruption (optional) Limit: 12-month indemnity Cost: $30–$80 Loss of revenue from warehouse fire or platform downtime. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: product-injury claim, data breach, warehouse fire, supplier failure. E-commerce-only operators still need PL because of product exposure. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/online-retailer/wellington/ Online Retailer / E-commerce Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Online Retailer / E-commerce / Wellington Online Retailer / E-commerce Insurance Wellington Public liability (product), cyber and contents cover for NZ online retailers and e-commerce businesses. The cover stack for a Wellington online retailer / e-commerce Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability (incl. Products) Limit: $1M–$5M Cost: $20–$60 Products liability for the items you sell or distribute. Cyber Insurance Limit: $500K–$2M Cost: $30–$100 Card-payment PCI-DSS exposure + Privacy Act 2020 notification. Business Contents (incl. Stock) Limit: Stock value Cost: $25–$80 Warehouse + stock cover. Theft, fire, flood. Business Interruption (optional) Limit: 12-month indemnity Cost: $30–$80 Loss of revenue from warehouse fire or platform downtime. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: product-injury claim, data breach, warehouse fire, supplier failure. E-commerce-only operators still need PL because of product exposure. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/personal-trainer/auckland/ Personal Trainer Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Personal Trainer / Auckland Personal Trainer Insurance Auckland Public liability and professional indemnity for NZ personal trainers — gym-based, mobile, or 1:1. The cover stack for a Auckland personal trainer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$35 Required by most NZ gyms before contractor access. $2M for group / outdoor sessions. Professional Indemnity Limit: $500K Cost: $15–$30 Programming-error claims (injury from advised exercise). Equipment Cover (optional) Limit: Kit value Cost: $10–$20 For mobile PTs carrying their own kit. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: client injury during sessions, programming-advice claims. Almost every NZ gym requires contractor PL before granting space. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/personal-trainer/christchurch/ Personal Trainer Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Personal Trainer / Christchurch Personal Trainer Insurance Christchurch Public liability and professional indemnity for NZ personal trainers — gym-based, mobile, or 1:1. The cover stack for a Christchurch personal trainer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$35 Required by most NZ gyms before contractor access. $2M for group / outdoor sessions. Professional Indemnity Limit: $500K Cost: $15–$30 Programming-error claims (injury from advised exercise). Equipment Cover (optional) Limit: Kit value Cost: $10–$20 For mobile PTs carrying their own kit. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: client injury during sessions, programming-advice claims. Almost every NZ gym requires contractor PL before granting space. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/personal-trainer/wellington/ Personal Trainer Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Personal Trainer / Wellington Personal Trainer Insurance Wellington Public liability and professional indemnity for NZ personal trainers — gym-based, mobile, or 1:1. The cover stack for a Wellington personal trainer Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$35 Required by most NZ gyms before contractor access. $2M for group / outdoor sessions. Professional Indemnity Limit: $500K Cost: $15–$30 Programming-error claims (injury from advised exercise). Equipment Cover (optional) Limit: Kit value Cost: $10–$20 For mobile PTs carrying their own kit. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: client injury during sessions, programming-advice claims. Almost every NZ gym requires contractor PL before granting space. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/plumber/auckland/ Plumber Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Plumber / Auckland Plumber Insurance Auckland Public liability, tools and vehicle cover for NZ plumbers — domestic, commercial and emergency call-out. The cover stack for a Auckland plumber Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Water damage is the most common claim type — bursts during work, slow leaks post-work. Tool Insurance Limit: $10K–$25K Cost: $12–$40 Hand tools, drainage equipment, vehicle theft. Business Vehicle Limit: Comprehensive Cost: $60–$120 Declared business use; signwriting + roof rack matters at quote. Statutory Liability (optional) Limit: $500K Cost: $25–$60 HSWA prosecutions after a workplace incident. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: water damage to client property, pipe-failure post-work, fall-from-height during ceiling work. Most commercial contracts mandate $2M PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/plumber/christchurch/ Plumber Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Plumber / Christchurch Plumber Insurance Christchurch Public liability, tools and vehicle cover for NZ plumbers — domestic, commercial and emergency call-out. The cover stack for a Christchurch plumber Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Water damage is the most common claim type — bursts during work, slow leaks post-work. Tool Insurance Limit: $10K–$25K Cost: $12–$40 Hand tools, drainage equipment, vehicle theft. Business Vehicle Limit: Comprehensive Cost: $60–$120 Declared business use; signwriting + roof rack matters at quote. Statutory Liability (optional) Limit: $500K Cost: $25–$60 HSWA prosecutions after a workplace incident. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: water damage to client property, pipe-failure post-work, fall-from-height during ceiling work. Most commercial contracts mandate $2M PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/plumber/wellington/ Plumber Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Plumber / Wellington Plumber Insurance Wellington Public liability, tools and vehicle cover for NZ plumbers — domestic, commercial and emergency call-out. The cover stack for a Wellington plumber Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $1M–$2M Cost: $15–$40 Water damage is the most common claim type — bursts during work, slow leaks post-work. Tool Insurance Limit: $10K–$25K Cost: $12–$40 Hand tools, drainage equipment, vehicle theft. Business Vehicle Limit: Comprehensive Cost: $60–$120 Declared business use; signwriting + roof rack matters at quote. Statutory Liability (optional) Limit: $500K Cost: $25–$60 HSWA prosecutions after a workplace incident. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: water damage to client property, pipe-failure post-work, fall-from-height during ceiling work. Most commercial contracts mandate $2M PL. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/restaurant/auckland/ Restaurant Insurance Auckland NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Restaurant / Auckland Restaurant Insurance Auckland Public liability, contents, business interruption, statutory and (where licensed) liquor liability cover for NZ restaurants. The cover stack for a Auckland restaurant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$10M Cost: $25–$80 Higher tier for licensed venues; $5M+ typical for on-licence. Business Contents Limit: Fitout + stock + kitchen kit Cost: $40–$150 Commercial kitchen equipment runs hot — replacement values are high. Business Interruption Limit: 12–24 month indemnity Cost: $40–$120 Critical — restaurants are equipment-dependent and slow to rebuild. Liquor Liability (where licensed) Limit: $1M+ Cost: Quoted Some PL policies include it; many price separately. Why this matters in Auckland Auckland is NZ's largest commercial centre — CBD office leases routinely mandate $5M PL; industrial / construction work in Manukau/Penrose often requires $10M+. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire, alcohol-related incidents. $5M+ PL typical for full on-licence venues. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Auckland business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/restaurant/christchurch/ Restaurant Insurance Christchurch NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Restaurant / Christchurch Restaurant Insurance Christchurch Public liability, contents, business interruption, statutory and (where licensed) liquor liability cover for NZ restaurants. The cover stack for a Christchurch restaurant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$10M Cost: $25–$80 Higher tier for licensed venues; $5M+ typical for on-licence. Business Contents Limit: Fitout + stock + kitchen kit Cost: $40–$150 Commercial kitchen equipment runs hot — replacement values are high. Business Interruption Limit: 12–24 month indemnity Cost: $40–$120 Critical — restaurants are equipment-dependent and slow to rebuild. Liquor Liability (where licensed) Limit: $1M+ Cost: Quoted Some PL policies include it; many price separately. Why this matters in Christchurch Post-quake commercial rebuilds put renewed focus on contractor PL + Contract Works. Most CBD leases require $2M+ PL. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire, alcohol-related incidents. $5M+ PL typical for full on-licence venues. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Christchurch business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-for/restaurant/wellington/ Restaurant Insurance Wellington NZ 2026 — Cover, Cost & Limits SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business insurance for / Restaurant / Wellington Restaurant Insurance Wellington Public liability, contents, business interruption, statutory and (where licensed) liquor liability cover for NZ restaurants. The cover stack for a Wellington restaurant Indicative monthly cost and typical cover limit by product. Prices shown are indicative. Public Liability Limit: $2M–$10M Cost: $25–$80 Higher tier for licensed venues; $5M+ typical for on-licence. Business Contents Limit: Fitout + stock + kitchen kit Cost: $40–$150 Commercial kitchen equipment runs hot — replacement values are high. Business Interruption Limit: 12–24 month indemnity Cost: $40–$120 Critical — restaurants are equipment-dependent and slow to rebuild. Liquor Liability (where licensed) Limit: $1M+ Cost: Quoted Some PL policies include it; many price separately. Why this matters in Wellington Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+. Risk: slip / fall, hot-liquid scald, food-illness, kitchen fire, alcohol-related incidents. $5M+ PL typical for full on-licence venues. Related guides Business insurance calculator NZ PL cost by industry PI cost by profession Cheap business insurance NZ Get a quote for your Wellington business Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-hamilton/ Business Insurance Hamilton - Waikato Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Hamilton Public liability, professional indemnity, cyber and agribusiness-adjacent cover for Waikato businesses, arranged by a licensed NZ adviser. Hamilton is the commercial centre of the Waikato region — New Zealand's largest dairy region and a national hub for agribusiness, agri-research, education (the University of Waikato, Wintec), healthcare, logistics serving the upper North Island, and a growing tech and professional-services sector. The Waikato Innovation Park, the AgResearch Ruakura campus and a substantial veterinary-and-animal-science cluster shape the local commercial profile. Insurance priorities for Hamilton businesses Public liability: Starting cover for trades, retail, hospitality, healthcare and any public-facing operation. Professional indemnity: Standard for the city's consulting, engineering, design, agribusiness-advisory, healthcare and education-adjacent sectors. Business contents and equipment: Retailers, hospitality, trades and equipment-heavy agribusiness-adjacent operations. Business interruption: Material for revenue-sensitive operations dependent on a single premises. Cyber insurance: Relevant for any business handling customer data, including healthcare, education, retail and professional services. Motor fleet: Useful where the business runs multiple commercial vehicles — common for trades and agri-equipment dealers. Goods in transit and contract works: Standard add-ons for trades, freight-adjacent and contract-services businesses. Industries we commonly arrange cover for in Hamilton Agribusiness-adjacent services (consultants, equipment dealers, veterinary practices, agri-research-adjacent contractors) Building, plumbing, electrical and other trades (residential growth + commercial fit-out) Healthcare and allied health Tech and software (Waikato Innovation Park, CBD) Education and training providers Hospitality, retail and personal services Logistics, distribution and warehousing Manufacturing and light industrial (Te Rapa, Frankton industrial zones) Local risk context Hamilton's risk profile is shaped by low-to-moderate seismic exposure (lower than Wellington or Christchurch but not zero), severe-weather exposure across the wider region (Cyclone Gabrielle damage in 2023 extended into the Waikato), high commercial-vehicle density, and a substantial freight-and-logistics corridor running through to Auckland. Commercial property values are lower than Auckland but the city's logistics, warehousing and equipment-heavy industry mix means business-interruption and goods-in-transit cover are often more material than property cover alone. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . For rural and on-farm cover specifically, FMG remains the dominant NZ mutual. Frequently asked questions What insurance do most Hamilton small businesses need? Public liability is the standard starting policy. Add professional indemnity for advice-giving businesses (consulting, design, engineering, accounting), business contents for retailers, business interruption if revenue depends on a single premises, cyber if you hold customer data, and motor or fleet cover if you run commercial vehicles. The right mix depends on the specific business. Are agribusiness services in Hamilton covered under standard small business insurance? Businesses serving agriculture — agribusiness consultants, agri-equipment dealers, dairy-shed contractors, irrigation services, veterinary practices — are typically covered under standard small business policies, sometimes with industry-specific endorsements. Pure farming operations sit outside this and need rural-specific cover (FMG, Vero Rural, and similar). Is cyber insurance worth it for a Hamilton business? If you take card payments, hold customer records, run a booking system or use cloud accounting, the exposure exists. CERT NZ reports business email compromise and ransomware as the most-reported incident types nationally. A standalone cyber policy can fund forensic investigation, customer notification under the Privacy Act 2020, and lost-revenue cover during system downtime. Do Waikato dairy and rural businesses have specific insurance needs? Yes — pure farming operations need rural-specific cover that includes livestock, milk-and-product, equipment breakdown, contract-works for shed and infrastructure builds, and rural-specific liability wording. Standard small business policies don't include these elements. We can refer rural clients to specialist rural brokers (FMG, Aon Rural and similar) where the exposure is primarily on-farm. What is typical for a Hamilton hospitality or retail business? Public liability, business contents (stock, fit-out, equipment), business interruption, and where applicable, glass and signage cover. Hospitality businesses often add product liability and a small contamination extension; retailers add stock-specific cover with declared sums-insured. Get business insurance quotes for your Hamilton business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-north-shore/ Business Insurance North Shore - Auckland Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance North Shore Public liability, professional indemnity, marine and cyber cover for Auckland North Shore businesses, arranged by a licensed NZ adviser. Auckland's North Shore — from Devonport and Takapuna through Albany to Long Bay — is one of New Zealand's densest small-business regions. The local economy includes a substantial professional-services sector, the North Harbour industrial corridor, a national-significance marine industry concentrated around Westhaven, Bayswater and Hobsonville, retail and hospitality across the eastern bays, and a tech and consulting cluster around Smales Farm and Wairau. Insurance priorities for North Shore businesses Public liability: Starting cover for trades, retail, hospitality, healthcare and any business with public-facing or on-site operations. Professional indemnity: Standard for the Shore's consulting, design, IT, financial-services and healthcare sectors. Business contents and equipment: Office fit-out, equipment, retail stock — sums-insured commonly under-stated if not reviewed in the last 18 months. Cyber insurance: Particularly relevant for consultancies and any business storing client documents or financial data. Marine cover: Hull, cargo and marine liability for the Shore's substantial marine and boatbuilding sector. Commercial property and material damage: Owner-occupier cover for Albany, Wairau, North Harbour industrial properties. Industries we commonly arrange cover for on the North Shore Professional services (consulting, accounting, IT, design, financial-services) Marine, boatbuilding, refit, and marine electronics (with appropriate marine extensions) Building, plumbing, electrical and other trades Tech and software (Smales Farm, Wairau, Albany clusters) Hospitality, retail and personal services (Takapuna, Milford, Browns Bay, Devonport) Healthcare and allied health Manufacturing and light industrial (North Harbour, Albany) Local risk context The North Shore's risk profile is shaped by high property values (which often mean under-insurance on fit-out and equipment), a tightly-packed commercial-property market, coastal weather exposure, and Auckland's wider seismic profile (lower than Wellington or Christchurch but not zero — Auckland Volcanic Field exposure also features in some material-damage wordings). The marine corridor around Westhaven and Bayswater has specific cover requirements that standard small-business policies don't address. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . The Insurance Council of New Zealand publishes industry-wide claims data and consumer guides. Frequently asked questions What is typical business insurance for a North Shore SME? Most North Shore SMEs start with public liability, then layer professional indemnity (the Shore's professional-services and consulting density is high), business contents for retailers and offices, and cyber for any business holding customer or client data. Marine-adjacent businesses around Westhaven, Bayswater and Hobsonville often need marine-cargo or marine-liability extensions. Are property values on the North Shore relevant to insurance? Yes — fit-out values, equipment values and stock-on-hand tend to track local commercial-property pricing, which on the North Shore is materially higher than most of New Zealand. Under-insurance through outdated declared values is a common gap; if you haven't reviewed sums-insured in the last 18 months, the figures may be stale. Does the North Shore's marine industry have specialist requirements? The Shore has one of New Zealand's densest concentrations of marine businesses — boatbuilders, charter operators, refit, sailmakers, marine electronics. Standard small business policies don't typically cover marine hull, marine cargo, or specialist marine liability. A separate marine arrangement or specialist marine broker is usually required for that piece of the cover. Is cyber insurance worth it for a North Shore consulting business? If the business stores client documents, financial information or personal data, the exposure exists regardless of business size. CERT NZ reports business email compromise and ransomware as the most-reported incident types nationally. A small cyber policy can fund forensic investigation, customer notification under the Privacy Act 2020, and business-interruption cover for system downtime. Get business insurance quotes for your North Shore business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-palmerston-north/ Business Insurance Palmerston North - Manawatū Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Palmerston North Public liability, professional indemnity, cyber and contents cover for Manawatū businesses, arranged by a licensed NZ adviser. Palmerston North is the commercial centre of the Manawatū-Whanganui region and a major nexus for agribusiness, research, logistics and defence. The city's economy includes Massey University, AgResearch, Plant & Food, FoodHQ, the NZ Defence Force at Linton and Ohakea, and a substantial distribution and warehousing sector serving the central North Island. Insurance priorities for Palmerston North businesses Public liability: Starting cover for trades, retail, hospitality, healthcare, and any public-facing operation. Professional indemnity: Standard for the city's research, consulting, education and professional-services sectors. Business contents and equipment: Includes lab, field, and workshop equipment — common for research-adjacent and agritech businesses. Cyber insurance: Particularly relevant for businesses handling research data, customer records or IP. Goods in transit and bailee's liability: Standard add-ons for the city's significant logistics, distribution and warehousing sector. Motor fleet: If you run multiple commercial vehicles, fleet cover usually beats stitching together separate policies. Industries we commonly arrange cover for in Palmerston North Agribusiness, agritech and research-services (research, advisory, consulting, field-services) Logistics, warehousing and distribution Building, plumbing, electrical and other trades Healthcare and allied health Hospitality, retail and professional services Education and training providers Manufacturing and light industrial Local risk context Palmerston North sits in an active seismic zone (the Wellington fault system runs to the south), with exposure to severe weather including the 2004 Manawatū floods and Cyclone Gabrielle damage in 2023. Commercial property values are lower than Auckland or Wellington, but the city's logistics and warehousing density means business-interruption and goods-in-transit cover are often more material to the actual risk profile than property cover alone. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . CERT NZ publishes free cyber-resilience guides for small business. Frequently asked questions What insurance do agribusiness and research-services companies in Palmerston North need? Palmerston North has a strong agritech and research-services cluster around Massey, AgResearch, Plant & Food, and FoodHQ. Typical cover for these businesses is professional indemnity (research advice and methodology exposure), cyber (research and IP data), business contents (lab and field equipment), and product liability where physical product is sold or trialled. Are warehousing and logistics businesses covered differently? Yes — warehousing, distribution and freight-adjacent businesses usually need commercial property, material damage on stock, goods-in-transit (marine inland transit), public liability, and motor fleet cover. The mix depends on whether you own the goods, store them for clients (bailee's liability), or only move them. Standard small business packages don't typically include bailee's or goods-in-transit cover by default. Does standard cover include cyber for a Palmerston North business? No — cyber is generally a separate, optional policy or extension. CERT NZ's reports consistently show that business email compromise and ransomware are the most-reported incident types nationally; even small businesses are routinely targeted. A standalone cyber policy can fund forensic investigation, customer notification, ransomware response, and business-interruption cover for system downtime. Does NZ Defence Force adjacency affect insurance for Manawatū businesses? If you contract to NZDF or operate near Linton or Ohakea, contract-specific insurance requirements often apply — minimum liability limits, professional indemnity wording, and sometimes specific endorsements. Read the contract carefully and check that your policy meets the stated limits before signing. Get business insurance quotes for your Palmerston North business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-tauranga/ Business Insurance Tauranga - Quotes & Cover for BoP Businesses SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Tauranga Public liability, professional indemnity, contents and cyber cover for Bay of Plenty businesses, arranged by a licensed NZ adviser. Tauranga is the Bay of Plenty's commercial centre and the third-fastest-growing main centre in New Zealand by population, according to Stats NZ. Local SMEs span horticulture (kiwifruit, avocado), the Port of Tauranga supply chain, tourism around Mount Maunganui, hospitality, construction servicing a high-growth residential market, and a growing professional-services sector. Insurance priorities for Tauranga businesses Public liability: The most common starting policy for trades, hospitality, retail and tourism operators who interact with the public or work on third-party premises. Professional indemnity: Required by most professional bodies and many commercial contracts for consultants, designers, IT, and advisory businesses. Business contents and equipment: Essential for cafes, retailers and trades whose tools and stock represent significant capital. Business interruption: Tauranga's exposure to weather events (the 2023 Cyclone Gabrielle damage stretched to the wider BoP region) makes BI a relevant cover for revenue-sensitive operations. Cyber insurance: Online booking platforms, e-commerce retailers and tourism operators carry meaningful data-handling exposure. Marine cargo: Importers, exporters and freight-adjacent businesses around the port typically need a marine extension that sits outside standard small business policies. Industries we commonly arrange cover for in Tauranga Building, plumbing, electrical and other trades servicing the residential growth corridor Hospitality and tourism operators (cafés, restaurants, charter, tour and activity operators around the Mount) Retail and e-commerce, including specialist food, lifestyle and homeware Professional services (consulting, IT, design, accounting) Horticulture-adjacent businesses (packhouse services, equipment maintenance — note pure growing operations usually need a rural-specific arrangement) Marine and freight-adjacent businesses around the Port of Tauranga Local risk context Tauranga's risk profile is shaped by its exposure to weather and seismic events, a high share of trade-and-tourism businesses with seasonal revenue, and rapid commercial growth in suburbs like Tauriko and Papamoa. Standard policies respond to most exposures, but specialist add-ons (marine cargo, contamination, contract-works) are common requirements for port-adjacent, horticulture-adjacent, and construction-heavy businesses. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . The Insurance Council of New Zealand publishes industry-wide claims data and consumer guides. Frequently asked questions What insurance do Tauranga businesses typically need? Public liability is the most common starting cover for Tauranga SMEs, particularly tradies, hospitality and tourism operators. Add professional indemnity if you give advice, business contents if you hold stock or equipment, business interruption if downtime would stop revenue, and cyber if you store customer data. Exporters and marine-adjacent businesses around the Port of Tauranga often need marine cargo or commercial property cover as well. Are kiwifruit and horticulture businesses covered under standard small business insurance? Most standard small business policies exclude growing operations and on-orchard equipment. Horticulture, post-harvest, and pack-house operators typically need a rural-specific or industry-specific arrangement that includes equipment breakdown, product recall and contamination exposure. Talk to an adviser before assuming a generic package will respond. Is cyber insurance worth it for a Tauranga business? If you take card payments, hold customer records, or rely on a booking system, the exposure exists. CERT NZ reports business email compromise and ransomware as the top reported incident types nationally. A small policy can fund forensic investigation, notification to affected customers, and lost-revenue cover during system downtime. Does port and marine activity affect insurance options in Tauranga? Tauranga's port-driven economy means a higher share of local businesses touch import, export, freight forwarding, or marine services. Standard small business policies generally don't cover goods in transit or marine cargo — a marine extension or specialist marine cargo policy is usually required. Get business insurance quotes for your Tauranga business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-types/ Business Insurance Types NZ - Complete Guide SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Types Understanding different types of business insurance in New Zealand Choosing the right business insurance starts with understanding the different types available. Here's a comprehensive guide to all business insurance types in New Zealand. Main Insurance Types Public Liability Insurance - Third-party injury and property damage Professional Indemnity Insurance - Professional negligence and errors Cyber Insurance - Data breaches and cyber attacks Business Vehicle Insurance - Commercial vehicle protection Business Interruption - Lost income protection Employer Liability - Employee injury claims Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-wellington/ Business Insurance Wellington - Capital Region Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Wellington Professional indemnity, public liability, cyber and seismic-aware cover for Wellington businesses, arranged by a licensed NZ adviser. Wellington is New Zealand's seat of central government and a national hub for professional services, consulting, tech, film and creative industries. The local commercial base includes a high concentration of government contractors and Crown entities, the public service itself, a dense CBD retail and hospitality sector, and growing tech and creative clusters across Te Aro and the wider region. Insurance priorities in Wellington are weighted toward advice and data exposures (professional indemnity, cyber) and seismic-aware property cover more than most other NZ cities. Insurance priorities for Wellington businesses Professional indemnity: Standard for the city's consulting, advisory, government-contracting, design, IT and financial-services sectors. Crown contracts commonly specify minimum limits. Public liability: Required for trades, retail, hospitality and any public-facing operation. Standard Crown-contract minimums are $2m or $5m. Cyber insurance: Particularly relevant for government contractors handling agency data, and for the city's substantial tech and creative sector. Business contents and equipment: Office fit-out, equipment, and stock — equipment values for film, creative and tech often substantial. Commercial property and material damage: Seismic-aware wording is the key consideration; building age and strengthening status drive pricing. Business interruption: Often more important than property cover itself given high commercial-rent base. Management liability: Standard for businesses with external directors, trustees, or formal governance structures. Industries we commonly arrange cover for in Wellington Government contractors and consultants (central government, Crown entities, local government) Professional services (legal-adjacent consulting, accounting, design, financial advice) Tech and software Film, creative and screen production (note specialist production-insurance brokers may also be involved) Hospitality, retail and personal services (CBD, Cuba Street precinct, Newtown, Petone, Lower Hutt) Healthcare and allied health Building, plumbing, electrical and other trades Education and training providers Wellington-specific risk context Wellington's seismic exposure is the highest of any major NZ city — the Wellington fault and the Hikurangi subduction zone sit close. The 2016 Kaikōura earthquake caused substantial commercial-property and business-interruption losses in central Wellington, and reinforced the importance of seismic-aware wording, realistic indemnity periods, and accurate replacement-cost declarations. Pre-1976 unreinforced masonry buildings face stricter terms across the market; if your premises are older, the seismic status (NBS rating) is worth confirming before binding cover. The Natural Hazards Insurance Act 2023 (formerly the EQC Act) sets the residential natural-hazard scheme; commercial natural-hazard cover sits in the private market. For sector context, business.govt.nz/insurance-and-cover is the free public-sector starting point and ICNZ publishes industry claims data. Frequently asked questions What insurance do Wellington consultants and government contractors typically need? Professional indemnity is usually the most important policy — many government and Crown-entity contracts specify a minimum PI limit ($1m, $2m, $5m or higher) and specific scope wording. Add public liability (often $2m–$5m required by contract), cyber if you handle agency data or personal information, and management liability if there are external directors or trustee responsibilities. How is Wellington's seismic risk handled in business insurance? Commercial property and material damage policies in Wellington reflect the city's high seismic exposure through pricing, deductibles, and wording. Pre-1976 unreinforced masonry and unstrengthened concrete buildings face stricter terms; some insurers limit cover or apply higher excesses for these. The Natural Hazards Insurance Act 2023 (replacing the old EQC Act) sets the residential scheme; commercial cover sits outside that scheme and is fully private-market. Is business interruption cover more important in Wellington than other cities? Often, yes. Wellington's combination of high commercial-rent base, seismic exposure, and harbour-and-fault-line geography means BI claims can be meaningful even from non-catastrophic events. Check the indemnity period — 12 months is the standard starter but 18 or 24 months may be appropriate for businesses dependent on a single premises that would be difficult to replace. Do Wellington government contracts have specific insurance requirements? Yes — most Crown-entity and central-government contracts specify minimum professional indemnity and public liability limits, sometimes specific endorsements, and often a requirement for cover to be maintained throughout the engagement plus a run-off period. Forward the contract clause to your adviser before binding so the wording matches the requirement. What's typical for a Wellington tech or creative business? Wellington has substantial tech, film and creative sectors. Typical cover for these businesses is professional indemnity (advice and IP exposure), cyber (data handling), business contents (equipment), and where the business operates from a leased premises, commercial property and business interruption. Management liability is worth considering for any business with external directors. Get business insurance quotes for your Wellington business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance-whangarei/ Business Insurance Whangarei - Northland Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Whangarei Public liability, professional indemnity and marine-adjacent cover for Northland businesses, arranged by a licensed NZ adviser. Whangarei is Northland's largest city and the commercial hub for a region with a distinctive mix of marine, forestry, agriculture, tourism and SME trades. The local economy is shaped by the Port of Whangarei, Marsden Point's refining and fuel-distribution legacy infrastructure, a growing residential corridor, and a long coastline supporting fishing, charter and aquaculture operators. Public liability insurance Whangarei — what's typical Public liability is the most common starting policy for Whangarei businesses. It responds to third-party bodily injury and third-party property damage caused by your operations, plus the cost of defending a claim. Limits commonly used in Northland are $1m, $2m, $5m and $10m — many commercial and council contracts require a minimum of $2m or $5m, and Northland Regional Council or Whangarei District Council contracts often specify their own thresholds. For specifics on the cover and how it differs from professional indemnity, see our public liability insurance guide and the PL vs PI comparison . Insurance priorities for Whangarei businesses Public liability: Trades, retail, hospitality, marine charter, and any public-facing operation. Tool insurance: Specifically for tradies whose tools are a meaningful capital outlay. Contract works: Builders, plumbers, electricians and other trades working on-site for clients. Marine cargo, hull and liability: For businesses operating at, around or through the Port of Whangarei. Business contents: Retailers, hospitality, and trades with stock or workshop equipment. Commercial property and material damage: Owner-occupiers, with attention to weather and seismic wording. Industries we commonly arrange cover for in Whangarei Building, plumbing, electrical and other trades Marine, fishing, charter and aquaculture (with appropriate marine extensions) Hospitality, retail and tourism (especially around Tutukaka, the Bay of Islands corridor) Healthcare and allied health Professional services (consulting, accounting, design) Logistics and freight forwarding Local risk context Whangarei's commercial-property risk profile includes severe-weather exposure (cyclones, coastal flooding), low-to-moderate seismic exposure, and contamination/legacy-fuel-infrastructure exposure around Marsden Point. Many local commercial contracts specify minimum public liability limits well above the standard $1m starter, so reading the contract before binding cover is important. The free public-sector starting point for New Zealand business risk planning is business.govt.nz/insurance-and-cover . The Insurance Council of New Zealand publishes industry-wide claims data. Frequently asked questions What's the most common business insurance Whangarei trades need? Public liability is the standard starting policy for tradies in Whangarei and the wider Northland region — it responds to claims from third parties for injury or property damage caused by your work. Builders and electricians often add tool insurance and contract works cover; plumbers and gasfitters frequently add a higher liability limit because contract sites require it. Do marine and port-adjacent Whangarei businesses need specialist cover? Marsden Point and the Whangarei Harbour mean a meaningful share of local businesses touch marine, fishing, oil-and-gas-adjacent operations, or freight forwarding. Standard small business policies typically don't cover marine cargo, hull, or specialist marine liability — a marine extension or specialist marine policy is usually required. Is forestry and agriculture covered under small business insurance? Northland's forestry and agriculture sectors are usually outside the scope of a standard small business policy. Forestry contractors typically need a specialist or rural-broker arrangement that includes equipment breakdown, forest contract works, and elevated public liability limits. Pure farming operations need rural-specific cover (FMG, Vero Rural, and similar) rather than a small-business package. What is the typical scope of public liability for a Whangarei business? Public liability typically covers third-party bodily injury and property damage caused by your business operations, plus the cost of defending a claim. Standard limits are $1m, $2m, $5m or $10m; many commercial contracts require a minimum of $2m or $5m. Wording varies by insurer — for example, contract-works, sub-contractor, and faulty-workmanship exclusions are not consistent across the market. Get business insurance quotes for your Whangarei business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-insurance/calculator/ Business Insurance Calculator NZ 2026 — Indicative Cost in 30 Seconds SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Insurance Calculator NZ Five inputs. Indicative monthly cost. 30 seconds. Use as a budgeting starting point — a real quote follows. 1. Industry Tradies (builders / plumbers / electricians) Cleaners Retail shop Cafe / restaurant / bar Consultants / office-based Tech / IT consultants Accountants / lawyers / architects E-commerce / online retail Personal trainers / fitness Photographers / creatives 2. Annual revenue Under $100K $100K – $500K $500K – $1M $1M – $3M $3M+ 3. Number of employees Just me (sole trader) 2–4 5–10 11–25 26+ 4. Public liability cover limit $1M $2M (most common) $5M $10M 5. Add cyber + contents? PL only PL + Contents PL + Contents + Cyber Combined policy (PL + Contents + BI + Statutory) Indicative monthly cost $35–$70/month Indicative range only. Final premium depends on your specific industry classification, claims history, excess chosen and underwriter pricing. Get a real quote for my business How the calculator works The calculator uses indicative monthly cost data for 10 industry buckets, scaled by revenue, employee count, cover limit and product bundle. It produces a range , not a quote. For a real quote — comparing actual insurers, excess levels, and policy wordings — use the Get Quotes form. The form takes 2 minutes and is forwarded to a licensed adviser for a written quote. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-interruption-insurance/ Business Interruption Insurance NZ 2026 — Cover Lost Income After Fire, Flood or Earthquake SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business Interruption Insurance NZ Cover lost revenue and ongoing fixed costs when your NZ business can't operate after fire, flood, earthquake, or another insured event. Indicative cost $40–$150 per month for a NZ small business, indicative. Indemnity period typically 12, 18 or 24 months. Sum-insured should equal gross profit + ongoing fixed costs over the recovery period. Get Free Quotes Compare Coverage What Is Business Interruption Insurance? Business interruption insurance — also known as loss of income insurance or business income insurance — covers the revenue your business loses when it is forced to stop or reduce operations because of physical damage caused by an insured event. When a fire, flood, earthquake, or major storm damages your premises, equipment, or stock, your material damage policy covers the cost of repairs and replacement. But that is only half the problem. While you are closed or operating at reduced capacity, your revenue drops or stops entirely — yet your fixed expenses keep running. Rent, salaries, loan repayments, and other overheads do not pause just because your doors are shut. Business interruption insurance bridges that gap. It pays out the gross profit you would have earned during the period of disruption, covering both the lost revenue and the ongoing fixed costs your business must continue to pay. In New Zealand, this cover is particularly important given the country's exposure to natural disasters — earthquakes, flooding, volcanic activity, and severe storms. The Canterbury earthquake sequence (2010-2011) and Cyclone Gabrielle (2023) showed how businesses can be shut down for months or even years while premises are repaired or rebuilt. What Does Business Interruption Insurance Cover? Loss of Gross Profit Covers the reduction in your gross profit caused by the interruption. This is the core of a BI policy — it replaces the income you would have earned during the indemnity period. Ongoing Fixed Expenses Covers rent, employee wages, loan repayments, insurance premiums, and other fixed costs that continue even when revenue stops. Illustrative example: a cafe closed for 4 months after kitchen fire damage still owes $8,000/month in rent and staff wages. Additional Increased Cost of Working Extra expenses incurred to minimise the loss — such as renting temporary premises, hiring replacement equipment, or paying for express delivery of stock to resume trading faster. Customers and Suppliers Extension Some policies extend cover to losses caused by damage at a major customer's or supplier's premises that interrupts your business — even if your own property is undamaged. Denial of Access Covers lost income when you cannot physically access your premises due to damage to neighbouring properties or civil authority orders — such as a building cordon after an earthquake. Utilities Failure Some policies cover loss of income when essential utility services (power, water, gas, telecommunications) are interrupted due to physical damage at the utility provider's premises. What's NOT Covered by Business Interruption Insurance Pandemic and infectious disease closures — most NZ policies now exclude losses from pandemics, epidemics, or government-mandated closures related to infectious diseases following COVID-19 Loss without physical damage — if your business loses revenue due to a market downturn, loss of a key client, or reputational damage, this is not covered. An insured physical damage event must trigger the claim Losses during the waiting period — most policies have a waiting period (commonly 48 hours to 14 days) before cover begins. Losses during this initial period are not covered Cyber attacks — business losses resulting from cyber incidents, ransomware, or data breaches typically require separate cyber insurance Wear and tear or gradual deterioration — damage resulting from poor maintenance, gradual decay, or lack of upkeep is excluded Losses beyond the indemnity period — once your chosen indemnity period expires (e.g., 12 months), the policy stops paying regardless of whether your business has fully recovered How Much Does Business Interruption Insurance Cost in NZ? Business interruption premiums are typically calculated as a percentage of your declared gross profit, combined with your industry risk profile and indemnity period. Below are indicative monthly premium ranges. Actual premiums vary — your insurer will assess your specific circumstances. Business Type Annual Revenue Indicative Monthly Cost Sole trader / home-based Under $200K $30 - $60/month Retail shop $200K - $500K $40 - $90/month Cafe or restaurant $300K - $800K $50 - $120/month Trade business (builder, plumber) $200K - $1M $40 - $100/month Professional services firm $500K - $2M $50 - $130/month Manufacturing / warehouse $1M - $5M $80 - $250/month Factors That Affect Your Premium - Declared gross profit: The higher your insured gross profit, the higher the premium — because the insurer's maximum payout is larger - Indemnity period: A 24-month indemnity period costs more than a 12-month period, but provides much more protection for businesses that take longer to recover - Industry risk: Hospitality and manufacturing businesses face higher premiums than office-based businesses due to greater fire and equipment risks - Location: Businesses in high-risk natural hazard zones (earthquake-prone Wellington, flood-prone areas) may face higher premiums - Waiting period: Choosing a longer waiting period (e.g., 14 days vs 48 hours) reduces your premium but means you absorb more of the initial loss - Building and fire protection: Sprinkler systems, fire alarms, and modern building construction can reduce premiums Who Needs Business Interruption Insurance? Any business that would lose revenue if its premises, equipment, or stock were damaged should consider business interruption insurance. If you could not continue trading — or would trade at significantly reduced capacity — while your property is repaired or rebuilt, you need this cover. Business interruption insurance is particularly important for businesses that: Cafes, restaurants, and bars Retail shops and boutiques Manufacturers and workshops Medical and dental practices Hair salons and beauty clinics Accommodation providers Gyms and fitness studios Warehousing and logistics Childcare centres Automotive workshops Professional offices (lawyers, accountants) Commercial kitchens and bakeries Is Business Interruption Insurance Legally Required in NZ? Business interruption insurance is not legally required in New Zealand. No statute mandates that businesses carry this type of cover. However, it is often effectively required in the following situations: Bank and lender requirements If you have a business loan or mortgage over commercial property, your bank or lender may require business interruption insurance as a condition of the loan. This ensures you can continue servicing the debt even if operations are disrupted. Commercial lease obligations Some commercial leases require tenants to maintain business interruption cover, particularly where the landlord wants assurance that rent will continue to be paid during a disruption period. Franchise agreements Many franchise agreements mandate that franchisees maintain business interruption insurance to protect both the franchisee's and franchisor's revenue streams. Investor or shareholder agreements Businesses with external investors may be contractually required to maintain adequate business interruption cover to protect the investors' interests. Business Interruption vs Loss of Profits — What's the Difference? These terms are often used interchangeably, but there is a distinction in how some insurers define them: - Business interruption typically refers to the broader policy that covers loss of gross profit plus additional increased costs of working - Loss of profits may refer specifically to the net profit component of the loss - In practice, most NZ policies use "business interruption" as the umbrella term covering all income-related losses The key point is that your policy should cover your gross profit (revenue minus variable costs), not just your net profit. Your fixed costs continue during an interruption, and your policy needs to cover them. Indemnity Periods and Waiting Periods Explained Two of the most important decisions when setting up your business interruption policy are the indemnity period and the waiting period. Getting these wrong can leave you seriously underinsured. Indemnity Period The indemnity period is the maximum time your insurer will pay your claim. Common options are 12, 18, or 24 months. Consider how long it would realistically take to: - Obtain building consents and resource consents from your local council - Complete repairs or rebuild your premises - Replace specialist equipment (which may have long lead times) - Rebuild your customer base to pre-loss revenue levels After the Canterbury earthquakes, many businesses discovered that a 12-month indemnity period was insufficient. Rebuild times stretched well beyond 12 months due to consent delays, contractor shortages, and infrastructure damage. A longer indemnity period costs more but provides critical protection. Waiting Period (Time Excess) The waiting period is the initial period after the loss during which no payout is made. It works like a time-based excess. Common waiting periods are: - 48 hours: Standard for most small businesses — you absorb two days of lost income - 7 days: Lower premium, suitable for businesses that can absorb a week of disruption - 14 days: Reduced-premium option, but you carry more of the initial loss yourself NZ Natural Disaster Context New Zealand's natural hazard exposure makes business interruption insurance particularly important: - Canterbury earthquakes (2010-2011): Thousands of businesses in the Christchurch CBD were shut out of their premises for months or years. Many that lacked adequate business interruption cover — particularly those with short indemnity periods — never reopened - Cyclone Gabrielle (2023): Severe flooding across Hawke's Bay, Gisborne, and other North Island regions caused prolonged closures for farms, orchards, vineyards, and town-centre businesses - Wellington seismic risk: Wellington businesses face ongoing earthquake risk. Building assessments, cordons, and strengthening requirements after an earthquake can prevent access for extended periods even if your building survives intact How Business Interruption Claims Are Calculated Business interruption claims can be complex. Understanding how insurers calculate your payout helps ensure you are adequately covered and that your claim is settled fairly. Step 1: Establish the Standard Revenue Your insurer will determine what your business would have earned during the indemnity period had the loss not occurred. This is based on your historical financial records — typically the previous 12 months of trading, adjusted for any trends (growth or decline) and seasonal variations. Step 2: Calculate the Shortfall The insurer compares your standard (expected) revenue against your actual revenue during the interruption period. The difference is the revenue shortfall. If your business earned nothing during the closure, the shortfall equals your entire standard revenue. Step 3: Apply the Rate of Gross Profit Your insurer applies the rate of gross profit (gross profit as a percentage of revenue) to the revenue shortfall. This removes the variable costs that would have stopped anyway — you are only compensated for the fixed costs and profit margin you lost, not for stock you did not need to buy. Step 4: Add Increased Costs of Working Any additional expenses you incurred to reduce the loss are added — such as temporary premises rent, equipment hire, overtime wages, or express freight costs. These must be reasonable and proportionate to the loss they prevented. Step 5: Deduct the Waiting Period and Excess Losses that fall within your waiting period (time excess) are deducted, as are any monetary excesses. Some policies apply the waiting period as a true time excess (first X days excluded), while others apply it as a qualifying period (no cover unless the interruption exceeds X days, then full cover from day one). Avoiding Underinsurance Underinsurance is common with business interruption policies. To avoid it: - Review your declared gross profit annually — if your revenue has grown, your declared amount may be too low - Choose an indemnity period that realistically reflects rebuild and recovery times, not the shortest (cheapest) option - Include all fixed costs in your gross profit calculation — rent, wages, loan repayments, insurance, rates, and other ongoing expenses - Ask your accountant to help prepare an insurance-specific gross profit calculation — it differs from your standard accounting gross profit Related Insurance Types Business interruption insurance works alongside other commercial policies. Here is how it fits with the broader insurance picture for your business: Insurance Type What It Covers Relationship to BI Material damage / property Repair/replacement of buildings, contents, stock Required as the base policy for BI cover Public liability Third-party injury and property damage Separate cover — BI does not cover liability claims Cyber insurance Cyber attacks, data breaches, ransomware Covers cyber-related income loss (excluded from standard BI) Combined business policy Bundles material damage, BI, liability, and more Often the most cost-effective way to add BI cover Frequently Asked Questions What is business interruption insurance? Business interruption insurance (also called loss of income insurance) covers the revenue your business loses and the ongoing expenses it must pay when operations are disrupted by an insured event such as fire, flood, earthquake, or storm damage. It pays out during the period your business cannot trade normally. How much does business interruption insurance cost in NZ? Business interruption insurance in New Zealand typically costs between $30 and $150 per month for small businesses, depending on your annual revenue, industry, indemnity period, and the insured events covered. Premiums are usually calculated as a percentage of your declared gross profit. Does business interruption insurance cover pandemics or COVID-19? Most business interruption policies in New Zealand now exclude pandemics and government-mandated closures following the COVID-19 experience. Some policies introduced specific infectious disease exclusions from 2020 onwards. Check your policy wording carefully, as coverage varies between insurers. What is an indemnity period in business interruption insurance? The indemnity period is the maximum length of time your insurer will pay out for lost income after an insured event. Common indemnity periods in NZ are 12, 18, or 24 months. You should choose an indemnity period long enough to cover the time it would realistically take to rebuild, refit, and return to normal trading levels. Do I need material damage insurance to get business interruption cover? Yes. Business interruption insurance is almost always sold as an extension to a material damage (property) policy. The interruption must be caused by physical damage to your insured property or, in some cases, damage to a supplier or customer's property. You generally cannot buy standalone business interruption cover without an underlying material damage policy. How is gross profit calculated for a business interruption claim? For insurance purposes, gross profit is calculated differently from accounting gross profit. It is typically your revenue minus your variable costs (costs that stop when you stop trading, such as stock purchases and freight). Fixed costs like rent, salaries, and loan repayments are included in the insured gross profit because they continue even when revenue stops. Get Your Business Interruption Insurance Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-vehicle-insurance/ Commercial Vehicle Insurance NZ 2026 — Business Car, Van, Ute & Fleet Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Commercial Vehicle Insurance NZ Business car, ute, van, and fleet insurance for New Zealand companies. Protect your commercial vehicles with comprehensive or third party cover designed for business use. Get Free Quotes Compare Coverage What Is Commercial Vehicle Insurance? Commercial vehicle insurance — also called business vehicle insurance or business car insurance — is a motor vehicle policy designed specifically for vehicles used in the course of business. It covers risks that standard personal motor vehicle policies exclude or limit. The key difference between personal and commercial vehicle insurance is the declared use . Personal policies typically cover commuting to a fixed workplace and private use. Once you start using a vehicle for deliveries, client visits, transporting goods or tools, or any activity that generates business revenue, you cross into commercial use territory. Common situations where personal cover falls short include: Delivery drivers — food delivery, courier work, or transporting stock to customers Tradies — carrying tools and materials between job sites Sales representatives — regular client visits across a wide area Signwritten vehicles — even if used partly for personal trips, a branded vehicle signals business use Transporting employees or clients — any vehicle used as part of a service If your insurer determines that a vehicle was being used commercially at the time of an incident and your policy only covers personal use, your claim can be declined entirely — leaving you to cover repair costs, replacement, and any third-party liability out of pocket. What Does Commercial Vehicle Insurance Cover? There are three main tiers of cover available for business vehicles in New Zealand. Choose the level that matches your vehicle's value and your risk tolerance. Comprehensive Recommended for most businesses Damage to your vehicle (collision, weather, vandalism) Theft and attempted theft Fire damage Third party vehicle and property damage Windscreen and glass Third Party Fire & Theft Mid-range option Third party vehicle and property damage Theft and attempted theft of your vehicle Fire damage to your vehicle No cover for collision damage to your vehicle No windscreen cover Third Party Only Budget option for older vehicles Third party vehicle and property damage No cover for your own vehicle No theft cover No fire cover No windscreen cover Additional Cover Options Roadside Assistance Breakdown recovery, flat tyres, flat batteries, lockouts Rental Car After Accident Temporary replacement vehicle while yours is repaired Windscreen & Glass Repair or replacement without affecting your no-claims bonus Tools & Equipment in Vehicle Cover for work tools and gear stored or carried in the vehicle Signwriting & Modifications Cover for custom signwriting, canopies, bull bars, and fitouts Trailer Cover Extend cover to attached and unattached trailers Types of Business Vehicles We Cover Commercial vehicle insurance covers a wide range of vehicle types. If your vehicle is used for business purposes, there is a policy to match. Cars & Sedans Company cars, sales representative vehicles, pool cars for employee use. Includes hatchbacks, sedans, and SUVs used for client visits or commuting. Utes & Pickups Single-cab, extra-cab, and double-cab utes. Popular with tradies, builders, landscapers, and farm contractors. Includes cover for trays, canopies, and toolboxes. Vans Panel vans, cargo vans, and minivans. Common for couriers, cleaners, plumbers, electricians, and mobile service businesses. Includes internal fitout cover. Light Trucks (under 3.5t) Light commercial vehicles such as box trucks, curtainsiders, and refrigerated trucks. Used by small freight operators, food distributors, and removalists. Heavy Vehicles (over 3.5t) Trucks, tractor units, and specialist heavy vehicles. May require specialist commercial motor policies with higher liability limits and additional endorsements. Trailers & Specialty Vehicles Trailers, horse floats, caravans used for business, and specialty vehicles such as food trucks, mobile workshops, and agricultural machinery. Fleet Insurance NZ If your business operates three or more vehicles, a fleet insurance policy can simplify your administration and reduce costs. Instead of managing individual policies with different renewal dates, a fleet policy covers all your vehicles under one policy with a single renewal. Benefits of Fleet Insurance Volume discounts — premiums are typically 5-15% lower than equivalent individual policies Single renewal date — one annual review instead of juggling multiple policies Easier administration — add or remove vehicles during the policy year without starting a new policy Consistent cover — same terms, conditions, and excess across all vehicles Claims management — one insurer, one claims process for all incidents Named Driver vs Any-Driver Policies Named driver policies restrict cover to specific, listed drivers. This is cheaper because the insurer can assess each driver's risk individually. Suitable for businesses where the same employees always drive the same vehicles. Any-driver policies allow any licensed driver (usually over 25) to drive any vehicle on the fleet. This costs more but gives businesses flexibility — useful for companies with casual staff, rotating drivers, or shared vehicle pools. Some insurers apply an age restriction (e.g., drivers must be over 25) or charge an additional excess for younger drivers. Do I Need Commercial Vehicle Insurance? If you use a vehicle for any business purpose beyond commuting to a fixed workplace, you likely need commercial vehicle insurance or at minimum need to declare business use on your personal policy. Here is a practical checklist: You Probably Need It If... You make deliveries or pick up stock You visit clients or work on-site You carry tools or equipment in the vehicle Your vehicle has business signwriting Your vehicle is owned by a company or trust Employees or contractors drive the vehicle Personal Cover May Be Enough If... You only commute to a fixed office The vehicle is never used during business hours for business tasks No tools, stock, or business goods are carried The vehicle is privately owned (not company/trust) Even so, always check your policy wording and declare any occasional business use to your insurer. Illustrative example A plumber uses their personal ute to travel between residential jobs, carrying a full tool kit in the tray. On the way to a job, they are involved in a collision. Their personal insurer declines the claim because the vehicle was being used commercially at the time of the incident and business use was not declared on the policy. The plumber faces repair costs for both vehicles — potentially $15,000-$30,000 — with no insurance payout. Indicative Pricing by Vehicle Type Premiums vary significantly based on vehicle value, driver history, location, and use. The figures below are indicative only and intended as a general guide. All prices are indicative and exclusive of GST. Actual premiums depend on individual risk assessment. Vehicle Type Typical Value Range Comprehensive (indicative) Third Party F&T (indicative) Sedan / Hatchback $10,000 - $50,000 $40 - $120/month $20 - $50/month Ute / Pickup $25,000 - $80,000 $60 - $180/month $25 - $60/month Van / Panel Van $15,000 - $60,000 $50 - $150/month $25 - $55/month Light Truck (under 3.5t) $30,000 - $100,000 $80 - $250/month $30 - $70/month Heavy Vehicle (over 3.5t) $80,000 - $300,000+ $150 - $500+/month $50 - $120/month Motorcycle $5,000 - $25,000 $30 - $90/month $15 - $35/month How to Reduce Your Commercial Vehicle Premiums 1 Choose Agreed Value An agreed value policy locks in the payout amount at the start of the policy. This avoids disputes about depreciation at claim time. It may cost slightly more in premium but gives certainty — especially important for modified or fitout vehicles where market value may not reflect the true replacement cost. 2 Increase Your Excess A higher voluntary excess — the amount you pay out of pocket per claim — reduces your premium. This works well if you have a good claims history and can absorb a larger cost for minor incidents. Moving from a $500 to $1,000 excess can meaningfully reduce your annual premium. 3 Install GPS Tracking or Telematics Some insurers offer discounts for vehicles fitted with GPS tracking or telematics devices. These reduce theft risk and can provide data on driver behaviour — helping to identify and address risky driving patterns across your fleet. 4 Restrict Drivers (Named Driver Policy) Limiting who can drive your vehicles to named, experienced drivers with clean records is cheaper than an any-driver policy. If your business allows it, named driver cover can substantially reduce premiums. 5 Driver Training Defensive driving courses and fleet driver training programmes demonstrate risk management to insurers. Some policies offer premium reductions for businesses that can show regular driver training records. 6 Bundle with Other Business Insurance Combining your commercial vehicle cover with other business insurance — such as public liability, contents, or business interruption — under a combined business policy may qualify for multi-policy discounts. Industries That Need Commercial Vehicle Insurance Almost every industry that puts vehicles on the road for work purposes needs commercial cover. Here are the most common. Construction & Trades Builders, plumbers, electricians, roofers, painters. Utes and vans carrying tools and materials between job sites daily. Couriers & Delivery Parcel delivery, food delivery, freight. High-kilometre vehicles with frequent stops in urban traffic. Landscaping & Gardening Utes and trailers carrying mowers, blowers, chainsaws, and other powered equipment between residential and commercial sites. Real Estate & Sales Agents visiting properties and clients across a wide area. Branded company cars representing the business. Cleaning Services Vans loaded with cleaning equipment and chemicals. Multiple site visits per day across residential and commercial clients. Agriculture & Farming Farm utes, trucks, and specialty vehicles. Rural driving on unsealed roads with livestock and heavy loads. Healthcare & Home Care Nurses, caregivers, and allied health professionals visiting patients at home. Daily driving across urban and rural areas. Food & Hospitality Catering vans, food trucks, restaurant supply runs. Refrigerated vehicles and specialty fitouts need adequate cover. Agreed Value vs Market Value When you take out comprehensive commercial vehicle insurance, you choose how your vehicle will be valued if it is written off or stolen. This is one of the most important decisions in your policy. Agreed Value You and the insurer agree on a fixed value when the policy starts. If the vehicle is written off, you receive this amount (less any excess). No depreciation disputes at claim time. Best for: Newer vehicles, vehicles with modifications or fitouts, and any vehicle where the replacement cost is clear and you want certainty. Market Value The insurer pays what the vehicle was worth on the open market at the time of the loss. This is typically lower than agreed value — and can lead to disputes about the vehicle's condition and comparable sales. Best for: Older vehicles where the agreed value premium is not justified, or vehicles that are easily replaced with a similar model. Illustrative example A courier company insures a 2021 van on a market value basis. Two years later, the van is stolen. The insurer assesses the market value at $28,000 based on comparable sales. The company had expected to receive closer to $35,000 — the price they would need to pay for an equivalent replacement with the same fitout. With an agreed value policy set at $35,000, the payout would have been certain. NZ-Specific Considerations ACC Covers Injuries, Not Vehicle Damage New Zealand's no-fault ACC scheme covers personal injuries from motor vehicle accidents — for you, your employees, passengers, and third parties. This means you cannot be sued for personal injury in a vehicle accident. However, ACC does not cover damage to vehicles, property, or goods. Without commercial vehicle insurance, you bear the full cost of vehicle repairs, third-party property damage, and any loss of use. Finance Company Requirements If your business vehicle is under hire purchase, finance lease, or chattel mortgage, the finance company will require comprehensive insurance for the duration of the agreement. Their interest must be noted on the policy. Failure to maintain cover is typically a breach of the finance agreement. When setting up insurance for a financed vehicle, provide your finance company's details so they can be noted as an interested party. Vehicle Registration Is Not Insurance Paying your vehicle registration (rego) and Warrant of Fitness (WoF) does not provide any insurance cover. Registration fees include an ACC motor vehicle levy for personal injury cover, but this is not vehicle insurance. New Zealand has no compulsory third-party property damage insurance — unlike Australia, the UK, and most other countries. This means an uninsured driver who damages your vehicle may have no means to pay for repairs. Uninsured Motorist Cover Because NZ has no compulsory vehicle insurance, a significant number of vehicles on the road are uninsured. Some commercial vehicle policies include uninsured motorist cover, which pays for damage to your vehicle if the at-fault driver has no insurance and cannot pay. This is worth checking when comparing policies. What to Look for When Comparing Policies Not all commercial vehicle policies are equal. When comparing quotes, look beyond the headline premium and check these details: Excess amounts Check the standard excess, any age-related excess for younger drivers, and whether there is an additional excess for specific claim types (e.g., windscreen, underbody damage). Cover for modifications Canopies, bull bars, roof racks, signwriting, and internal fitouts may not be covered unless specifically declared and valued on the policy. Replacement vehicle provision Some policies include a rental car or courtesy vehicle while yours is being repaired. Others offer this as a paid add-on. Check the daily limit and maximum duration. Tools and contents limits If you carry tools, stock, or equipment in the vehicle, check whether the policy covers them and up to what value. You may need separate tool insurance for higher-value kits. Geographical limits Most NZ commercial policies cover the vehicle anywhere in New Zealand. If you operate near ports or need cover for vehicles transported between islands, check that inter-island transit is included. Claims process and repairer network Check whether the insurer has an approved repairer network, whether you can choose your own repairer, and what the typical claims turnaround time is. For business vehicles, downtime costs money. Frequently Asked Questions Does my personal car insurance cover business use in New Zealand? In most cases, no. Standard personal motor vehicle policies in NZ typically exclude regular business use beyond commuting to a fixed workplace. If you use your vehicle for deliveries, client visits, carrying tools or stock, or any revenue-generating activity, your personal policy may not respond to a claim. You need to declare business use to your insurer or take out a dedicated commercial vehicle policy. Driving a signwritten vehicle on a personal policy is a common red flag that can lead to claim denial. What is the difference between comprehensive and third party vehicle insurance? Comprehensive cover protects your own vehicle as well as damage you cause to other people's vehicles and property. It typically includes theft, fire, weather damage, vandalism, and windscreen cover. Third party only covers damage you cause to other vehicles and property — your own vehicle is not covered. Third party fire and theft sits in between, adding fire and theft cover for your vehicle on top of third party liability. Comprehensive is generally recommended for newer or higher-value business vehicles. How many vehicles do I need for fleet insurance in NZ? Most NZ insurers define a fleet as three or more vehicles under a single policy. Fleet policies simplify administration — one renewal date, one premium, one claims process — and typically offer volume discounts of 5-15% compared to individual policies. Some insurers offer fleet cover from as few as two vehicles, while larger fleets of 10 or more vehicles may qualify for additional discounts and dedicated claims management. Does ACC cover vehicle damage in a business accident? No. ACC (Accident Compensation Corporation) covers personal injuries sustained in motor vehicle accidents — both for you and any third parties. However, ACC does not cover damage to your vehicle, the other party's vehicle, or any property damage. You need commercial vehicle insurance to cover the cost of repairing or replacing your vehicle and any third-party property damage. This is a common misunderstanding among NZ business owners. What affects the cost of commercial vehicle insurance in NZ? Key factors include the vehicle type and value, how the vehicle is used (deliveries vs client visits vs heavy transport), annual kilometres driven, where the vehicle is garaged, the age and driving history of all drivers, the excess amount you choose, and whether you select agreed value or market value. Fleet policies, higher excess amounts, GPS tracking, and restricting drivers to named individuals can all help reduce premiums. Do I need commercial vehicle insurance if my vehicle is financed? If your business vehicle is under a finance agreement, hire purchase, or lease, the finance company will almost certainly require you to hold comprehensive insurance for the full term of the agreement. This is typically a condition of the finance contract. The finance company may also require that their interest is noted on the policy. Failing to maintain insurance could put you in breach of your finance agreement, potentially allowing the finance company to demand immediate repayment. Get Your Commercial Vehicle Insurance Quote Compare quotes from NZ insurers for business cars, utes, vans, trucks, and fleets. Free, no-obligation quotes. Get Free Quotes Talk to an Adviser Advice provided by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/business-vs-personal-liability-insurance/ Business vs Personal Liability Insurance NZ — Which Do You Actually Need? SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Business vs personal liability insurance NZ Two different products, often confused. Business PL covers your trading activities. Personal liability covers your private life. Quick answer If a claim arises from your trade or business activity — even at home if you trade from home — it sits with business public liability . If it arises from your private life — your pet, your kids, your social activities — it sits with personal liability , which is typically bundled inside home contents or renters insurance. For tenants of a commercial premises, look for the Tenant's Liability section inside your business PL. For tenants of a residential property, look for personal liability inside renters insurance or home contents. Common situations — which cover applies Situation Right cover Customer slips on freshly mopped floor at your shop Business Public Liability Your dog bites a visitor at your home Personal liability (often inside home contents) You accidentally damage your landlord's commercial premises Business PL — Tenant's Liability section You accidentally damage your rented apartment Personal liability (renters insurance / home contents) Cleaner drops a vase while cleaning a client's home Business PL (cleaner's own policy) Friend trips at your house during a BBQ Personal liability (home contents) Tradie damages a neighbour's fence while working at a property Business PL Child kicks a ball through a neighbour's window Personal liability (often via home contents) FAQ What is the difference between business and personal liability? Business public liability covers third-party claims arising from your trading activities — customers injured at your shop, damage you cause to client property. Personal liability covers third-party claims from your private life — accidents at home, your pet, your personal activities. They are different products and one does not substitute for the other. Do I need both? If you trade and have a personal life, yes — usually one of each. Business PL via a commercial policy, personal liability typically bundled inside home contents or renters insurance. What about tenant liability? Tenant liability sits inside the relevant policy depending on what you're renting. Commercial premises → Tenant's Liability section of your business PL. Residential premises → personal liability under home contents or renters insurance. Related guides Business public liability insurance NZ — full guide Home-based business insurance guide Personal home contents and renters insurance is outside our scope — we do not arrange personal-lines cover. For personal liability inside home contents, contact your personal insurer. Get a business PL quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/cafe-insurance/ Cafe & Hospitality Insurance NZ - Cover for Cafés, Restaurants and Food Operators SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Café & Hospitality Insurance NZ Public liability, contents, business interruption, product liability and food-spoilage cover for NZ cafés, restaurants and food operators, arranged by a licensed NZ adviser. Cafés, restaurants and food operators carry a distinctive bundle of insurance risks: high public footfall, valuable fit-out and equipment, perishable stock, allergen and contamination exposure, and revenue tied to a single location. The right insurance mix protects against the events that would actually stop trade — kitchen fire, refrigeration failure, slip-and-fall claims, a contamination outbreak, a contractor accidentally damaging the shopfront. This guide covers what most NZ cafés and hospitality operators carry and the wording details worth checking before binding. Core covers for cafés and hospitality Public liability: Responds to third-party injury and property damage. Customer slips, dropped trays, accidental damage to a customer's belongings. Common limits: $1m starter, $2m–$5m for larger operators or where landlord/franchisor requires. Business contents: Covers fit-out, kitchen equipment, furniture, stock. Sums-insured should reflect replacement cost — café fit-out and commercial kitchen equipment is often more valuable than operators realise. Business interruption: Replaces lost gross profit and pays continuing fixed costs during an insured closure. Critical for single-location operators where a closure stops revenue entirely. Product liability: Responds to claims that food or beverage sold caused illness, allergic reaction or other harm. Often bundled with public liability as "public and products liability". Refrigeration / spoilage extension: Cover for refrigerated stock lost due to mechanical breakdown or insured power outage. Specific extension, not part of base contents cover. Glass cover: Standard add-on for shopfront glass, display fridges and other glass exposures. Money cover: Cover for cash on premises, in transit, and at the bank night-safe. Commercial property and material damage: For café operators who own their premises. Liquor liability: For licensed premises serving alcohol — specific endorsement covering claims arising from intoxication-related events. Cyber insurance: Relevant where booking systems, POS systems, online ordering and customer data are in use. Café-specific risks and wording details Kitchen fire and cooking risk Cooking operations carry the highest fire risk in any retail premises. Insurers usually require working fire-suppression systems (commercial grease-extract suppression where commercial cooking is undertaken), regular extract cleaning, and compliance with the Building Act and Fire and Emergency NZ regulations. Some insurers exclude or limit cover where the fire-suppression system is not adequately maintained — read the maintenance conditions in the schedule. Food-spoilage and refrigeration Refrigerated stock represents a meaningful slice of inventory value for any café. Standard spoilage extensions cover loss due to mechanical breakdown of refrigeration equipment or insured power outage. Common exclusions: planned outages, gradual deterioration, events caused by lack of maintenance, and extended outages beyond a stated time threshold. Single-event sublimits (often per fridge or per incident) also apply. Contamination and product recall A contamination incident — bacterial outbreak, allergen mislabelling, foreign object — can trigger product liability claims, public health intervention and significant reputational loss. Some insurers offer a specific contamination and product-recall extension that funds the cost of recalling product, customer notification, and public-health-compliance work. Worth flagging at quote stage if the operation handles allergens, fresh produce, or prepared meals. Slip and trip claims High footfall plus food-handling means café slip-and-trip claims are common. Public liability responds, but the policy will require reasonable risk-management practices: appropriate signage when floors are wet, prompt clean-up of spills, appropriate matting, staff training. Recurring claims history affects renewal pricing materially. Mobile and event operators Food trucks, market traders and festival-event caterers need a hybrid cover — public liability + commercial motor + product liability + contents on equipment. Some standard small-business policies exclude food vending operations by default; specialist hospitality wording is usually preferable. Event-specific short-term cover is also available for one-off engagements. Industries we commonly arrange café / hospitality cover for Suburban and CBD cafés Restaurants (independent, franchise, fine-dining) Licensed bars and gastro-pubs (liquor liability typically required) Food trucks and mobile food operators Specialist food producers and retailers (bakeries, delis, butchers, specialist food retail) Catering operators (corporate, event, mobile) Quick-service and franchise operators What standard cover does not include Gradual wear and tear or maintenance issues Pest or rodent damage (some insurers offer specific endorsements) Claims arising from intoxication where liquor liability is not in place Equipment breakdown for older commercial equipment (specific breakdown cover required) Cyber-driven business interruption without standalone cyber cover Vehicle-related claims without commercial motor cover For broader cover context, see the main small business insurance guide, the public liability insurance deep-dive, and the insurance for retailers page covering related fit-out and stock cover patterns. For business-interruption specifically, see business interruption insurance . Frequently asked questions What insurance does a NZ café need? Most cafés carry public liability (third-party injury and property damage), business contents (fit-out, equipment, stock), business interruption (lost revenue from a closure), product liability for food and beverage sold, and where the operator owns the building, commercial property cover. Many add glass cover (shopfronts), money cover for cash on premises, and cyber if booking systems or customer-data systems are in use. Does standard café insurance cover food spoilage? Refrigerated stock spoilage is typically a specific extension to the policy, not part of the base wording. Cover usually responds to spoilage caused by mechanical breakdown of refrigeration or insured power outages. Some insurers exclude planned outages, gradual deterioration, or events caused by lack of maintenance. The wording matters — confirm it before relying on it. Is product liability the same as public liability for a café? Product liability is technically a separate cover, though many policies bundle the two as 'public and products liability'. Public liability responds to injury or property damage caused by the operation itself (a slip, a dropped tray). Product liability responds to harm caused by the food or beverage sold (food poisoning, contamination, allergen mislabelling). What about cafés in food trucks or temporary locations? Food-truck operators need public liability (the highest-priority cover) plus motor cover for the truck itself (commercial vehicle cover, sometimes with a 'food vending' endorsement), product liability, and contents cover for equipment. Event operators may also need short-term event-specific cover for festival or market trading. Some standard small-business policies exclude food-vending operations by default; flag the trade at quote stage. How does business interruption work for a café? Business interruption (BI) replaces lost gross profit and pays continuing fixed costs (rent, wages, utilities) when an insured event (fire, weather damage, in some cases utility failure) stops or slows trading. For cafés, the indemnity period is usually 12, 18 or 24 months. The right indemnity period depends on how long it would realistically take to rebuild the fit-out and re-establish trade — often longer than operators initially think. Are restaurant and hospitality businesses covered differently from cafés? The base cover types are similar, but the scale and specific risk profile changes. Larger restaurants, bars and licensed premises often need higher PL limits (sometimes driven by lessor or franchisor requirements), liquor liability where alcohol is served, and higher business-interruption indemnity periods. Specialist hospitality endorsements exist for kitchen fire, contamination, and pest/rodent exposure. Get café & hospitality insurance quotes Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/cheap-business-insurance/ Cheap Business Insurance NZ 2026 — Indicative Entry Cost by Trade SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Cheap Business Insurance NZ Lowest indicative entry $12–$25 per month at $1M cover for sole traders in low-risk trades. Cheap usually means a higher excess and narrower scope — compare exclusions and sub-limits, not just sticker price. Lowest indicative monthly cost by trade Trade Indicative monthly Cover scope Sole trader cleaner (domestic) $12–$18 $1M PL only Freelance writer / graphic designer $15–$22 $500K PI only Photographer / videographer (sole) $15–$25 $1M PL + equipment Personal trainer (mobile) $15–$25 $1M PL + small PI Bookkeeper (sole, part-time) $20–$30 $500K PI Office consultant (sole) $15–$25 $1M PL Hairdresser (mobile) $18–$28 $1M PL Sole tradie (low-risk: tilers, painters) $15–$30 $1M PL Costs shown are indicative. Final premium varies with revenue, claims history, location and excess. Five levers to lower premium safely 1. Raise the excess. $250 → $1,000 typically drops premium 10–15%. 2. Bundle. A Combined Business Policy is usually cheaper than separate PL + Contents + BI. 3. Pay annually. Monthly instalments typically carry a 5–10% premium loading. 4. Get declarations right. Misclassified industry or over-stated revenue both inflate premium. 5. Compare via a broker. The same business can receive premiums 30–60% apart from different underwriters. What "cheap" usually means Higher excess $1,000 excess instead of $250 reduces premium but means you pay $1,000 of every claim before cover starts. Narrower scope Cheap policies often exclude products liability, advertising injury, tenant's liability, or overseas work. Lower sub-limits Headline $1M cover can hide $50K sub-limits on individual sections. Check the policy schedule. FAQ How cheap can business insurance get in NZ? Indicative entry point is $12–$15/month at $1M cover for a sole trader cleaner, freelancer, or low-risk consultant. Cheap usually means a higher excess and narrower cover scope. Compare exclusions and sub-limits, not just headline monthly cost. How can I lower my premium without dropping cover? Five levers: increase excess ($250 → $1,000), bundle into a Combined Business Policy, pay annually instead of monthly, decline interest-loaded instalments, and ensure your declarations (industry, revenue) are accurate. Is the cheap option the right choice? Not always. Compare excess, sub-limits, exclusions, claims-process reputation, and insurer financial strength alongside price. Long-tail PL claims can sit with an insurer for years; financial strength matters. Compare quotes — free, no obligation Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/claims-process-guide/ Insurance Claims Process NZ - How to Make a Claim SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes How to Make an Insurance Claim Step-by-step guide to the business insurance claims process Steps to Make a Claim Notify Your Insurer Immediately - Contact them as soon as possible after the incident Document Everything - Photos, witness statements, police reports, invoices Complete Claim Forms - Provide accurate details about the incident Cooperate with Assessment - Allow insurer to investigate and assess Receive Settlement - Claims typically settled within 2-8 weeks Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/combined-business-policy/ Combined Business Insurance Policy NZ - Bundled Coverage SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Combined Business Insurance Policy Comprehensive insurance package combining multiple coverage types. Save money and simplify management with one bundled policy. Get Free Quotes Compare Coverage What's Covered Multiple Coverages Combined Public liability, professional indemnity, contents, and more in one policy Cost-Effective Package Bundling policies may reduce costs compared to buying them separately Single Policy Management One renewal date, one contact point, simplified administration Tailored Coverage Customized to your specific business needs and risks Comprehensive Protection Full coverage across all your business insurance needs Flexible Options Add or remove coverage as your business evolves Get Your Combined Policy Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/compare/ Compare Business Insurance Types NZ - Coverage & Pricing SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Compare Business Insurance Types Find the right insurance coverage for your New Zealand business. Compare features, coverage levels, and pricing across all insurance types. Public Liability Insurance Popular Protection against third-party injury and property damage claims $15 per month from Key Features: Third-party injury coverage Property damage protection Legal costs covered Coverage from $1M to $20M+ Ideal For: Tradies Retailers Service providers Event organizers Learn More Get Quote Professional Indemnity Insurance Popular Coverage for professional errors, negligence, and breach of duty claims $25 per month from Key Features: Professional negligence coverage Error & omission protection Breach of confidentiality Retroactive coverage available Ideal For: Consultants Accountants Lawyers IT professionals Learn More Get Quote Tool & Equipment Insurance Specialized coverage for tools, equipment, and portable assets $12 per month from Key Features: Theft protection Accidental damage cover Worldwide coverage New for old replacement Ideal For: Tradies Builders Contractors Technicians Learn More Get Quote Cyber Insurance Protection against data breaches, cyber attacks, and digital risks $30 per month from Key Features: Data breach response Cyber attack recovery Business interruption Regulatory fines coverage Ideal For: Tech companies E-commerce Professional services Healthcare Learn More Get Quote Business Vehicle Insurance Comprehensive insurance for business-owned or operated vehicles $40 per month from Key Features: Comprehensive coverage Third party liability Fleet discounts available Business use cover Ideal For: Delivery services Transport companies Sales teams Service providers Learn More Get Quote Business Interruption Insurance Income protection when business operations are disrupted $20 per month from Key Features: Lost income coverage Ongoing expense protection Alternative accommodation Expediting costs Ideal For: Manufacturers Retailers Restaurants Professional services Learn More Get Quote Employer Liability Insurance Required Protection against employee injury and work-related illness claims $18 per month from Key Features: Employee injury coverage Work-related illness Legal defense costs Statutory requirements met Ideal For: All employers High-risk industries Manual labor Office workers Learn More Get Quote Combined Business Policy Popular Comprehensive package combining multiple insurance types $45 per month from Key Features: Multiple coverages combined Cost-effective package Single policy management Tailored to business needs Ideal For: Small businesses Startups Growing companies Multiple locations Learn More Get Quote Not sure which insurance you need? Our insurance experts can help you identify the right coverage for your business. Get personalized recommendations based on your industry and business size. Get Personalized Quotes Speak to an Expert Important Information Required Insurance: Employer Liability Insurance is legally required if you have employees in New Zealand. Industry-Specific Requirements: Some industries may have additional insurance requirements. Check with your industry body or regulator. Coverage Limits: Prices shown are indicative starting prices. Your actual premium will depend on your specific business risks and coverage needs. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/construction-insurance/ Construction Insurance NZ - Project & Site Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Construction Insurance NZ Project and site insurance for construction companies, project managers, and head contractors. Protect your works, plant, and people from site to completion. Get Free Quotes Compare Coverage Quick Quote Contract Works 0.2-0.8% of project Public Liability From $60/month Plant & Equipment From $40/month Typical Cost $150-500+/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances and project details. What Is Construction Insurance? Construction insurance is a collection of policies that protect building projects, the people working on them, and the businesses involved. Unlike standard business insurance, construction cover is often project-specific — arranged for the duration and value of a particular build. This page covers insurance for construction companies and project managers. If you are an individual builder or tradesperson, see our builder insurance guide . Construction vs Builder Insurance This page is for construction companies, project managers, and head contractors managing multi-trade projects. For individual Licensed Building Practitioners (LBPs), residential builders, and sole trader tradespeople, see insurance for builders . Contract Works Insurance Contract works insurance is the core construction policy. It covers physical loss or damage to the construction works themselves — from ground-breaking to handover. This is sometimes called "builders risk" or "course of construction" insurance. What's Typically Covered Construction works and materials on site Materials in transit to site Temporary works (scaffolding, formwork, shoring) Fire, storm, flood, and earthquake damage Theft and vandalism on site Accidental damage during construction Existing structures (if extension purchased) Professional fees for redesign after insured damage What's Typically Not Covered Defective design, materials, or workmanship (the defect itself) Normal wear and tear, gradual deterioration Consequential loss (delay penalties, lost revenue) Mechanical or electrical breakdown of plant Pre-existing damage to existing structures Penalties for late completion Damage from faulty soil conditions (unless specifically covered) War, terrorism, nuclear events Illustrative Example: Contract Works Claim A head contractor is building a $2.5 million commercial warehouse. During a severe storm, wind lifts partially-installed roofing panels, causing water damage to structural steelwork and interior fitout below. The cost to repair the damage and replace materials is $180,000. Contract works insurance covers the cost of repairing the storm damage and replacing ruined materials — subject to the policy excess. The head contractor does not need to fund repairs out of project margins. Illustrative example only. Actual coverage depends on policy terms and conditions. Construction All-Risk (CAR) Insurance CAR insurance is a broad-form policy that wraps contract works, third-party liability, and sometimes plant cover into a single policy. It is the standard construction insurance product for medium to large projects in New Zealand. Project-Specific CAR Arranged for a single project, covering all works from start to completion. The sum insured matches the total contract value (including materials, labour, and principal-supplied items). Best for: one-off projects, large builds, projects with specific risk profiles. Provides tailored cover for the project's unique characteristics. Annual CAR Policy Covers all construction projects undertaken during the policy year, up to a maximum individual project value. No need to arrange separate cover for each project. Best for: construction companies running multiple projects throughout the year. Simpler administration, but may have lower per-project limits. Principal-Controlled Insurance On large construction projects, the project owner (principal) may arrange a single insurance programme that covers all parties — the principal, head contractor, subcontractors, and consultants. This avoids gaps and overlaps between multiple individual policies. How It Works 1 The principal arranges a project-wide insurance programme — usually contract works, public liability, and professional indemnity — covering all parties involved in the project. 2 The cost is typically built into the project budget or deducted from contractor payments. Individual contractors may still need to maintain their own insurance for work outside the project. 3 Cross-liability waivers prevent insured parties from suing each other under the project insurance — reducing disputes and keeping the project moving. NZS 3910 Note: The NZS 3910:2013 standard conditions of contract for building and civil engineering construction set out insurance obligations for both principal and contractor. Under NZS 3910, the principal typically arranges contract works insurance while the contractor arranges public liability. Always check the specific contract for variations. Plant & Equipment Insurance Construction plant and equipment — cranes, excavators, scaffolding, generators, and specialised machinery — represents a significant capital investment. Plant insurance covers loss, damage, and breakdown of this equipment. Own Plant Covers your owned equipment — excavators, concrete pumps, generators, power tools. Replacement or repair cost if damaged, stolen, or destroyed on site or in transit. Hired Plant If you hire equipment, the rental agreement usually makes you liable for damage. Hired plant insurance covers your liability for damage to rented equipment while in your care. Breakdown Mechanical and electrical breakdown cover for construction plant. Covers repair or replacement when equipment fails due to internal causes — not just external damage. Read our guide to tool and equipment insurance → Construction Liability Insurance Construction sites are high-risk environments. Public liability insurance for construction covers bodily injury to third parties and damage to third-party property caused by your construction activities. Public Liability Covers injury to site visitors, neighbours, pedestrians, and damage to adjacent properties. Construction PL limits are typically $5-20 million due to the high potential for serious injury or property damage. Injury to members of the public near the site Damage to neighbouring properties (vibration, crane strikes) Damage to underground services (pipes, cables) Legal defence costs Cross-Liability for Subcontractors On multi-contractor sites, cross-liability provisions allow each insured party to claim against another under the same policy as if they had separate policies. This prevents subcontractors from being left uninsured when a co-contractor causes damage. Head contractors should ensure their liability policy includes subcontractor coverage or require subcontractors to hold their own insurance with adequate limits. Read our contractor insurance guide → NZ Building Act & Legal Requirements While construction insurance is not strictly mandated by law in New Zealand, several legislative requirements make it a practical necessity for any construction business. Building Act 2004 — 10-Year Liability Section 393 of the Building Act 2004 establishes a 10-year long-stop limitation period for civil proceedings related to building work. This means construction companies and contractors can face claims for defective work up to 10 years after the relevant act or omission. Run-off cover (maintaining insurance after project completion) is important for managing this long-tail risk. Health and Safety at Work Act 2015 Construction is classified as high-risk work under the Health and Safety at Work Act. PCBUs (Persons Conducting a Business or Undertaking) have a primary duty of care to ensure, so far as is reasonably practicable, the health and safety of workers and others affected by the work. Fines for breaches can reach $3 million for a body corporate. Statutory liability insurance covers fines and defence costs for unintentional breaches. Building Consent & Code Compliance Construction projects require building consents from the local council. The building consent authority may require evidence of insurance as part of the consent process — particularly for larger or higher-risk projects. Code compliance certificates (CCCs) are issued on completion, and any defects identified during inspection can trigger rectification costs that insurance may cover. Licensed Building Practitioner (LBP) Scheme Restricted building work must be carried out or supervised by Licensed Building Practitioners. While the LBP scheme does not require insurance, the Building Practitioners Board can discipline LBPs for negligent or incompetent work. Professional indemnity insurance helps cover the costs of defending disciplinary proceedings and any resulting claims. Indicative Pricing by Project Size Construction insurance costs are primarily driven by the total project value and the type of construction. Below are indicative costs for contract works insurance in New Zealand. Project Value Project Type Indicative Premium $100K-$300K Residential renovation $500-$1,500 $300K-$800K New residential build $1,200-$4,000 $800K-$2M Multi-unit residential / small commercial $3,000-$10,000 $2M-$5M Commercial / industrial $8,000-$25,000 $5M-$10M Large commercial $20,000-$50,000 $10M+ Major projects / infrastructure Broker-quoted Prices shown are indicative only for contract works insurance. Actual premiums depend on project type, location, duration, builder experience, and claims history. Public liability and other covers are additional. Related Insurance for Construction Businesses Construction insurance covers the project itself. But construction businesses also need general business insurance to cover their operations, staff, and vehicles outside of specific project cover. Builder Insurance Insurance for individual builders, LBPs, and small building firms. Public liability, tools, and professional indemnity. Tool Insurance Cover for tools and equipment — in your vehicle, on site, or in your workshop. Theft, damage, and breakdown. Contractor Insurance Liability and indemnity cover for subcontractors working on construction sites. Contract requirements and COC guidance. Business Vehicle Insurance Cover for utes, trucks, and commercial vehicles used in construction. Fleet options for larger operations. Employer Liability Cover for employment-related claims from staff. Top-up cover beyond ACC for workplace injuries and disputes. Business Interruption Lost income cover if your construction business is disrupted by an insured event — fire, natural disaster, or key supplier failure. Frequently Asked Questions Common questions about construction insurance in New Zealand. What is contract works insurance in New Zealand? Contract works insurance covers physical loss or damage to construction works during the course of a building project. This includes materials, labour costs, and works in progress — from site preparation through to project completion. It typically covers events like fire, storm, flood, theft, vandalism, and accidental damage. Most NZ construction contracts require the principal or head contractor to arrange contract works insurance for the full value of the project. Who is responsible for arranging construction insurance — the builder or the client? It depends on the contract. Under NZS 3910 (the standard NZ construction contract), the principal (project owner) is typically responsible for arranging contract works insurance, while the contractor arranges public liability insurance. However, many contracts modify this arrangement. In residential builds, the builder often arranges all insurance. Always check the specific contract terms — and get it in writing before work begins. What does construction all-risk (CAR) insurance cover? Construction all-risk insurance is a broad-form policy that covers physical loss or damage to the construction works, materials, temporary works, and often existing structures. It typically includes cover for fire, storm, flood, earthquake, theft, vandalism, accidental damage, and collapse. It usually excludes defective design, normal wear, consequential losses, and penalties for late completion. CAR can be arranged on a project-specific or annual basis. Do I need insurance for a renovation or extension project? Yes. Renovation and extension projects carry significant insurance risks because you are working on or near existing structures. Damage to the existing building — such as cracking foundations, water ingress, or fire — may not be covered by the homeowner's standard house insurance during construction. Contract works insurance for renovations should include cover for existing structures, which is typically an optional extension to the policy. How much does construction insurance cost in NZ? Construction insurance costs are typically calculated as a percentage of the project value. Contract works insurance generally costs between 0.2% and 0.8% of the total contract value, depending on the project type, location, and risk profile. A $500,000 residential build might cost $1,500-$3,000 for contract works cover. Larger or higher-risk commercial projects attract higher rates. These are indicative figures — actual premiums depend on the specific project details. What is the 10-year liability period under the NZ Building Act? Under section 393 of the Building Act 2004, civil proceedings relating to building work must be brought within 10 years of the act or omission that gave rise to the claim. This means builders, contractors, and construction companies can face claims up to 10 years after project completion. This long tail of liability makes it important to maintain insurance coverage — or arrange run-off cover — even after a project is finished or your business winds down. Get Construction Insurance Quotes Compare construction insurance options for your next project. Tell us about your build and we will find the right cover. Get Free Quotes Compare Coverage Advice provided by Evolve Group Limited (FSP711891). See our disclosure statement for details. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/contact/ Contact Us - Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Contact Us Get expert advice on your business insurance needs Get In Touch Email Phone 0800 BUSINESS (0800 287 463) Mon-Fri 9am-5pm NZST Location Auckland, New Zealand Serving all of NZ Quick Quote Form Fill out our quick quote form and we'll get back to you within 24 hours with personalized insurance recommendations. Start Your Quote Get Your Insurance Quote Ready to protect your business? Request a no-obligation quote — your dedicated adviser will be in touch within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/contractor-insurance/ Contractor Insurance NZ - Liability & Indemnity Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Contractor Insurance NZ Liability, indemnity, and business cover for independent contractors across New Zealand. Protect yourself from claims your client's policy won't cover. Get Free Quotes Compare Coverage Quick Quote Public Liability From $25/month Professional Indemnity From $30/month Statutory Liability From $10/month Typical Cost $40-200/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. What Insurance Do Contractors Need? The insurance you need as a contractor depends on your trade, the contracts you work under, and whether you employ staff. At a minimum, most contractors need public liability insurance. Many also need professional indemnity — especially if you provide advice, design, or technical services. Public Liability Essential Covers claims for bodily injury or property damage caused by your work. If you accidentally damage a client's property or a third party is injured at your work site, public liability responds. Required by most commercial contracts. Professional Indemnity Essential for advice/design Covers claims arising from errors, omissions, or negligent advice. Critical for IT contractors, engineers, architects, consultants, and anyone whose work product could cause a client financial loss. Statutory Liability Recommended Covers fines and legal costs from unintentional breaches of NZ legislation such as the Health and Safety at Work Act 2015. Particularly important if you work on construction sites or in hazardous environments. Business Interruption Optional Covers lost income if your business is disrupted by an insured event — such as a fire at your premises or a natural disaster preventing you from working. Relevant for contractors with fixed overheads or staff. ACC Does Not Cover Property Damage or Financial Loss ACC covers personal injuries only. It does not cover damage you cause to a client's property, financial losses from your errors, or your legal defence costs. Contractors need separate business insurance for these risks. Contractor vs Employee: Why You Need Your Own Cover One of the most common mistakes contractors make is assuming their client's insurance covers them. It does not. As an independent contractor, you are responsible for your own insurance — and your own liabilities. Coverage Employee Contractor Employer's public liability Employer's PI cover ACC levies paid by employer Statutory liability cover Personal assets protected NZ Employment Law Note: Inland Revenue applies a set of tests to determine whether a worker is genuinely a contractor or an employee. If you are found to be an employee in substance (regardless of what your contract says), your "client" becomes your employer and takes on employer obligations. However, this does not mean you are automatically covered by their insurance — the determination is separate. Always maintain your own cover. IT Contractor Insurance IT and technology contractors face unique risks. A software bug, data breach, or project failure can cause significant financial loss to your client — and professional indemnity insurance is your primary defence. Professional Indemnity Covers coding errors, project failures, missed deadlines, and negligent technical advice. Most IT contracts require $1-2M in PI cover. Cyber Liability Covers data breaches, privacy incidents, and cyber events. If you handle client data or have access to their systems, cyber liability is increasingly expected. Public Liability Covers property damage or injury at client premises. Even office-based IT contractors need this — tripping over cables, spilling coffee on a server, or damaging equipment. Illustrative Example: IT Contractor Claim An IT contractor deploys a software update to a client's e-commerce platform. The update contains a bug that takes the site offline for 48 hours during a peak trading period. In this illustrative scenario the client claims $85,000 in lost revenue and additional costs to fix the issue. With professional indemnity insurance, the contractor's insurer covers the legal defence costs and any settlement or judgment — up to the policy limit. Without insurance, the contractor would face this claim personally. Illustrative example only. Actual coverage depends on policy terms and conditions. Construction Contractors Construction contractors face higher physical risks and typically need more comprehensive cover than office-based contractors. Public liability limits of $2-5 million are standard, and contract works insurance may also be required. What Construction Contractors Need Public liability ($2M-$10M depending on contract) Contract works / builders risk insurance Tools and equipment cover Statutory liability (Health and Safety at Work Act) Motor vehicle insurance for work vehicles NZ Building Act Considerations Under the Building Act 2004, contractors performing restricted building work must be Licensed Building Practitioners (LBPs). While insurance is not a legal requirement for LBPs, it is a practical necessity. The 10-year liability period under the Building Act means claims can arise long after a project is completed. Run-off cover (which extends your PI insurance after you stop trading) is worth considering. Builder insurance guide → Construction project insurance → Contract Requirements: What Clients Expect Before engaging a contractor, most NZ businesses require proof of insurance. Here is what you will typically be asked to provide — and the cover limits clients expect. Certificate of Currency (COC) A COC is a document from your insurer confirming you hold active insurance, the type of cover, and the policy limits. Most clients will request a COC before signing a contract. Your insurer or broker can issue one — usually free of charge and within 24 hours. Typical Cover Limits by Client Type Client Type Public Liability Professional Indemnity Small business $1M $500K-$1M Medium business / corporate $2M-$5M $1M-$2M Government / local council $5M-$10M $2M-$5M Construction / infrastructure $5M-$20M $2M-$10M Indicative Pricing by Contractor Type Contractor insurance costs vary significantly by trade and risk profile. Below are indicative monthly premiums for common contractor types in New Zealand. Contractor Type Key Covers Indicative Cost IT / Software Contractor PI + PL + Cyber $40-$80/month Building Subcontractor PL + Tools + Statutory $80-$200/month Cleaning Contractor PL + Equipment $30-$60/month Consulting Contractor PI + PL $35-$70/month Trades Contractor (Electrical/Plumbing) PL + Tools + Statutory $60-$150/month Prices shown are indicative only. Actual premiums depend on revenue, cover limits, claims history, and specific business circumstances. Sole Trader vs Company: Insurance Differences Your business structure affects your insurance needs — particularly your personal exposure to risk. Sole Trader Contractors As a sole trader, there is no legal separation between you and your business. If your business is sued, your personal assets — home, car, savings — are at risk. Insurance is arguably more important for sole traders than for company operators. Personal assets at risk in a claim No corporate veil protection Typically lower premiums (lower revenue) Simpler policy structures Company Contractors Operating through a limited company provides some personal asset protection. However, directors can still be held personally liable in certain situations — and most clients still require the company to hold insurance. Limited liability protects personal assets (usually) Directors can still face personal claims May need directors & officers (D&O) cover Higher premiums if company has employees Read our full guide to sole trader insurance → Frequently Asked Questions Common questions about contractor insurance in New Zealand. Do contractors need their own insurance in New Zealand? Yes. Unlike employees, contractors are not covered by their client's insurance policies. If you cause damage or a third party is injured because of your work, you are personally liable. Most commercial contracts in NZ require contractors to hold public liability and often professional indemnity insurance before work can begin. ACC covers personal injuries but does not cover property damage, financial loss claims, or legal defence costs. What insurance do IT contractors need in NZ? IT contractors typically need professional indemnity insurance (covers claims from coding errors, data loss, project failures, or bad advice), public liability insurance (covers physical injury or property damage at client sites), and cyber liability insurance (covers data breaches and privacy incidents). Most IT contracts in NZ require $1-2 million in professional indemnity cover. If you handle sensitive data, cyber liability is increasingly expected. How much does contractor insurance cost in NZ? Contractor insurance costs vary by trade and risk level. IT and consulting contractors typically pay $40-$80/month for a combined public liability and professional indemnity package. Trades contractors (builders, electricians, plumbers) pay more — typically $80-$200/month — due to higher physical risk. Cleaning and maintenance contractors usually pay $30-$60/month. Prices are indicative and depend on revenue, cover limits, and claims history. What is the difference between contractor insurance and employee insurance? Employees are covered by their employer's insurance policies, ACC levies, and statutory protections. Contractors must arrange and pay for their own insurance. If you operate as an independent contractor — whether sole trader or through a company — you need your own public liability, professional indemnity, and potentially statutory liability cover. Your client's policy will not extend to cover your negligence or errors. What public liability limit do clients typically require from contractors? In New Zealand, most commercial contracts require contractors to hold $1 million to $5 million in public liability cover. Government contracts and large corporates often require $5 million or $10 million. The required limit depends on the nature of the work and the potential for damage. Construction and trades contractors are typically required to carry higher limits than office-based consultants or IT contractors. Can I get contractor insurance as a sole trader? Yes. Most NZ insurers offer policies for sole trader contractors. You do not need to operate through a company to get public liability or professional indemnity insurance. In fact, sole traders arguably need insurance more than company operators because there is no corporate veil — your personal assets are at risk if you are sued as a sole trader. Premiums for sole traders are typically lower due to smaller revenue and fewer employees. Get Contractor Insurance Quotes Compare quotes from NZ insurers. Tell us about your contracting work and we will find the right cover for your situation. Get Free Quotes Compare Coverage Advice provided by Evolve Group Limited (FSP711891). See our disclosure statement for details. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/cyber-insurance/ Cyber Insurance NZ 2026 — Data Breach, Ransomware & Privacy Act 2020 Cover for Business SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Cyber Insurance NZ First-party recovery, third-party liability, ransomware response and Privacy Act 2020 breach-notification cover, arranged by a licensed NZ adviser. Indicative cost $30–$200 per month for a NZ small business, indicative. Cost depends on revenue, customer-data volume, and existing controls (MFA, backups, EDR). Privacy Act 2020 notification + forensic response are the typical first-party drivers. Cyber insurance funds the response to a cyber incident — forensic investigation, system rebuild, customer notification, lost revenue during downtime, claims by affected parties, regulatory work. For most NZ businesses with any digital footprint (card payments, customer records, cloud accounting, a booking system, email-driven workflow) the exposure is non-trivial. The relevant questions are usually 'what does the policy actually cover' and 'what controls are required to keep cover in force' — both of which vary materially across the market. The NZ cyber-incident landscape CERT NZ — the government cybersecurity response team — publishes quarterly incident reports that show the actual pattern of attacks on NZ businesses. The recurring top-three reported incident types are: Phishing and credential harvesting: Targeted email attacks to capture login credentials, often as a precursor to business email compromise or unauthorised access Business email compromise (BEC): Attackers gain control of business email, impersonate executives or vendors, and divert payments. Often the highest-loss incident type for SMEs Ransomware and unauthorised access: Encryption-for-ransom and broader unauthorised access. Smaller share by count than BEC but the per-incident response cost is high Free resources for NZ small business: CERT NZ's small business guides cover the baseline controls insurers typically expect. The Office of the Privacy Commissioner publishes guidance on Privacy Act 2020 breach-notification obligations. What cyber insurance typically covers First-party cover (your own recovery costs) Forensic investigation: Specialist incident-response work to determine how an attack happened, what was compromised, and how to restore systems safely System restoration: Rebuilding systems, restoring data, hardening against repeat attack Business interruption: Lost revenue and continuing fixed costs during system downtime caused by an insured cyber event Data restoration: Cost of recreating lost data — including from backup if recoverable, or from scratch if not Ransomware response: Negotiator, forensic, and (subject to wording, sanctions checks and insurer approval) the ransom itself Customer notification: Cost of identifying affected individuals and complying with Privacy Act 2020 notification PR and reputation: Communications work during and after the incident Third-party cover (claims by others) Privacy liability: Claims by customers, employees or other parties whose data was compromised Regulatory investigation: Cost of responding to Privacy Commissioner or other regulator investigations Fines and penalties: Subject to wording and NZ law on insurability — some insurers cover where lawful, some exclude entirely Network security liability: Claims arising from a security failure that affected third parties (e.g. your compromised system transmitted malware to a customer) Media liability: Defamation, IP infringement, and similar claims arising from your digital content Cyber insurance vs other commercial covers vs general business contents: Contents covers physical damage to hardware; cyber covers the data and digital systems themselves. A fire destroys hardware (contents responds); a ransomware attack encrypts data (cyber responds). vs business interruption: Standard BI usually requires physical damage as a trigger. Most modern BI wordings exclude cyber-driven interruption. Cyber-specific business interruption (under a cyber policy) fills the gap. vs professional indemnity: PI responds to claims arising from your advice or professional services. A breach of a customer's data is usually a cyber-policy event, but if the breach was caused by negligent advice, PI may also respond — modern policies coordinate. vs management liability: Management liability covers directors' and officers' decisions. If a director is sued personally over a cyber-incident response, ML responds; the company-level cyber claim is the cyber policy. Controls insurers typically expect Cyber insurers increasingly require evidence of basic security controls before binding cover — and may exclude or reduce claims where these controls were absent at the time of an incident. Common minimum expectations: Multi-factor authentication (MFA): On email, remote access, and admin accounts. Often mandatory. Endpoint detection and response (EDR) / managed antivirus: Modern endpoint security on all business devices Patching cadence: Operating systems and key applications kept current Backups: Regular, tested, and isolated from the production environment (the 3-2-1 rule is a common baseline) Employee security awareness: Basic training, particularly around phishing recognition Incident response plan: Documented response and escalation path Insurers vary on which of these are strict requirements versus nice-to-haves; the proposal form will list what your specific insurer expects. Honest disclosure on the proposal matters — misrepresentation can void cover. Industries we commonly arrange cyber cover for Professional services (advice, financial, legal-adjacent, design) Tech, software and SaaS Healthcare and allied health (Privacy Act sensitivity is high) Retail and e-commerce (card payment exposure) Hospitality (booking and POS systems, customer data) Education and training providers Manufacturing (operational-technology and supply-chain exposure) For the broader cover picture, see our small business insurance guide, insurance for tech startups , and insurance for e-commerce . For the Privacy Act 2020 context, the Office of the Privacy Commissioner publishes free guidance. Frequently asked questions What does cyber insurance cover? Cyber policies typically cover two sides — first-party costs (your own recovery: forensic investigation, system restoration, data recreation, customer-notification, PR, ransomware response, business interruption) and third-party liability (claims by customers, regulators or other affected parties). The mix varies materially by insurer and wording — see the cover breakdown below. Is cyber insurance worth it for a small business? Most NZ small businesses with any digital footprint carry meaningful cyber exposure. CERT NZ's quarterly reports consistently rank business email compromise (BEC), unauthorised access and ransomware as the most-reported incident types. A small policy can fund forensic investigation, customer notification under the Privacy Act 2020, and lost-revenue cover during system downtime — costs that materially exceed the policy premium even for a modest incident. Does cyber insurance cover Privacy Act 2020 breach notifications? Yes — most modern NZ cyber policies include cover for the costs of complying with the Privacy Act 2020 notifiable-privacy-breach obligations (notifying the Privacy Commissioner, notifying affected individuals, public-communications work). Some also cover the cost of regulatory investigation and any reinstated fines or penalties (subject to wording and NZ law on insurability). Does cyber insurance pay ransomware demands? Most NZ cyber policies will fund ransomware response (negotiator, forensic, system rebuild), and some will fund the ransom payment itself — but subject to specific approval, sanctions screening, and the insurer's anti-financial-crime checks. Wording is genuinely diverse on this point and changing in real time as the regulatory environment evolves. Read the policy wording specifically. What does cyber insurance not cover? Common exclusions: prior-known incidents (acts before policy inception), war and nation-state attacks (some policies cover, some exclude), bodily injury (other policies handle this), property damage caused by cyber (depending on wording, sometimes covered, sometimes excluded), fines and penalties uninsurable under NZ law, and breaches arising from non-compliance with basic security controls (some policies make MFA mandatory). What about cloud and supply-chain exposure? Cyber policies usually respond to incidents involving your IT environment, including cloud services you use. Supply-chain incidents (your vendor's breach affecting you) are handled differently by different insurers — some include outright, some via a 'dependent business interruption' extension, some exclude. Worth confirming if your business is dependent on a single SaaS provider or cloud platform. Get cyber insurance quotes Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/disclaimer/ Disclaimer - Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Disclaimer Important information about our service Last updated: April 2026 General Information Only The information provided on SmallBusinessInsurance.co.nz is for general informational purposes only and does not constitute personalised financial advice. While we make reasonable efforts to ensure the accuracy of the information, we do not guarantee that it is complete, current, or suitable for your specific circumstances. Insurance products, premiums, terms, and availability may change at any time without notice. Always confirm details directly with the insurance provider before making any decisions. About Evolve Group Limited This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register. Personalised financial advice is provided by Evolve Group Limited's licensed advisers, who are regulated under the Financial Markets Conduct Act 2013. When you submit an enquiry, the primary Evolve adviser (Nevil Chand, FSP501687) will make initial contact by email to gather information and confirm scope. Referral to Blanket Advice Limited Where your enquiry concerns business insurance, Evolve Group Limited refers your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider. Blanket Advice Limited will then provide the regulated financial advice in respect of your business insurance enquiry and obtain quotes from their panel of insurers. Blanket Advice Limited is registered on the Financial Service Providers Register . Their disclosure statement is available at blanket.co.nz/blanket-advice-limited-disclosure . No Guarantee of Quotes or Coverage Submitting a quote request does not guarantee that you will receive a quote, that coverage will be offered, or that specific terms or pricing will be available. All insurance products are subject to the relevant insurer's underwriting criteria, terms, and conditions. We do not guarantee savings, coverage levels, or specific outcomes from using our service. 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SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/employer-liability-insurance/ Employer Liability Insurance NZ 2026 — Cover Employment Claims Outside ACC SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Employer Liability Insurance NZ Cover for employment claims ACC does not cover — exemplary damages, stress and harassment claims, and legal defence costs under NZ employment law. Indicative cost $35–$120 per month for a NZ small business, indicative. Cost depends on number of employees, claims history, and limit chosen. Sits alongside ACC (personal injury) and Statutory Liability (HSWA prosecutions). Get Free Quotes Compare Coverage What Is Employer Liability Insurance? Employer liability insurance protects your business against civil claims made by employees (or former employees) for work-related injury, illness, or harm. It covers the legal costs of defending these claims and any compensation or damages awarded. In New Zealand, many business owners assume that ACC provides complete protection against employee injury claims. While ACC does cover personal injury treatment, rehabilitation, and lost wages for the injured employee, it does not prevent employees from pursuing civil claims against their employer for additional compensation. Employees can still sue for exemplary damages (punitive awards for reckless or negligent employer conduct), compensation for stress, harassment, and bullying (which ACC does not cover), and losses arising from gradual process injuries that may not be accepted by ACC. Employer liability insurance is closely related to — but distinct from — statutory liability insurance. While employer liability covers civil claims from employees, statutory liability covers fines and defence costs from regulatory prosecutions, particularly under the Health and Safety at Work Act 2015. Many businesses carry both. What Does Employer Liability Insurance Cover? Exemplary Damages Claims Covers claims where an employee seeks punitive damages beyond what ACC provides. Courts can award exemplary damages when an employer's conduct is found to be reckless or grossly negligent. Illustrative example: an employee injured by faulty equipment the employer knew was defective sues for exemplary damages. Stress and Harassment Claims Covers claims from employees alleging work-related stress, bullying, or harassment. These claims fall outside ACC's scope because they involve mental harm rather than physical personal injury. Illustrative example: a long-term employee claims psychological harm from sustained workplace bullying. Legal Defence Costs Covers solicitor fees, barrister costs, court costs, and expert witness fees when defending an employee's claim. Legal defence costs alone can run into tens of thousands of dollars, even for claims that are ultimately unsuccessful. Gradual Process Injury Covers claims for injuries that develop gradually over time through repeated exposure — such as hearing loss from noise, respiratory conditions from dust, or repetitive strain injuries. ACC coverage for gradual process claims can be complex and is sometimes declined. Employment Disputes Some policies extend to cover claims arising from wrongful dismissal, constructive dismissal, or discrimination that result in personal grievance claims through the Employment Relations Authority or Employment Court. Contractor Claims Many policies can be extended to cover claims from independent contractors working under your direction, particularly important given the risk of contractor/employee misclassification under NZ employment law. What's NOT Covered by Employer Liability Insurance WorkSafe NZ fines and prosecutions — regulatory penalties under the Health and Safety at Work Act 2015 require separate statutory liability insurance ACC levies and contributions — your ACC obligations as an employer are separate and mandatory regardless of insurance Intentional or criminal acts — deliberate harm to employees is excluded. Insurance does not cover wilful or criminal conduct by the employer Third-party claims — claims from members of the public or customers are covered by public liability insurance , not employer liability Known pre-existing issues — claims arising from hazards you were aware of and failed to address before taking out the policy may be excluded Employment relationship problems (wage disputes) — pure wage or entitlement disputes are employment law matters, not insurable liability events How Much Does Employer Liability Insurance Cost in NZ? Premiums are primarily driven by your number of employees, industry risk, and claims history. Below are indicative monthly premium ranges for common business types. Actual premiums vary — your insurer will assess your specific circumstances. Business Type Employees Indicative Monthly Cost Office-based business 1 - 5 $25 - $45/month Retail or hospitality 5 - 15 $35 - $70/month Trade business (builder, plumber) 1 - 10 $40 - $80/month Manufacturing / warehouse 10 - 30 $60 - $130/month Construction company 10 - 50 $80 - $200/month Professional services firm 5 - 20 $30 - $65/month Factors That Affect Your Premium - Number of employees: More employees means more exposure. Premiums increase with headcount - Industry risk level: Construction, manufacturing, and agricultural businesses pay higher premiums than office-based businesses due to greater physical risk - Claims history: Previous employee claims, WorkSafe notices, or a history of workplace incidents will increase your premium - Coverage limit: Higher policy limits (e.g., $2M vs $500K) cost more but provide greater protection for serious claims - Health and safety systems: Businesses with documented H&S policies, training records, and hazard management systems may qualify for lower premiums - Use of contractors: If you regularly engage contractors, extending coverage to include them will affect the premium Who Needs Employer Liability Insurance? Any business that employs staff — whether full-time, part-time, casual, or seasonal — should carry employer liability insurance. If you engage contractors who work under your direction and control, you should also consider whether they could be reclassified as employees, which would expose you to the same risks. The following types of businesses are particularly exposed: Builders and construction firms Manufacturing and processing Farms and agricultural businesses Cafes, restaurants, and bars Retail shops with staff Warehousing and logistics Cleaning companies Healthcare and aged care Childcare centres Automotive and mechanical workshops Landscaping and arborist services Any business with employees Is Employer Liability Insurance Legally Required in NZ? Employer liability insurance is not legally mandatory in New Zealand. Unlike the UK (where employers' liability insurance is compulsory for most businesses with employees), NZ relies on the ACC scheme as the primary safety net for workplace injuries. However, ACC has significant gaps that leave employers exposed: ACC does not prevent civil lawsuits While ACC's no-fault scheme bars most personal injury claims, employees can still sue for exemplary damages under the Accident Compensation Act 2001, s319. If a court finds the employer's conduct was sufficiently reckless or negligent, exemplary damages can be awarded on top of ACC entitlements. Mental harm and stress are not ACC-covered ACC covers "personal injury" which is defined as physical injuries and certain mental injuries caused by specific events. Gradual-onset stress, burnout, anxiety from workplace bullying, and harassment-related psychological harm generally fall outside ACC's coverage. Employees can pursue these claims through the Employment Relations Authority or the courts. Health and Safety at Work Act 2015 The HSWA imposes duties on every PCBU (Person Conducting a Business or Undertaking) to ensure the health and safety of workers. WorkSafe NZ actively prosecutes businesses that fail to meet these duties. While statutory liability insurance covers the fines, employer liability insurance covers the associated civil claims from affected employees. Contract and tender requirements Many principal contractors and clients require subcontractors to hold employer liability insurance as a condition of engagement. Government procurement processes may also require evidence of employer liability cover. Employer Liability vs Statutory Liability — Key Differences These are related but distinct coverages. Many businesses need both: Employer Liability Statutory Liability Covers Civil claims from employees Fines and penalties from regulators Triggered by Employee lawsuit or claim WorkSafe or other regulator prosecution Pays for Damages + legal defence Fines + legal defence Key legislation Employment Relations Act 2000 Health and Safety at Work Act 2015 WorkSafe NZ Prosecutions and Your Exposure WorkSafe New Zealand is the primary workplace health and safety regulator. It actively investigates workplace incidents and can prosecute businesses and individual officers who fail to meet their duties under the Health and Safety at Work Act 2015. Understanding the penalties helps illustrate why employer liability and statutory liability insurance are important: Reckless conduct (s47 HSWA) Up to $3M fine Reckless conduct in respect of a duty that exposes an individual to a risk of death or serious injury. Individuals can face up to 5 years imprisonment. Failure exposing to serious risk (s48 HSWA) Up to $1.5M fine Failing to comply with a health and safety duty that exposes any individual to a risk of death or serious injury or serious illness. Failure to comply with duty (s49 HSWA) Up to $500K fine Failing to comply with a health and safety duty where the failure does not expose any individual to a risk of death, serious injury, or serious illness. Note: Statutory liability insurance covers fines and defence costs for regulatory prosecutions. Employer liability insurance covers the separate civil claims that employees may bring in addition to any regulatory action. Reducing Your Employer Liability Risk While employer liability insurance protects you financially, preventing claims in the first place is always better. Businesses with strong health and safety systems and good employment practices face fewer claims and may qualify for lower premiums. 1 Maintain documented H&S policies Under the HSWA, every PCBU must have documented health and safety policies. These should include hazard identification, risk assessment, incident reporting procedures, and emergency plans. Review and update them regularly. 2 Provide regular training Ensure all workers (including contractors) receive appropriate health and safety training for their role. Keep training records — they are critical evidence if a claim or prosecution arises. 3 Address bullying and harassment proactively Have a clear anti-bullying and harassment policy. Provide a confidential reporting mechanism. Investigate complaints promptly and document your response. Stress and harassment claims are among the fastest-growing areas of employer liability. 4 Follow proper employment processes Use written employment agreements, follow fair disciplinary and dismissal procedures, and comply with the Employment Relations Act 2000. Many employer liability claims arise from procedural failures rather than the underlying decision. 5 Monitor and manage health risks For industries with exposure risks (noise, dust, chemicals, repetitive movements), implement health monitoring programmes. Early detection and intervention reduces the likelihood of gradual process injury claims. Related Insurance Types for Employers Employer liability insurance is one part of a broader insurance programme for businesses with employees. Consider these related coverages: Statutory Liability Insurance Covers fines and legal defence costs from WorkSafe NZ prosecutions under the HSWA and other legislation. Complements employer liability by covering the regulatory side while employer liability covers the civil (employee claim) side. Public Liability Insurance Covers claims from third parties (customers, public) for injury or property damage. While employer liability covers employee claims, public liability covers everyone else. Professional Indemnity Insurance Covers claims arising from professional advice errors. Relevant if your employees provide professional advice to clients and an error leads to a client loss. Combined Business Policy Bundles multiple coverages — including employer liability, public liability, and statutory liability — into a single policy. Often the most cost-effective approach for small to medium businesses. Coverage Levels — How Much Do You Need? Employer liability insurance is typically available in coverage levels from $500,000 to $5 million. The right level depends on your number of employees, industry risk, and the potential severity of claims: - $500,000: May be sufficient for very small, low-risk businesses with 1-3 office-based employees - $1,000,000: The most commonly selected level for small businesses with up to 10 employees - $2,000,000 - $5,000,000: Appropriate for businesses with larger teams, higher-risk industries, or significant contractual requirements Your insurance adviser can help you determine the appropriate coverage level based on your specific risk profile and contractual obligations. Frequently Asked Questions What is employer liability insurance? Employer liability insurance protects your business against claims made by employees for work-related injury, illness, or harm that falls outside what ACC covers. In New Zealand, ACC covers personal injury treatment and rehabilitation costs, but employees can still sue employers for exemplary damages, stress and harassment claims, and losses that ACC does not compensate. How much does employer liability insurance cost in NZ? Employer liability insurance in New Zealand typically costs between $25 and $80 per month for small businesses with 1 to 10 employees. Premiums depend on your number of employees, industry risk level, claims history, and the coverage limit you choose. High-risk industries like construction and manufacturing pay more than office-based businesses. What is the difference between employer liability and statutory liability insurance? Employer liability insurance covers civil claims from employees — such as lawsuits for exemplary damages or stress-related harm. Statutory liability insurance covers fines and penalties imposed by regulators like WorkSafe NZ under legislation such as the Health and Safety at Work Act 2015. Many businesses need both, as they protect against different types of liability. Does ACC replace employer liability insurance? No. ACC covers the injured employee's medical treatment, rehabilitation, and lost wages. However, ACC does not prevent employees from suing employers for exemplary damages, nor does it cover claims for stress, harassment, bullying, or gradual process injuries that fall outside ACC's personal injury definition. Employer liability insurance fills these gaps. Do I need employer liability insurance for contractors? If you engage contractors who could be reclassified as employees under New Zealand employment law, you may face the same liability exposure as you would with employees. Many employer liability policies can be extended to cover contractors working under your direction. Given that contractor vs employee status is frequently disputed in NZ, having cover is prudent. What are WorkSafe NZ fines for health and safety breaches? Under the Health and Safety at Work Act 2015, fines can be substantial. For a PCBU (Person Conducting a Business or Undertaking), maximum fines are $3 million for reckless conduct causing death or serious injury, $1.5 million for failing to comply with a duty that exposes a person to risk of death or serious injury, and $500,000 for failing to comply with a duty. Individual officers can also face personal fines and imprisonment. Get Your Employer Liability Insurance Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/get-quotes/ Get Business Insurance Quotes Online - Free & Fast | Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes What type of business do you have? This helps us find the right insurance for you Sole Trader Working independently Small Business 2-20 employees Medium Business 21+ employees Secure & Private 24hr Response No Obligations Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority. © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer --- ### https://smallbusinessinsurance.co.nz/guides/acc-vs-employer-liability-insurance-nz/ ACC vs Employer Liability Insurance — Where the Gap Sits in NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides » ACC vs Employer Liability Insurance ACC vs Employer Liability Insurance ACC covers no-fault personal injury treatment. Everything else an injured worker can claim — exemplary damages, stress, harassment, gradual process — is the gap employer liability fills. Published 19 May 2026. General information for New Zealand businesses, not personalised legal or financial advice. The myth: "ACC handles everything" Many NZ business owners assume the Accident Compensation scheme makes employer liability insurance unnecessary. The reasoning sounds sensible: ACC is universal, no-fault, and bars personal-injury suits. If a worker is hurt at work, ACC pays — end of story. This is wrong in two important ways. First, ACC's bar on suits applies only to compensatory damages for personal injury the scheme covers — it does not bar exemplary damages, claims for harm outside the personal-injury definition, or employment-jurisdiction claims. Second, even within ACC's domain, the scheme's caps and exclusions leave material residual exposure that employees can and do litigate. What ACC actually does — and the statutory bar The Accident Compensation scheme is governed by the Accident Compensation Act 2001 . ACC provides cover for: Personal injury caused by accident Work-related gradual-process injury (within a defined category) Treatment injuries (sustained while receiving medical treatment) Mental injury arising from a specified work-related sudden event or sexual abuse Cover includes treatment costs, rehabilitation, weekly compensation for lost earnings, and lump sums for permanent impairment. ACC is funded by employer levies (paid to ACC, separate from insurance), earner levies (PAYE), motor vehicle levies, and the earner premium for self-employed people. Section 317 of the Act imposes the statutory bar : where the injury is covered by ACC, no person can bring proceedings in any New Zealand court for compensatory damages arising directly or indirectly out of that personal injury. This is the source of the "you can't sue for workplace injury in NZ" belief — and it is correct, as far as it goes. What the statutory bar does NOT cover The bar is narrower than most owners assume: 1. Exemplary damages Section 319 expressly preserves the right to claim exemplary damages, even where ACC covers the underlying injury. Exemplary damages are awarded by the court to punish particularly bad conduct — not to compensate. NZ courts have awarded exemplary damages against employers in workplace fatality cases where management knew of a serious risk and failed to act. The amounts vary case by case; the defence cost is reliably substantial. Employer liability insurance is the standard NZ product covering this exposure. 2. Harm outside the personal-injury definition The bar applies to "personal injury" as defined in the Act. Many types of workplace harm don't meet the definition: Pure economic loss (loss of opportunity, lost income outside ACC's weekly comp scheme) Defamation Privacy breaches Discrimination Harassment not amounting to assault or to mental injury within ACC's definition An employee suing for any of these is unaffected by the ACC bar. The civil exposure is real. 3. Mental injury — narrow ACC cover, wide residual ACC covers mental injury only where it arises from a "work-related sudden event" or sexual abuse — sections 21 and 21B of the Act. This excludes the vast majority of stress, anxiety, depression and burnout cases that arise from chronic workplace conditions rather than a single triggering event. Where ACC declines, the employee can sue. Stress claims and bullying claims are now the most-frequent employer liability triggers in NZ. 4. Gradual-process injury — narrow ACC cover Gradual-process work-related personal injury is covered by ACC only where it meets a specific multi-part test in section 30 of the Act. Conditions that don't meet the test (and there are many) can be litigated outside ACC. 5. Overseas-employed workers ACC's coverage is geographically tied to NZ. A worker injured while temporarily working overseas may have limited ACC cover and is more likely to pursue civil proceedings — which employer liability cover responds to. 6. Employment Relations Act claims Personal grievance claims under the Employment Relations Act 2000 (unjustified dismissal, unjustified disadvantage, discrimination) are entirely outside ACC. These are heard in the Employment Relations Authority and Employment Court. Compensation for hurt and humiliation under section 123(1)(c)(i) sits alongside ACC, not within it. What employer liability insurance actually does A typical NZ employer liability wording responds to civil claims by workers, including: Exemplary damages awarded by the court Civil claims for stress, harassment, bullying where outside ACC Civil claims for gradual-process conditions outside ACC Claims for mental injury outside the ACC sudden-event definition Defence costs across all of the above Some policies extend to certain Employment Relations Act exposures — check the wording Policies are typically issued on a "claims made" basis — the cover responds to claims made during the policy period, regardless of when the underlying conduct happened. This is materially different from public liability (often occurrence-based) and is the most common confusion at renewal. How ACC, employer liability and statutory liability stack on a real incident Consider a workplace incident producing serious injury to a worker. The financial responses might be: ACC — pays treatment, rehabilitation, weekly comp for lost earnings, and lump sum for permanent impairment WorkSafe — investigates, potentially prosecutes under HSWA 2015 → statutory liability insurance pays defence costs, reparation orders Worker — sues for exemplary damages because management knew of the risk → employer liability insurance pays defence costs and any award Visitor / contractor on site at the time — sues for property damage or third-party harm → public liability insurance pays One incident, four separate financial responses. ACC handles the worker's medical and rehab; the three private insurance products handle everything else. A business carrying only ACC levies and no commercial liability cover has the medical-and-rehab line addressed and four other lines exposed. Common purchase patterns NZ small businesses with workers typically carry a combined liability package that bundles public, employer and statutory liability into a single annual renewal. This is for two reasons: (a) the same incident commonly triggers two or three of the three covers, so claims handling is simpler with one insurer; (b) the policies are designed to dovetail without coverage gap. Where the business doesn't have workers, only public liability is structurally on the table — though many sole traders still elect employer liability to cover contractor exposure and to address the future hiring scenario without re-underwriting. Recordkeeping that helps both ACC and employer liability Hazard / risk register — central to demonstrating HSWA section-36 due diligence and to ACC's work-injury treatment decisions Incident and near-miss log — contemporaneous evidence that supports both ACC claims and any civil defence Training records and inductions — central to defending exemplary-damages claims (which require showing the employer knew of and disregarded the risk) Officer / management meeting minutes referring to safety — supports the section-44 officer due-diligence defence Workplace policies on harassment, bullying, drug and alcohol, working hours — first-line defence for stress and harassment civil claims Quick FAQ If ACC covers the injury, why is there any civil claim left? Because the ACC bar only stops compensatory damages for personal injury. Exemplary damages, claims for non-injury harm, and Employment Relations Act claims all sit outside the bar and can proceed. Are exemplary damages common in NZ workplace cases? They are well-established in the case law and arise reliably after serious workplace events involving evidence of management awareness of the risk. Frequency is low compared to general civil claims, but defence cost is reliable and award size is unpredictable. Does employer liability cover claims by contractors? Most NZ wordings extend cover to "workers" defined broadly enough to include contractors working under your direction. The Employment Relations Authority's tendency to re-characterise contractors as employees is one reason this extension matters — without it, a reclassified worker can sue with no cover responding. Confirm the contractor extension is in your wording. How is the premium calculated? Underwriters use payroll, industry classification (similar to ACC's classification), claims history, the number of workers, and the nature of the work activity. Office-based businesses sit on lower rates; construction, manufacturing and hospitality sit on higher rates. Primary sources cited in this guide ACC — What we cover ACC — For business Accident Compensation Act 2001 — full text ACA 2001 section 317 — bar on proceedings ACA 2001 section 319 — exemplary damages preserved Health and Safety at Work Act 2015 Disclaimer: This article is general information for New Zealand businesses and not personalised legal or financial advice. The interplay between ACC, employer liability and statutory liability is fact-specific. Consult the primary sources linked above, a workplace lawyer, or a licensed insurance adviser for your specific situation. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891). Compare employer + statutory + public liability ACC handles the medical side. The civil and regulatory exposures stack separately. Compare combined liability cover from Evolve Group's NZ insurer panel — free, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/guides/icnz-fair-insurance-code-for-business/ ICNZ Fair Insurance Code — Your Business Policyholder Rights in NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides » ICNZ Fair Insurance Code for Business ICNZ Fair Insurance Code — Your Business Policyholder Rights What the Insurance Council of New Zealand's Fair Insurance Code commits member insurers to — and how to use it when a business claim runs into trouble. Published 19 May 2026. General information for New Zealand businesses, not personalised legal or financial advice. What the Code is, in one paragraph The Fair Insurance Code is the Insurance Council of New Zealand's industry self-regulatory code. ICNZ is the body representing general insurers in NZ, and most of the names you'll recognise on a business insurance comparison are members — Vero, IAG (NZI, State, AMI), Tower, FMG, AIG, QBE, Chubb, Zurich, MAS, AA Insurance, Ando and others. The Code sets the standards member insurers commit to in dealing with policyholders — applications, underwriting, claims handling, complaints, communications. It is not a statute, but it is enforceable through dispute resolution schemes (FSCL, IFSO) and admissible in court. Read the current version on the ICNZ website directly — this guide is a navigation aid. The core promises in the Code The Code is structured around the moments a policyholder interacts with an insurer. The promises sit at each moment: 1. Buying a policy The insurer will provide information in plain language so the policyholder can make an informed decision The insurer will tell the policyholder about the duty of disclosure and explain what's expected Any questions on the application form must be relevant to underwriting Underwriting decisions must be based on relevant, accurate information For business policyholders this matters at every renewal. The "material non-disclosure" decline reason is the single most common dispute pattern in NZ commercial insurance — answer every question accurately, keep records of what you disclosed, and re-disclose changes during the policy period. 2. Documents and communication Policy documents will be made available in a clear, accessible format Changes to the policy must be notified in writing The insurer will respond to enquiries in a reasonable time Renewal terms will be sent in advance, allowing the policyholder to compare and choose For commercial policies, this includes the policy schedule, the policy wording, any endorsements, and any subsequent amendments. Keep them filed together — at claim time, the schedule + wording + endorsements at the date of loss is what determines coverage. 3. Making a claim This is where most policyholders read the Code for the first time. Code commitments at claim time include: Promptly acknowledge the claim Give clear information about what's needed to progress the claim Explain decisions and provide reasons in writing if a claim is declined or limited Keep the policyholder informed of progress, including any delays Pay claims promptly once accepted Treat policyholders fairly and with respect For business claims, the typical chain is: claim notification → insurer assigns claims handler → loss adjuster appointed (for material damage / BI / liability above a threshold) → forensic accounting (for BI claims) → settlement offer or decline. Each step has Code commitments around communication and reasoning. 4. When something goes wrong — the complaints process The Code requires every member insurer to operate an internal complaints process and to be a member of an external dispute resolution scheme. The two NZ schemes covering general insurers are FSCL (Financial Services Complaints Limited) and IFSO (Insurance and Financial Services Ombudsman) . Both are free to use, independent of the insurer, and can issue binding determinations. The escalation path is: Internal complaint. Lodge a written complaint with the insurer's complaints team. Quote the Code where relevant. Insurers should resolve internally within two months. Final response or deadline expiry. Once the insurer issues a final decision, or two months have passed without resolution, you may escalate. External scheme. Lodge with FSCL or IFSO (whichever the insurer is a member of — check their disclosure document). Submit the complaint, the insurer's response, and supporting documents. The scheme investigates and issues a determination. Court. Available either before or after dispute resolution. The scheme determination is binding on the insurer (not the policyholder) up to monetary limits set in scheme rules. Where the Code matters most for business policyholders Three Code promises consistently make the difference on commercial claims: (a) Written reasons for any claim decline or limitation A decline letter must explain which policy term has been applied and why the insurer reads the facts as triggering it. "Not covered" without specifics is non-compliant — request the specific clause reference. If the insurer can't pin the decline to a clause, the decline is hard to defend at FSCL/IFSO. (b) Reasonable time + progress updates Business interruption claims in particular take months because forensic accountants need to reconstruct lost profit. The Code does not require fast claims, it requires communicated claims — regular updates, reasoning for delays, indicative next steps. A months-long silence is a Code breach. (c) Fair handling of partial settlements and reinstatement Material damage claims often settle in stages — emergency repairs first, full reinstatement later. The Code requires fair handling of each stage including correct application of the indemnity vs reinstatement basis (whichever the policy specifies). Cash settlements offered in lieu of repair should reflect the contractual basis of cover, not a discount. How brokers and advisers fit If you bought your policy through a Financial Advice Provider (an "intermediary" in Code language), the adviser handles the claim notification, liaison with the insurer and complaints escalation on your behalf. The Code applies to the insurer regardless of how the policy was sold, but advisers are also subject to the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. If you have concerns about adviser conduct, those run to the Financial Markets Authority and the relevant dispute resolution scheme. What the Code is not Not a guarantee of coverage. The Code is about how insurers handle the relationship, not what they cover. Coverage is determined by the policy wording. Not a substitute for the Insurance (Prudential Supervision) Act 2010 or the Financial Markets Conduct Act 2013. The statutory framework is separate. Not enforceable by direct court action on Code breach alone — but admissible evidence and used by dispute schemes in determinations. Not a binding obligation on non-ICNZ insurers. Confirm Code coverage by checking your insurer's ICNZ membership at icnz.org.nz/about-icnz/members/ . Practical claims hygiene built from the Code Notify the insurer promptly — within the policy notification clause Put everything in writing where possible — email rather than phone for the audit trail Keep contemporaneous notes of phone calls — date, time, person, key points Request written reasons at every decision point If you have a broker, route requests for written reasons through them Use the Code as a reference in complaint letters — name the specific commitment the insurer has breached Don't let two months pass without a written update — escalate Quick FAQ How do I check if my insurer is an ICNZ member? The full member list is at icnz.org.nz/about-icnz/members/ . Most major NZ general insurers are members. Which dispute resolution scheme handles my insurer? Your insurer's disclosure document (or the policy schedule) will name FSCL or IFSO. You can also search the Financial Service Providers Register at fsp-register.companiesoffice.govt.nz . Are dispute resolution schemes free? Yes, to the policyholder. The schemes are funded by member insurers. There is no fee to lodge a complaint or for the scheme's investigation. Can the dispute resolution scheme overturn a claim decline? Yes. FSCL and IFSO can make binding determinations on the insurer up to scheme monetary limits. The policyholder is not bound by the determination and retains the right to court action; the insurer is bound up to the scheme's monetary cap. Primary sources cited in this guide ICNZ — Fair Insurance Code ICNZ — Member list FSCL — Financial Services Complaints Limited IFSO — Insurance and Financial Services Ombudsman FSPR — Financial Service Providers Register Disclaimer: This article is general information for New Zealand businesses and not personalised legal or financial advice. The Fair Insurance Code is industry self-regulation; specific complaint outcomes depend on the facts and policy wording. Consult the primary sources linked above or a lawyer for your specific situation. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891). Compare business cover from ICNZ-member insurers Evolve Group's NZ insurer panel includes ICNZ-member general insurers. Free comparison, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/guides/ Business Insurance Guides — Gov-Cited, NZ-Specific SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides Business Insurance Guides Educational guides on NZ small-business insurance. Each guide cites the primary government, regulator or industry source. General information for New Zealand businesses, not personalised legal or financial advice. WorkSafe NZ Health & Safety + Business Insurance How the Health and Safety at Work Act 2015 sits alongside public liability, employer liability and statutory liability cover. Cites worksafe.govt.nz and legislation.govt.nz. MBIE business.govt.nz — When SMEs Should Insure, What to Insure Map MBIE's small-business guidance against milestones in a NZ business journey — start-up, first client, first hire, first premises. Cites business.govt.nz. ICNZ Fair Insurance Code — Your Business Policyholder Rights Plain-English summary of the Insurance Council of NZ Fair Insurance Code for business policyholders — claims standards, complaints process, escalation path. Cites icnz.org.nz. IRD Tax Deductibility of Business Insurance Which NZ business insurance premiums are tax-deductible under the Income Tax Act 2007 general permission, how GST is treated, and how pay-outs are taxed. Cites ird.govt.nz. ACC vs Employer Liability Insurance — Where the Gap Sits ACC covers no-fault personal injury; everything else an injured worker can claim (exemplary damages, stress, harassment, gradual process) is the gap employer liability fills. Cites acc.co.nz. Ready to compare cover? Free comparison of business insurance from Evolve Group's NZ insurer panel. No obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/guides/ird-insurance-tax-deductibility-nz-business/ IRD Tax Deductibility of Business Insurance — Which Premiums Are Deductible in NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides » IRD Tax Deductibility of Business Insurance IRD Tax Deductibility of Business Insurance Which business insurance premiums are tax-deductible in New Zealand, how GST is treated, and how IRD characterises insurance pay-outs. Plain English with links to ird.govt.nz. Published 19 May 2026. General information, not personalised tax advice. Confirm specifics with your accountant or Inland Revenue. The general permission, in one paragraph The starting point for deductibility of any business expense in NZ is section DA 1 of the Income Tax Act 2007 — the "general permission". An amount is deductible to the extent that it is incurred in deriving assessable income, or in carrying on a business for the purpose of deriving assessable income. Insurance premiums on policies protecting business assets, business income, business liabilities, or the people central to running the business typically meet this test. The general permission is subject to limitations in section DA 2 and to specific anti-deduction provisions throughout Subpart DB — including the non-deductibility of fines and penalties (DB 62) and capital expenditure (DA 2(1)). Inland Revenue's plain-English overview is at ird.govt.nz/income-tax/.../deductions-overview . This guide summarises common NZ business insurance deductibility — your accountant or IRD's operational statements are the source of truth for your specific circumstances. Typically deductible — the everyday business policies The following premiums are typically fully deductible under the general permission, where the policy relates to the business activity: Public liability insurance — covers civil claims by third parties. Premium is part of the cost of operating the business. Professional indemnity insurance — covers civil claims for negligence in professional services. Same analysis. Employer liability insurance — covers civil claims by workers not addressed by ACC. Same analysis. Statutory liability insurance — covers regulatory defence and reparation. Premium is deductible; the underlying fine is not (see below). Material damage insurance — covers business assets (stock, plant, fit-out, equipment). Premium is part of the cost of holding the asset. Business interruption insurance — covers loss of profit during recovery. Premium is part of business operating cost. Commercial motor insurance — covers business vehicles. Premium is part of vehicle operating cost. Cyber insurance — covers data breach response, ransomware, business interruption from cyber events. Premium is part of business operating cost. Tools and contents insurance — covers trade tools and business contents. Premium is part of equipment cost. These are all categories where the policy covers an exposure that arises from running the business. The premium is incurred in deriving assessable income, so it satisfies the general permission. Apportionment — when a policy is part-business, part-private Where a policy covers both business and private use, the deductible portion is the business-use percentage. The most common case is the commercial vehicle policy on a vehicle used for both work travel and private travel. IRD's expectation is a contemporaneous logbook or a reasonable apportionment method documented at the time. Retrospective apportionment based on vague estimates is the line IRD's auditors most commonly push back on. The same logic applies to a home-office contents policy covering both household and business goods — only the business portion is deductible. Not deductible — fines, penalties, and capital expenditure Fines and penalties under section DB 62. The Act explicitly denies a deduction for fines and penalties (including WorkSafe fines under HSWA 2015, fines under the Commerce Act, fines under the Financial Markets Conduct Act, infringement fees and similar). This is a deliberate policy: allowing tax deductions for regulatory penalties would undermine their deterrent purpose. Defence costs (legal fees, expert witness, court fees) incurred in defending the prosecution are generally deductible if incurred in the course of the business — but the penalty itself is not. The deductibility of fines remains a frequently-asked IRD question; the answer hasn't changed in years. Capital expenditure. Premiums of an inherently capital nature are not deductible under section DA 2(1). The classic example is a premium paid to acquire a long-term right (e.g. some specialised long-tail products with characteristics of pre-funding rather than annual cover). The vast majority of annual general insurance policies are revenue in character — annual contract, annual premium, annual cover — and are deductible. If your insurance arrangement looks unusual, get specific advice. Life, key person, and income protection — the complex cases Tax treatment of life and personal-risk insurance for business purposes is one of the most commonly-misunderstood areas of NZ business tax. The answer depends on: Who owns the policy — the business, the individual, or a trust Who is the beneficiary on payout — the business, the individual, the individual's estate What the policy covers — death, disability, illness, income loss The purpose of the policy — protecting business cashflow, replacing income, providing for family As a general guide: A business-owned key-person life policy where the business is the beneficiary, taken to protect the business against the financial loss from a key person's death, is often deductible — and the pay-out is taxable as business income An individual-owned income protection policy paying benefits to the individual is typically not deductible to the business — and benefits may be assessable to the individual depending on the policy structure A shareholder-protection policy used to fund a buy/sell agreement has its own specific tax position These are not categories to guess on. Inland Revenue has issued multiple interpretation statements on insurance for natural persons used in a business context. Get specific advice from a chartered accountant before treating the premium as deductible. GST treatment General insurance premiums in NZ are subject to GST. A GST-registered business that holds a policy for taxable activity can claim the GST input credit on the premium. Inland Revenue's GST guidance covers this. Two practical points: The premium amount on the schedule includes GST — strip the GST portion when claiming the deduction (as you would with any GST-inclusive expense) and claim it through the GST return Life insurance and some accident insurances are GST-exempt — no GST charged, no input credit available On the pay-out side, insurance proceeds for a taxable activity may give rise to a GST output if the recovery relates to GST-taxable supplies — for example a material damage payout for damaged stock may require GST adjustment. The treatment differs by claim type; your accountant handles this at year end. How insurance pay-outs are taxed Insurance pay-outs are characterised by what they replace: Business interruption payouts replace lost profit — generally assessable income Material damage payouts for trading stock — generally assessable to the extent of recoupment Material damage payouts for depreciable property — may give rise to depreciation recovery income (capital gain on the cost-base difference) Material damage payouts for capital assets generally — capital in nature, but may affect cost base for later disposal Liability payouts covering deductible defence costs or reparation orders — typically reduce the deductible expense rather than creating separate income Key-person life payouts where business is beneficiary and premium was deductible — assessable IRD has interpretation statements on insurance recoveries that cover the specifics — search ird.govt.nz for the current version when a claim is paid. Different recovery types within a single claim may have different tax treatment, which is why claims accounting is usually done at the same time as the year-end financials. Practical recordkeeping For Inland Revenue audit purposes, keep: The annual policy schedule for each policy The tax invoice for each premium payment (schedule, invoice, and GST treatment line) Apportionment workings if the policy covers both business and private use Claim file: notification letters, settlement letters, payment records A short note on the policy's tax characterisation in your year-end working papers — particularly for any life or income protection policies For life and key-person policies, also keep board/shareholder resolutions documenting the business purpose for taking the cover. This is the single most useful piece of evidence if IRD challenges deductibility of a life-type premium. Quick FAQ Are public liability and professional indemnity premiums always deductible? Where the policy covers the business activity, yes — the premium is incurred in deriving assessable income. If you hold a policy that covers both business and a private activity (rare but possible), only the business portion is deductible. Can my company deduct my personal income protection premium? Only if the policy is structured so the company is the policy owner and beneficiary, and the cover is for the business's loss from your incapacity. An individual-owned personal income protection policy paying benefits to you personally is generally not deductible to the company — and may not be deductible to you personally either. Get specific advice. How are insurance pay-outs reported on the tax return? Through the relevant income or recovery lines on the IR3, IR4 or IR526 (depending on entity type) at year end. Your accountant categorises each payout against the type of expense or asset it replaces. Don't simply book the gross pay-out as "other income" — the categorisation matters. Does IRD audit insurance premium deductions specifically? Not as a standalone audit focus, but premium deductions appear in any general business audit. The two most common audit findings are (a) life-type policy premium deducted with insufficient business-purpose documentation, and (b) commercial vehicle premium deducted at 100% when the vehicle is also used privately. Both are avoidable with documentation. Primary sources cited in this guide IRD — Deductions overview IRD — GST guidance Income Tax Act 2007 — section DA 1 (general permission) Income Tax Act 2007 — full text Inland Revenue — operational statements and interpretation statements Disclaimer: This article is general information for New Zealand businesses and not personalised tax advice. Tax treatment depends on entity structure, policy ownership and the specific transaction. Confirm deductibility with your chartered accountant or Inland Revenue before relying on it. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Compare cover from Evolve Group's NZ panel Business insurance premiums on policies for your trading activity are typically tax-deductible. Compare cover, free, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/guides/mbie-business-govt-nz-sme-insurance-guide/ MBIE business.govt.nz — When SMEs Should Insure, What to Insure SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides » MBIE business.govt.nz Insurance Guide MBIE business.govt.nz — When SMEs Should Insure, What to Insure Map MBIE's official small-business guidance against the real milestones in a NZ business journey — and the insurance product each milestone triggers. Published 19 May 2026. General information for New Zealand businesses, not personalised legal or financial advice. Why this guide exists The Ministry of Business, Innovation and Employment runs business.govt.nz as the central information service for NZ small and medium businesses. MBIE's content is structural — it tells you which risks exist and which categories of insurance address them — but it deliberately does not recommend insurers or quote products. This guide bridges the gap: it follows the SME journey MBIE describes, names the insurance product that typically lines up at each stage, and links back to the source MBIE page for the official wording. Treat MBIE's pages as the primary source; this guide is a navigation aid. Stage 1 — Before you trade MBIE's Getting Started hub walks through structure choice (sole trader / partnership / company), IRD registration, GST threshold considerations, and the basics of contracts and intellectual property. The insurance-relevant items at this stage: Structure choice flows into limited-liability reasoning. A company structure limits personal liability for company debts but does not shield you from professional negligence claims or HSWA officer-duty prosecutions. Insurance is what fills these gaps. The first contract you sign often dictates insurance. Landlords typically require public liability of $2M-$5M sum insured before lease commencement. Larger clients often require professional indemnity. Government tenders specify minimum cover levels in their RFP terms. Vehicle use for business changes insurance treatment. Personal motor policies generally exclude business use. If you'll drive for work — site visits, deliveries, client meetings — you need commercial motor cover before the first business trip. MBIE's Types of Business Insurance page lists the categories. Match each category against the contractual obligations you've already signed, not against an abstract list of "what most businesses buy". Stage 2 — First client, first paid work The transition from idea to invoice triggers the first cover review. MBIE's guidance on business planning recommends thinking through "what could go wrong" before "how do I grow". The honest version of that exercise for a service business at first-invoice stage: Could your work cause property damage or injury to a member of the public? If yes (tradie on a site, retail with foot traffic, mobile services in client premises) — public liability is structurally on the table. Could your advice or service cause financial loss to a client? If yes (consulting, design, IT, legal, accounting, brokerage, engineering) — professional indemnity is structurally on the table. Could a cyber incident expose customer data or take your systems offline? If yes (any business handling customer records, accepting payment online, or using cloud productivity tools) — cyber insurance is structurally on the table. Public liability and professional indemnity are not interchangeable. The MBIE page explicitly notes that public liability does not cover claims arising from the quality of your professional advice — that's professional indemnity's job. Many SMEs assume one product covers both. It doesn't. Stage 3 — Hiring the first worker MBIE's Hiring and Managing Employees hub walks through employment agreements, PAYE setup, ACC employer levies, KiwiSaver, parental leave, and Health and Safety at Work Act obligations. From an insurance perspective this is the most important milestone after starting to trade — three new exposures appear at once: Employer liability — civil claims by your worker for harm ACC doesn't fully address (exemplary damages, stress claims, harassment, gradual-process injuries). MBIE notes ACC covers personal-injury treatment but does not extinguish civil claims for exemplary damages or non-injury harm. Statutory liability — regulatory consequences (defence costs, reparation orders) under HSWA 2015. WorkSafe NZ's PCBU duties apply the moment you have anyone working under your direction, including contractors in some configurations. Public liability re-rating — your workers' activities expand your third-party exposure. The sum insured that covered just-you may be inadequate for you-plus-team. The contractor-versus-employee distinction matters here. MBIE's Contractor or Employee page explains the test. If a person you treat as a contractor is later reclassified as an employee by the Employment Relations Authority, ACC, employer liability and statutory liability exposures retroactively apply. Many liability policies extend cover to "deemed employees" — confirm with your adviser. Stage 4 — First premises, first stock Holding inventory or relying on a physical location triggers asset-side cover. MBIE's Business continuity and disaster planning section covers the structural exposures: fire, theft, weather events, supplier failure. Two products address this: Material damage — the assets themselves (stock, plant, equipment, fit-out). Sum insured should reflect replacement cost, not depreciated value. Business interruption — the lost profit and increased costs of working while you recover. Indemnity period (how long the cover continues paying after the incident) is the most-undersized field on most NZ small business policies. MBIE's continuity-planning guidance frequently flags that recovery from a serious event takes longer than owners expect. The Christchurch earthquakes and Auckland floods both produced public examples of businesses with material damage cover but inadequate business-interruption indemnity periods — they could rebuild but couldn't fund operating costs through the gap. MBIE's planning templates encourage thinking through worst-case recovery time before setting the BI indemnity period. Stage 5 — Cyber and digital exposure MBIE links to CERT NZ's business guidance for cyber security and to the Office of the Privacy Commissioner for privacy obligations. A cyber incident affecting an NZ SME typically triggers three regulatory and contractual responses simultaneously — Privacy Act 2020 notification (if personal information involved), customer contract notification clauses, and bank/payment-processor PCI obligations if card data is involved. Cyber insurance, where the policy is well-written, pays for the forensic investigation, the legal advice on notification, the customer notification logistics, and the regulatory defence. MBIE does not specify a "minimum" cyber sum insured — that's a per-business analysis based on customer-record count and revenue. Stage 6 — Growth, contracts and tenders As contracts grow, the insurance requirements in those contracts grow. MBIE's contracts guidance recommends reading the insurance clauses carefully — sum insured floors, naming the principal as an additional insured, waiver of subrogation, and notification timelines all routinely appear and all affect what cover you actually need to hold. Government procurement under the Government Rules of Sourcing commonly specifies insurance terms in the RFP. A licensed adviser can map a contract's insurance schedule against your existing cover and flag the gap before you sign. The MBIE pages worth bookmarking Types of business insurance — the structural overview Getting started — start-up checklist Hiring and managing employees — employer obligations trigger Business continuity and disaster planning — material damage + BI thinking Cyber security — cyber exposure framing Quick FAQ Is business.govt.nz the right starting point or should I go straight to an adviser? Both. Read MBIE first to understand the structure of NZ business obligations and the categories of insurance available. Then talk to a licensed Financial Advice Provider for product-specific recommendations. MBIE deliberately does not recommend insurers — that's regulated financial advice under the Financial Markets Conduct Act 2013. Does MBIE provide template insurance schedules? No. MBIE provides general guidance and links to relevant regulators. Specific sum-insured figures and policy terms are commercial and depend on your business. The Insurance Council of New Zealand ( icnz.org.nz ) publishes the Fair Insurance Code for business policyholders — see our separate guide on the ICNZ Code. Does business.govt.nz cover sole traders? Yes. The site covers sole traders, partnerships, companies, trusts and not-for-profits. The risk and obligation framework is similar across structures; the difference is in personal-liability exposure and tax treatment. Sole traders carry personal liability for business debts and HSWA duties; insurance is the only practical mitigation. Primary sources cited in this guide business.govt.nz — Types of business insurance business.govt.nz — Getting started business.govt.nz — Hiring and managing employees business.govt.nz — Contractor or employee business.govt.nz — Business continuity Disclaimer: This article is general information for New Zealand businesses and not personalised legal, tax, or financial advice. MBIE's business.govt.nz content is the primary source — this page is a navigation aid. For your specific cover requirements, consult a licensed Financial Advice Provider. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891). Match your stage to a quote Tell us where you are in the journey and we'll compare cover from Evolve Group's NZ insurer panel. Free, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/guides/worksafe-nz-health-safety-business-insurance/ WorkSafe NZ Health & Safety + Business Insurance — How HSWA 2015 Interacts With Your Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home » Guides » WorkSafe NZ & Business Insurance WorkSafe NZ Health & Safety + Business Insurance How the Health and Safety at Work Act 2015 sits alongside public liability, employer liability and statutory liability cover. Plain English, with links to primary sources. Published 19 May 2026. General information for New Zealand businesses, not personalised legal or financial advice. The regulator and the statute, in one paragraph WorkSafe New Zealand is the workplace health and safety regulator established under the WorkSafe New Zealand Act 2013. The substantive duties WorkSafe enforces sit in the Health and Safety at Work Act 2015 (HSWA), in force since 4 April 2016. HSWA replaced the old Health and Safety in Employment Act 1992 with a broader duty model: it doesn't only apply to "employers" with "employees", it applies to any Person Conducting a Business or Undertaking (a PCBU) and to all workers , however engaged. WorkSafe's operational guidance for PCBUs lives at worksafe.govt.nz . Read these primary sources alongside this guide — they are the source of truth, this page is a navigation aid. The primary duty (section 36) Section 36 of HSWA imposes the primary duty of care : a PCBU must ensure, so far as is reasonably practicable , the health and safety of: Workers engaged or caused to be engaged by the PCBU, while they are at work Workers whose activities in carrying out work are influenced or directed by the PCBU Other persons (members of the public, visitors, contractors' workers) who could be put at risk by the work "Reasonably practicable" is defined in section 22 — it weighs the likelihood and severity of harm against the availability and cost of ways to eliminate or minimise it. The Act explicitly says cost cannot be the only reason for not eliminating a risk where the risk is serious. WorkSafe's enforcement decisions consistently treat documented risk assessment plus implemented controls as the evidence that a PCBU has met its section-36 duty. Officers' due diligence (section 44) If you are an officer of a PCBU — a director, partner, or someone exercising significant influence over management — section 44 of HSWA imposes a personal due-diligence duty. Officers must take reasonable steps to acquire and keep up-to-date knowledge of work health and safety matters, gain an understanding of the operations and hazards involved, ensure appropriate resources and processes are in place, ensure there are processes for receiving and considering information about incidents, and verify the resources and processes are being used. WorkSafe has prosecuted officers personally; this is not a vicarious-liability shortcut. What WorkSafe enforces, and how WorkSafe has a graduated enforcement toolkit: Improvement notice / prohibition notice — issued on inspection; requires action or stops work until risk is addressed Infringement notice — administrative penalty for specified breaches, no court Enforceable undertaking — alternative to prosecution where the PCBU commits to specific corrective measures, often community benefit projects Prosecution — for the more serious offences under sections 47, 48 and 49 The prosecution offences are tiered by mental state : section 47 covers reckless conduct exposing a person to risk of death or serious injury (the most serious); section 48 covers failure to comply with a duty that exposes a person to risk of death or serious injury; section 49 covers any other failure to comply with a duty. The maximum penalties scale up sharply between tiers. The current statutory maxima are set out in HSWA itself — see sections 47-49 for the current figures. How business insurance interacts with HSWA This is the part most NZ business owners get wrong. Insurance does not discharge the section-36 duty. Insurance covers the financial consequences of an incident — it does not replace controls, training, risk assessment or supervision. With that framing fixed, three insurance products commonly come into play after a workplace incident: 1. Public liability insurance Covers civil claims by third parties (members of the public, customers, other businesses) for personal injury or property damage caused by your business activity. In New Zealand, ACC absorbs most personal-injury compensation, so public liability claims tend to involve property damage, economic loss, or harm where ACC's no-fault scheme doesn't fully apply (overseas claimants, mental injury without physical cause, etc.). A workplace incident that injures a visitor or contractor on your site can trigger a public liability claim. 2. Employer liability insurance Covers civil claims by your own workers for harm that falls outside ACC's no-fault cover. ACC covers personal-injury treatment and rehabilitation, but workers can still sue for exemplary damages (where conduct was outrageous), and for stress, harassment or gradual-process injuries that ACC declines. The Employment Court's exemplary-damages awards in workplace-harm cases sit alongside, not instead of, ACC. Employer liability fills this civil-claim gap. 3. Statutory liability insurance Covers the regulatory consequences of a HSWA breach: legal defence costs in the WorkSafe prosecution, reparation orders made by the court under section 152, and (in some policies) the insurable portion of fines. The defence-cost line is the most material — even an enforceable-undertaking outcome can require six figures of legal advice to reach. The general principle in NZ law is that fines for reckless or deliberate conduct are not insurable (allowing insurance to absorb the penalty would defeat its deterrent purpose); reparation orders to victims, and defence costs, generally are insurable. Always check the wording. The one incident, three policies problem A single workplace incident can simultaneously trigger: A WorkSafe investigation → statutory liability response An exemplary-damages claim by the injured worker → employer liability response A property-damage or third-party-injury claim → public liability response If you only carry one of the three, the other two financial exposures are uninsured. This is the structural reason most small NZ businesses with employees carry a combined liability package rather than picking one product in isolation. Talk to a licensed adviser about which combination matches your risk profile — Evolve Group (FSP711891) operates this site. Reasonable practicability and the underwriting view Underwriters reading a statutory liability quote application look for the same evidence WorkSafe inspectors look for: documented risk assessment, hazard register, training records, near-miss reporting, officer involvement. A business that can produce these documents typically gets a quicker, cleaner quote; a business that cannot is often declined or quoted with significant exclusions. The compliance work and the insurability work are the same work — done once, they both improve. Notifiable events and the 24-hour duty Sections 23 to 25 of HSWA require a PCBU to notify WorkSafe as soon as possible after a notifiable event (death, notifiable injury or illness, notifiable incident). Notification is via WorkSafe's online form at worksafe.govt.nz/notifications . The PCBU must also preserve the incident site until WorkSafe authorises disturbance. The 24-48 hours after a notifiable event is where business owners often make insurance-coverage mistakes — engaging a lawyer or PR firm before notifying their insurer can void cover. The first call after notifying WorkSafe should be to your insurance adviser. Quick FAQ Does my business need WorkSafe to be involved before I claim on insurance? No. A civil claim from an injured visitor or worker can be notified to your liability insurer immediately. A regulatory matter (WorkSafe investigation, prosecution, infringement notice) triggers your statutory liability cover. These notifications are independent — notify your insurer as soon as you become aware of any potential claim, regardless of WorkSafe status. Can I be personally liable if my company is the PCBU? Yes, if you are an officer under section 18 of HSWA. The officer due-diligence duty in section 44 is a personal duty and can result in personal prosecution. Many statutory liability policies extend cover to officers in their personal capacity — confirm with your adviser. What records does WorkSafe expect a small business to keep? WorkSafe publishes simple-language guidance for small businesses at worksafe.govt.nz/managing-health-and-safety/businesses/small-business/ . At minimum: a hazard or risk register, evidence of training and induction, an incident/near-miss log, and records of any maintenance/inspection on plant or equipment. Are WorkSafe penalties tax-deductible? Inland Revenue's general position is that fines and penalties are not tax-deductible — see ird.govt.nz for the current operational statement on deductibility of penalties. Legal defence costs and insurance premiums may be deductible if incurred in deriving assessable income; check with your accountant. Primary sources cited in this guide Health and Safety at Work Act 2015 — full text (legislation.govt.nz) WorkSafe NZ — PCBU duties WorkSafe NZ — Small business guidance WorkSafe NZ — Notify a notifiable event WorkSafe NZ — Enforcement policy Disclaimer: This article is general information for New Zealand businesses and not personalised legal, tax, or financial advice. WorkSafe duties are statutory and apply regardless of insurance. For your specific obligations, consult the primary sources linked above, a workplace lawyer, or your licensed insurance adviser. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Compare business liability cover Combined public liability, employer liability and statutory liability packages are arranged through Evolve Group's NZ insurer panel. Free comparison, no obligation. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/home-business-insurance-guide/ Home Business Insurance NZ - Work from Home Coverage SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home Business Insurance Guide Essential insurance for home-based businesses Why You Need Separate Business Insurance Your home insurance policy typically doesn't cover business activities. If you run a business from home, you need specialized coverage. What to Cover Public Liability: If clients visit your home office Professional Indemnity: For professional services Business Equipment: Computers, tools, inventory Cyber Insurance: If you handle customer data Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). 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We make business insurance simple, transparent, and affordable for New Zealand businesses Quick Quotes Get multiple quotes in under 5 minutes with our streamlined quote process Local Expertise New Zealand-focused advice from insurance experts who understand local business needs Trusted Providers Compare quotes from New Zealand's leading insurance companies Fits Your Business Comprehensive cover options tailored to your business Popular Insurance Types Explore our comprehensive range of business insurance products designed for New Zealand businesses Popular Public Liability Protect against third-party claims for injury or property damage Learn More Popular Professional Indemnity Cover for professional errors and negligence claims Learn More Tool Insurance Specialized coverage for tools and equipment Learn More Cyber Insurance Protection against data breaches and cyber attacks Learn More Business Vehicle Comprehensive vehicle insurance for business use Learn More Business Interruption Income protection when business operations are disrupted Learn More View All Insurance Types Insurance by Industry Specialized insurance solutions tailored to your industry's unique risks and requirements 🔧 Tradies 🏗️ Builders 💼 Consultants 💻 Tech Startups 🏪 Retailers 🧹 Cleaners View All Industries Trusted Insurance Partners We work with a panel of NZ commercial insurers through licensed FAP Evolve Group Limited to provide cover appropriate to your business needs Vero AMP Ando NZI View All Providers How It Works Getting the right business insurance is simple with our free comparison service 1 Tell Us About Your Business Answer a few quick questions about your industry, size, and coverage needs. 2 Compare Quotes We source quotes from multiple NZ insurers so you can compare coverage and pricing. 3 Get Covered Choose the right policy and get covered — most businesses are protected within 24 hours. Ready to Protect Your Business? Get personalized insurance quotes from New Zealand's top providers in just minutes. No obligation, completely free. Get Free Quotes Now Speak to an Expert SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/industries/ Business Insurance by Industry NZ - Specialized Coverage SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurance by Industry Specialized insurance solutions for your industry Get Free Quotes Tradies From $80/month Builders From $150/month Consultants From $70/month Tech Startups From $80/month Retailers From $100/month Cleaners From $40/month Freelancers From $50/month E-commerce From $90/month SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/industry-risk-assessments/ Business Insurance Risk Assessment by Industry NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Industry Risk Assessments Understanding risks and insurance needs by industry High-Risk Industries Construction & Trades: High injury rates, property damage risk Healthcare: Professional negligence claims, data privacy Manufacturing: Product liability, workplace injuries Medium-Risk Industries Professional Services: Negligence claims, cyber risks Retail: Customer injuries, stock loss Hospitality: Food safety, customer accidents Lower-Risk Industries Technology: Mainly cyber and PI risks Consulting: Professional indemnity primary concern Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-builders/ Builders Insurance NZ 2026 — Construction Liability, Contract Works & Tool Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Builders Insurance NZ Specialized insurance for New Zealand builders and construction companies. Comprehensive protection for your projects, equipment, and business. Get Free Quotes Compare Coverage Quick Quote Public Liability From $25/month Professional Indemnity From $30/month Contract Works From $50/month Tools & Plant From $20/month Typical Cost $150-400/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. Essential Insurance for Builders Specialized coverage tailored to the unique risks faced by builders and construction companies in New Zealand. Public Liability Insurance Essential Protection for third-party injuries and property damage on construction sites. Required by most construction contracts. From $25/month Learn more → Contract Works Insurance Essential Coverage for materials, works in progress, and temporary structures during construction projects. From $50/month Learn more → Professional Indemnity Recommended Protection against design errors, specification mistakes, and construction defects claims. From $30/month Learn more → Tools & Plant Insurance Recommended Cover for theft, loss, and damage to your tools, power tools, plant, and equipment on site or in your vehicle. From $20/month Learn more → Statutory Liability Recommended Covers fines and legal defence costs for unintentional breaches of the Health and Safety at Work Act 2015. From $15/month Learn more → Business Vehicle Insurance Optional Commercial cover for work utes, vans, and trucks used to transport tools and materials to site. From $40/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Construction Site Accident Passer-by injured by falling debris on a residential build. Public liability covered $120,000 in medical and legal costs. Illustrative example: $120,000 Structural Defect Claim Design flaw in a retaining wall led to remediation work three years after completion. Professional indemnity covered $280,000. Illustrative example: $280,000 Materials Theft from Site $35,000 of building materials and copper wiring stolen from an unsecured site overnight. Contract works insurance provided replacement. Illustrative example: $35,000 Third-Party Property Damage Excavation work caused subsidence damage to a neighbouring property. Public liability covered $95,000 in structural repairs. Illustrative example: $95,000 Health & Safety Prosecution WorkSafe prosecution after a scaffolding incident. Statutory liability covered $55,000 in fines and legal defence costs. Illustrative example: $55,000 Storm Damage to Works in Progress Cyclone damaged a partially completed roof and framing. Contract works insurance covered $68,000 in rebuild costs. Illustrative example: $68,000 Why Builders Need Insurance Contract Requirements Most construction contracts require builders to have comprehensive insurance before work begins. Without it, you cannot tender for most projects. High-Risk Industry Construction is one of the highest-risk industries in New Zealand. A single liability claim can easily exceed $100,000 in costs. Project Protection Contract works insurance ensures your projects stay on track even if materials are damaged, stolen, or destroyed by weather events. Insurance by Builder Type Different types of builders face different risks and have different insurance requirements. Here is what each type typically needs. Residential Builders Building new homes, renovations, and extensions. You work on or near occupied properties, often in established residential areas where neighbouring properties are at risk. Key coverage needs: ✓ Public liability ($1M-$2M minimum) ✓ Contract works (full contract value) ✓ Professional indemnity (if providing design) ✓ Tools and plant cover Commercial Builders Commercial construction projects — offices, retail, industrial, and multi-storey. Higher contract values, more complex risk profiles, and stricter contractual insurance requirements. Key coverage needs: ✓ Public liability ($5M-$10M common) ✓ Contract works (project-specific) ✓ Professional indemnity (typically required) ✓ Statutory liability ✓ Employer's liability Owner-Builders Building or renovating your own home. While you may not need the same level of cover as a commercial builder, you still need to protect against liability to visitors, contractors, and neighbours. Key coverage needs: ✓ Public liability ($1M minimum) ✓ Contract works (value of the build) ✓ Material damage during construction Subcontractors Working under a head contractor on larger projects. You may be covered under the head contractor's contract works policy, but you typically still need your own public liability and tools cover. Key coverage needs: ✓ Public liability ($1M-$2M, check contract) ✓ Tools and plant cover (your own equipment) ✓ Professional indemnity (trade-specific) ! Confirm contract works coverage with head contractor Contract Requirements for Builders Before you can start work on most construction projects, the principal or client will require you to hold specific insurance. Here are the most common contractual requirements builders face in New Zealand. Minimum Public Liability Most contracts require a minimum of $2 million in public liability cover. Commercial and government projects often require $5M or $10M. You will typically need to provide a Certificate of Currency before starting on site. Contract Works Cover Standard construction contracts (NZS 3910, NZS 3915) place the obligation on the head contractor to arrange contract works insurance for the full contract value. This covers the physical works, materials on site, and temporary structures against fire, storm, theft, and accidental damage. Defects Liability Period Contracts typically include a 12-month defects liability period after practical completion. Under the Building Act 2004, structural defect claims can arise for up to 10 years after the building work is completed. Maintaining adequate run-off cover is essential. Professional Indemnity If you provide design, specification, or project management services — not just labour — many contracts will require professional indemnity insurance. This is increasingly common as more builders take on design-and-build contracts. Guaranty Building Products Some contracts and building product manufacturers require builders to hold specific cover for products installed — particularly cladding systems, membrane products, and waterproofing. Check product warranties for insurance conditions. Defects Liability & Run-Off Cover One of the biggest risks for builders is claims that arise years after a project is completed. Under the Building Act 2004, building defect claims can be brought for up to 10 years after the work was done. This means you could face a claim long after you have moved on to other projects — or even after you have retired. What Is Run-Off Cover? Run-off cover (also called tail cover) extends your professional indemnity and public liability protection after you stop trading or retire. Without it, claims arising from past work would be uninsured. This is particularly important for builders who are winding down their business or transitioning to retirement. Common Defect Claims Defect claims typically involve: - Weathertightness failures (leaking cladding, roofing, windows) - Structural issues (foundation settlement, framing failures) - Non-compliant building work discovered during resale - Moisture damage from inadequate waterproofing - Drainage and stormwater issues The 10-Year Limitation Period Under the Building Act 2004, civil proceedings for defective building work must be brought within 10 years of the act or omission. This means you could face a claim up to a decade after completing the work. If you plan to retire or close your building business, discuss run-off cover options with your insurance adviser. Indicative Pricing by Builder Type Indicative monthly premiums for different types of builders. Your actual premium will depend on your turnover, claims history, cover limits, and specific circumstances. Builder Type Public Liability Contract Works Professional Indemnity Typical Total Residential Builder New homes, renovations, extensions From $25/mo From $50/mo From $30/mo $120-300/mo Commercial Builder Offices, retail, industrial From $45/mo From $80/mo From $50/mo $250-600/mo Roofer Working at height, weathertightness From $30/mo From $40/mo From $25/mo $100-250/mo Plumber Water damage risk, compliance From $20/mo Often not needed From $25/mo $60-180/mo Electrician Compliance-driven, fire risk From $20/mo Often not needed From $25/mo $60-180/mo Scaffolder High risk, working at height From $35/mo Often not needed From $30/mo $80-250/mo All prices shown are indicative only and represent starting points. Your actual premium will be determined by your insurer based on a full assessment of your business. How to Reduce Your Builder's Insurance Premium There are practical steps you can take to keep your insurance costs down while maintaining adequate cover. Get Site Safe Certified Site Safe certification demonstrates a commitment to health and safety. Many insurers view certified businesses as lower risk, which can help with premiums. Maintain LBP Status Being a Licensed Building Practitioner signals competence and regulatory compliance. It demonstrates you meet the professional standards set by the Building Practitioners Board. Choose a Higher Excess Increasing your excess (the amount you pay per claim) will lower your premium. Make sure you can afford the excess amount if you do need to make a claim. Clean Claims History A history of no claims over several years is one of the strongest factors in keeping premiums low. Document near-misses and address root causes to avoid claims. Site Security Fencing, cameras, lockable storage, and alarm systems on construction sites reduce theft risk. Insurers may offer better rates for well-secured sites. Bundle Your Policies Combining multiple cover types (public liability, tools, vehicle, professional indemnity) into a single package with one insurer can reduce your overall cost compared to separate policies. Frequently Asked Questions Common questions about insurance for builders in New Zealand. Is insurance compulsory for builders in New Zealand? There is no single law requiring all builders to hold insurance in NZ. However, most construction contracts — particularly NZS 3910 and NZS 3915 — require the contractor to hold public liability, contract works, and professional indemnity insurance before work begins. Licensed Building Practitioners (LBPs) are not legally required to hold insurance, but virtually all principal contractors and clients will refuse to engage an uninsured builder. What is contract works insurance and do I need it? Contract works insurance (also called construction all-risks) covers the physical works, materials, and temporary structures on a building project against damage from fire, storm, theft, vandalism, and accidental damage during construction. If you are the head contractor, you typically arrange contract works cover for the full contract value. Subcontractors may be covered under the head contractor's policy, but should confirm this in writing before starting work. What is the difference between public liability and professional indemnity for builders? Public liability covers physical damage and injury — for example, a wall collapse injuring a passer-by, or your work damaging a neighbouring property. Professional indemnity covers financial loss from errors in your professional advice or design — for example, a specification error that leads to a defective building requiring remediation. Builders who provide design input, project management, or sign off on building work typically need both. How much public liability cover do builders need? Most construction contracts require a minimum of $2 million in public liability cover. For commercial projects, $5 million or $10 million is common. Residential builders working on smaller projects may find $1-2 million sufficient, but should check each contract for specific requirements. Higher-risk work such as demolition, earthworks, or work near existing structures may require higher limits. What is defects liability insurance and why does it matter? Defects liability insurance (or run-off cover) provides protection after a project is completed, covering claims for defects that emerge during the defects liability period — typically 12 months, but sometimes up to 10 years for structural defects under the Building Act 2004. Without run-off cover, a builder who retires or closes their business could face personal liability for defects discovered years later. Does ACC cover builders for all workplace injuries? ACC covers personal injury to workers — including your employees and yourself. However, ACC does not cover damage to property, consequential losses (such as a client's lost rental income), legal defence costs from liability claims, or exemplary damages. If your work causes damage to a client's property or a third party sues you, you need public liability insurance — ACC will not respond to those claims. Get Your Builders Insurance Quote Compare quotes from NZ insurers in minutes. No obligation, no upfront cost. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • Operated by Evolve Group Limited (FSP711891) SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-cleaners/ Cleaners Insurance NZ 2026 — Public Liability for Commercial & Domestic Cleaning SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Cleaners Insurance NZ Affordable insurance for cleaning businesses in New Zealand. Protect your business from liability claims, equipment damage, and more. Get Free Quotes Compare Coverage Quick Quote Public Liability From $12/month Professional Indemnity From $18/month Equipment Cover From $8/month Typical Cost $40-100/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. Do I Need Insurance as a Cleaner? Whether you clean homes on weekends or run a commercial cleaning team, insurance protects you from costs that could otherwise cripple your business. A single liability claim for property damage or personal injury can easily exceed $10,000 — far more than most small cleaning businesses can absorb. Domestic Cleaners If you clean private homes — even casually or part-time — you are working in spaces filled with valuable personal property. Accidents happen: a knocked vase, a chemical reaction on marble benchtops, or a client tripping over your vacuum cord. Without insurance, you pay out of pocket. While there is no legal requirement to hold insurance as a domestic cleaner in NZ, many clients now ask for proof of cover before handing over their house keys. Commercial Cleaners Commercial cleaning contracts — offices, retail, hospitality, medical facilities — almost always require proof of public liability insurance. Without it, you simply cannot tender for most contracts. The risks are also greater: expensive office equipment, server rooms, medical-grade surfaces, and higher foot traffic all increase your exposure. Commercial cleaners typically need higher cover limits ($2M-$5M) compared to domestic cleaners. ACC Does Not Cover Property Damage ACC covers personal injuries in New Zealand, but it does not cover damage you cause to a client's property, loss of income from a liability claim, or your legal defence costs. You need separate business insurance for these risks. Types of Cleaning Insurance Different types of cover protect you against different risks. Here is what each policy does — and does not — cover. Public Liability Insurance Essential The most important policy for any cleaner. Covers claims from third parties for bodily injury or property damage caused by your cleaning work. What's Typically Covered Damage to client property (flooring, furniture, fixtures) Third-party injury (slips on wet floors, chemical exposure) Legal defence costs and court-awarded compensation Damage caused by cleaning chemicals or equipment Accidental breakage of client belongings What's Typically Not Covered Damage to your own equipment or property Faulty workmanship or poor cleaning results Intentional damage or criminal acts Employee injuries (covered by ACC) Vehicle accidents (covered by motor insurance) From $12/month Learn more about public liability → Professional Indemnity Insurance Recommended Covers claims arising from your professional advice or service failures. Most relevant for commercial cleaners with service-level agreements or specialist cleaning companies. What's Typically Covered Breach of contractual cleaning standards Incorrect advice on cleaning products or methods Failure to deliver agreed services on time Financial loss suffered by client due to your negligence Legal costs for defending professional negligence claims What's Typically Not Covered Physical property damage (that's public liability) Known pre-existing issues or disputes Fraud, dishonesty, or criminal conduct Fines or penalties imposed by regulators Claims arising before the policy started From $18/month Learn more about professional indemnity → Equipment & Contents Insurance Optional Covers your cleaning equipment, tools, and supplies against theft, accidental damage, and breakdown. Particularly important if you carry expensive machinery such as carpet extractors, floor polishers, or pressure washers. What's Typically Covered Theft of equipment from your vehicle or premises Accidental damage to cleaning machinery Electrical or mechanical breakdown Cleaning supplies and chemical stock Portable equipment taken to job sites What's Typically Not Covered Normal wear and tear Equipment left unsecured in an unlocked vehicle Cosmetic damage that doesn't affect function Items not listed or below the excess amount Gradual deterioration or rust From $8/month Learn more about equipment insurance → Statutory Liability Insurance Recommended Covers fines, penalties, and legal defence costs if you are prosecuted for unintentional breaches of NZ legislation — such as the Health and Safety at Work Act 2015 or the Employment Relations Act. Relevant for cleaning businesses with employees. What's Typically Covered Fines for unintentional health and safety breaches Legal defence costs for statutory prosecutions Employment-related penalties Reparation payments ordered by courts What's Typically Not Covered Intentional or reckless breaches of law Criminal conduct or fraud Tax-related penalties Fines that are legally uninsurable How Much Does Cleaners Insurance Cost? Indicative monthly premiums for different types of cleaning businesses. Your actual premium will depend on your specific circumstances. Business Type Public Liability Professional Indemnity Equipment Typical Total Domestic Sole Trader Home cleaning, part-time or full-time From $12/mo Often not needed From $8/mo $20-50/mo Commercial Team (2-10 staff) Offices, retail, hospitality From $25/mo From $18/mo From $15/mo $60-150/mo Specialist / Industrial Carpet, window, pressure washing, hazmat From $35/mo From $25/mo From $20/mo $80-200/mo All prices shown are indicative only and represent starting points. Your actual premium will be determined by your insurer based on a full assessment of your business. What Affects Your Premium? Insurers assess several factors when pricing your cleaning insurance. Understanding these can help you get the right cover at the best price. Team Size More employees means more exposure. A sole trader will pay less than a business with 10 staff, as each additional worker increases the chance of an incident. Commercial vs Domestic Commercial cleaning typically attracts higher premiums because the property values and foot traffic are greater. Cleaning a private home is generally lower risk than an office building or medical facility. Chemicals & Methods Using harsh chemicals, solvents, or pressure washing equipment increases your risk profile. Eco-friendly or low-chemical cleaning methods may result in lower premiums. Annual Turnover Higher revenue typically means more jobs and more exposure. Insurers use turnover as a proxy for the volume of work your business handles each year. Claims History A clean claims record will help keep your premiums down. Previous claims — especially multiple or large claims — will increase your costs and may affect what cover is available to you. Cover Limits & Excess Choosing a higher excess (the amount you pay per claim) lowers your premium. Similarly, $1M cover costs less than $5M. Balance affordability with adequate protection. Who Needs Cleaners Insurance? Whether you work alone or manage a team, if you clean for clients you face liability risks. Here are the types of cleaning businesses that benefit from insurance. Domestic Cleaners House cleaners, home cleaning services, and Airbnb/holiday rental turnovers. You work in private homes with valuable furnishings, electronics, and personal items. Key cover: Public Liability Commercial Cleaners Office cleaning, retail stores, restaurants, and hospitality venues. Contracts often require proof of insurance with minimum $2M public liability. Key cover: Public Liability + Professional Indemnity Carpet & Upholstery Cleaners Specialist carpet cleaning, upholstery care, and stain removal. Higher risk of damage to expensive soft furnishings and flooring from chemicals and heat. Key cover: Public Liability + Equipment Window Cleaners Residential and commercial window cleaning. Working at height adds risk, and scratched or broken glass can be expensive to replace. Key cover: Public Liability + Equipment End-of-Tenancy Cleaners Bond clean or move-out cleaning. Property managers and landlords often require proof of insurance. Disputes over cleaning standards are common. Key cover: Public Liability + Professional Indemnity Industrial & Specialist Cleaners Pressure washing, exterior building cleaning, post-construction clean-up, and hazardous material handling. Higher-risk work with heavier equipment and stronger chemicals. Key cover: Public Liability + Statutory Liability + Equipment Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Property Damage Cleaning chemical damaged expensive flooring. Public liability covered $18,000 in replacement costs. Illustrative example: $18,000 Client Injury Client slipped on wet floor during cleaning. Public liability covered $35,000 in medical and legal costs. Illustrative example: $35,000 Equipment Theft Cleaning equipment worth $4,000 stolen from vehicle. Equipment insurance provided full replacement. Illustrative example: $4,000 Damage to Client Items Accidentally broke expensive artwork while cleaning. Public liability covered $12,000 replacement value. Illustrative example: $12,000 Why Cleaners Need Insurance You Work in Others' Property Every time you enter a client's home or office, you are surrounded by property that is not yours. One accident with a chemical, vacuum, or mop bucket can cause thousands of dollars in damage. Win More Contracts Commercial cleaning contracts almost always require proof of insurance before you can tender. Property managers, body corporates, and facilities companies will ask for a Certificate of Currency. Affordable Protection Cleaning insurance is one of the most affordable types of business insurance. A sole trader domestic cleaner can get essential public liability cover from around $12/month — a small cost compared to a potential five-figure claim. Frequently Asked Questions Common questions about insurance for cleaners in New Zealand. Is insurance compulsory for cleaners in New Zealand? There is no legal requirement for cleaners in New Zealand to hold public liability or professional indemnity insurance. However, many commercial clients and property managers require proof of insurance before awarding cleaning contracts. ACC covers workplace injuries to employees, but it does not cover damage you cause to a client's property or third-party liability claims. What does public liability insurance cover for cleaners? Public liability insurance covers claims made against your cleaning business for bodily injury to third parties or damage to their property. For example, if you accidentally damage a client's flooring with the wrong chemical, or a visitor slips on a freshly mopped surface, public liability would typically respond. It covers legal defence costs and any compensation awarded, up to the policy limit. How much public liability cover do I need as a cleaner? Most domestic cleaners opt for $1 million in public liability cover, which is sufficient for home cleaning work. Commercial cleaners — especially those working in offices, retail, or industrial settings — typically need $2 million or more. Some large commercial contracts may require $5 million or $10 million in cover. Check your contract requirements before selecting a limit. Does ACC cover me if I damage a client's property? No. ACC (Accident Compensation Corporation) covers personal injuries only — it does not cover damage to property, loss of income from a liability claim, or legal defence costs. If you accidentally damage a client's property or a third party is injured due to your work, you would need public liability insurance to cover those costs. Can I get insurance if I'm a sole trader cleaner working part-time? Yes. Many NZ insurers offer policies specifically designed for sole traders and part-time cleaners. Premiums are typically lower for part-time operators because the exposure is reduced. You can usually get public liability cover starting from around $12/month as a sole trader domestic cleaner. What is the difference between public liability and professional indemnity for cleaners? Public liability covers physical damage — such as breaking a client's vase, damaging flooring, or someone slipping on a wet surface. Professional indemnity covers financial loss caused by your professional advice or service failures — for example, if you recommended a cleaning product that caused long-term damage, or failed to meet contractual cleaning standards resulting in a client losing business. Most cleaners need public liability; professional indemnity is more relevant for commercial cleaning companies with service-level agreements. Get Your Cleaners Insurance Quote Compare quotes from NZ insurers in minutes. No obligation, no upfront cost. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • Operated by Evolve Group Limited (FSP711891) SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-cleaners/public-liability/ Are Commercial Cleaners Required to Have Public Liability Insurance NZ? Yes — Here's Why SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Cleaners insurance / Public liability Public liability insurance for NZ cleaners Quick answer Yes — virtually every commercial cleaning contract in NZ requires public liability cover before awarding the contract. Typical minimum $2M for office cleans, $5M+ for medical or industrial. Indicative cost $12–$45/month depending on scope. Why commercial contracts require it Office cleaning: Computers, servers and document-sensitive areas — building owners insist on $2M+ PL before access. Retail cleaning: High foot traffic + product damage exposure — $2M minimum, often $5M. Medical / dental: Patient-area cleaning needs $5M+ and strict cross-contamination protocols. Hospitality: Kitchen-deep-cleaning often requires specific endorsements for hot-surface and grease-trap work. Industrial / warehouse: Equipment damage exposure pushes to $5M–$10M; some contracts mandate $10M. Government / council contracts: Almost always specify a minimum PL level in the tender. Indicative cost Cleaner type Indicative monthly Typical limit Sole trader domestic $12–$25 $1M Sole trader commercial $20–$35 $2M Small team (2–5 staff) $35–$80 $2M–$5M Medical / industrial $60–$150 $5M–$10M Frequently asked questions Are commercial cleaners required to have public liability insurance in NZ? There is no NZ legal requirement, but in practice yes — the great majority of commercial cleaning contracts (offices, retail, hospitality, medical, government) require proof of public liability cover before awarding the contract. Typical minimum is $2M for office cleans, $5M+ for medical or industrial settings. What does public liability cover for cleaners? Claims by third parties for property damage (chemical damage to flooring or benches, accidental breakage) or bodily injury (slips on freshly mopped surfaces, chemical exposure). Legal defence costs are included. How much does PL cost for a cleaner in NZ? Indicative $12–$30/month at $1M cover for sole trader domestic cleaners. Commercial cleaners with $2M+ cover typically sit at $20–$45/month. Premium varies with team size, contract scope and claims history. Do domestic cleaners need public liability? Not contractually required, but increasingly requested — many clients now ask for proof of cover before handing over keys. Indicative cost is $12–$25/month for a sole trader at $1M cover. Get a cleaner PL quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-consultants/ Consultants Insurance NZ - Professional Indemnity Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Consultants Insurance NZ Essential insurance for business consultants, advisors, and coaches. Protect yourself from professional negligence claims and liability risks. Get Free Quotes Compare Coverage Quick Quote Public Liability From $15/month Professional Indemnity From $25/month Cyber Insurance From $30/month Typical Cost $70-150/month Essential Insurance for Consultants Specialized coverage tailored to the unique risks faced by consultants Professional Indemnity Essential Protection against claims of negligent advice or service errors From $25/month Learn more → Cyber Insurance Highly Recommended Coverage for data breaches and cyber security incidents From $30/month Learn more → Public Liability Recommended Protection for third-party injury or property damage From $15/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Negligent Advice Claim Client claimed business advice led to financial loss. Professional indemnity covered $180,000 settlement. Illustrative example: $180,000 Data Breach Client data compromised in cyber attack. Cyber insurance covered $45,000 in notification and recovery costs. Illustrative example: $45,000 Breach of Confidentiality Accused of disclosing sensitive client information. Professional indemnity covered $65,000 in legal defense. Illustrative example: $65,000 Project Failure Implementation of consulting recommendations failed. Professional indemnity covered $125,000 claim. Illustrative example: $125,000 Why Consultants Need Insurance Professional Requirement Many consulting contracts and professional bodies require proof of professional indemnity insurance. Client Trust Insurance demonstrates professionalism and gives clients confidence in your services. Protect Your Assets Without insurance, you could lose your home and personal assets in a professional negligence claim. Get Your Consultants Insurance Quote Join thousands of consultants across New Zealand who trust us for their insurance needs. Compare quotes from top NZ insurers in minutes. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • 24-hour coverage available SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-ecommerce/ E-commerce Insurance NZ - Online Business & Cyber Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes E-commerce Insurance NZ Specialized insurance for online stores and e-commerce businesses. Protect your digital business from cyber risks, product liability claims, and stock loss. Get Free Quotes Compare Coverage Quick Quote Public / Product Liability From $18/month Cyber Insurance From $35/month Stock & Inventory From $30/month Business Interruption From $20/month Typical Cost $90-220/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. Essential Insurance for E-commerce Businesses Specialized coverage tailored to the unique risks faced by online retailers and e-commerce businesses in New Zealand. Cyber Insurance Essential Protection for data breaches, hacking, ransomware, and website downtime. Covers notification costs, forensic investigation, and business interruption. From $35/month Learn more → Public / Product Liability Essential Covers claims when products you sell cause injury or property damage. Essential for all online retailers, especially importers. From $18/month Learn more → Stock & Inventory Highly Recommended Coverage for stored inventory against fire, flood, theft, and accidental damage — whether in a warehouse, garage, or third-party logistics facility. From $30/month Learn more → Business Interruption Recommended Covers lost revenue if your business is interrupted by an insured event — website outage, warehouse fire, or supply chain disruption. From $20/month Learn more → Professional Indemnity Recommended For e-commerce businesses that provide advice, consulting, or customised products. Covers claims for errors, omissions, or misleading information. From $25/month Learn more → Goods in Transit Optional Covers products while being shipped to customers. Protects against loss, theft, and damage during delivery. From $15/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Payment Data Breach E-commerce platform compromised, exposing 2,000 customer payment records. Cyber insurance covered $180,000 in notification, forensic, and legal costs. Illustrative example: $180,000 Product Liability Claim Imported electronic device caused a house fire. Product liability covered $95,000 in property damage, medical costs, and legal defence. Illustrative example: $95,000 Warehouse Stock Destroyed Fire destroyed $75,000 of inventory stored in a third-party warehouse. Stock insurance provided full replacement value. Illustrative example: $75,000 Website Downtime Attack DDoS attack caused a 72-hour outage during Black Friday week. Cyber / business interruption covered $42,000 in lost revenue and recovery costs. Illustrative example: $42,000 Shipping Damage Dispute Bulk shipment of fragile goods damaged in transit. Goods in transit insurance covered $18,000 in replacement and reshipping costs. Illustrative example: $18,000 Chargeback Fraud Wave Organised fraud ring placed orders with stolen cards, then filed chargebacks. Losses totalled $12,000 in reversed payments and lost goods. Illustrative example: $12,000 Why E-commerce Businesses Need Insurance Cyber Threats E-commerce sites handle payment data and personal information, making them targets for hackers. A single breach can cost tens of thousands in notification, forensic, and legal fees. Product Liability Under NZ law, retailers are liable for products they sell — even if they did not manufacture them. Importers are treated as manufacturers. Insurance is your safety net. Business Continuity A website outage, stock loss, or shipping disruption can halt your revenue overnight. Business interruption insurance keeps you afloat while you recover. Product Liability for Online Sellers If you sell products online — whether you manufacture them, source them locally, or import them — you have legal obligations under New Zealand consumer law. Here is what you need to know. Consumer Guarantees Act 1993 Products sold to consumers in NZ must be of acceptable quality, fit for purpose, and match their description. If a product fails these guarantees and causes loss or damage, the buyer can claim against the retailer — that means you, the online seller, not just the manufacturer. Importer Liability If you import products and sell them in NZ, you are treated as the manufacturer for product liability purposes. This means you cannot deflect liability to an overseas supplier. If an imported product causes injury or damage, you are the liable party in NZ. Product liability insurance is essential for importers. High-Risk Product Categories Some product categories carry higher liability risk and may attract higher insurance premiums: - Electronics and electrical appliances (fire, electrocution risk) - Children's products and toys (safety standards, choking hazards) - Health supplements and food products (allergies, contamination) - Cosmetics and skincare (allergic reactions, chemical burns) - Furniture and homewares (stability, materials off-gassing) Dropshippers Are Not Exempt Even if you never physically handle the product (dropshipping), you are still the retailer and can be held liable under NZ consumer law. The customer's contract is with you, not your supplier. Cyber Insurance for E-Commerce E-commerce businesses collect, store, and process customer data — names, addresses, payment information. This makes you a target. Cyber insurance is your financial safety net when security fails. What Cyber Insurance Covers ✓ Data breach notification costs (contacting affected customers) ✓ Forensic investigation (determining how the breach occurred) ✓ Credit monitoring for affected customers ✓ Ransomware negotiation and payment (where legal) ✓ Business interruption from website downtime ✓ Regulatory defence costs and fines ✓ Crisis management and PR costs Common E-Commerce Threats ! Payment card skimming (Magecart-style attacks) ! Account takeover and credential stuffing ! Ransomware locking your admin panel or database ! DDoS attacks causing website downtime ! Phishing attacks targeting your staff ! Third-party plugin vulnerabilities ! Social engineering fraud (fake supplier invoices) For a detailed guide on cyber insurance, including what to look for in a policy and how much cover you need, see our cyber insurance guide . Shipping & Transit Insurance Once a parcel leaves your hands, you lose control — but not responsibility. If goods are lost, stolen, or damaged during delivery, the customer will look to you first. Domestic Shipping NZ Post and courier companies have limited liability for lost or damaged parcels. Their compensation limits are typically well below the value of higher-priced goods. Goods in transit insurance fills this gap. International Imports If you import stock from overseas suppliers, marine cargo insurance covers goods during international transit — sea, air, and land. Standard shipping terms (CIF, FOB) determine who bears the risk at each stage. Returns & Reverse Logistics Goods returned by customers are also at risk during transit. If a customer returns a high-value item and it is lost or damaged in return shipping, consider who bears that risk and whether your policy covers it. Insurance for Marketplace Sellers Whether you sell on Trade Me, Amazon, Shopify, or your own website, the legal obligations are the same. Here is what marketplace sellers need to know about insurance. Trade Me Sellers Trade Me does not provide insurance for sellers. If a product you sell on Trade Me causes injury or damage, you are liable. Trade Me's Buyer Protection does not cover the seller — it protects buyers from fraud. Recommended: Public/Product Liability Amazon AU/NZ Sellers Amazon may require third-party sellers to hold product liability insurance once they reach certain revenue thresholds. Amazon's A-to-Z Guarantee covers buyers, not sellers. You remain liable for product safety. Recommended: Product Liability + Cyber Shopify Store Owners Shopify provides the platform but does not insure your business. You are responsible for product liability, cyber security (especially if you handle payment data outside Shopify Payments), and stock protection. Recommended: Product Liability + Cyber + Stock Own Website / WooCommerce Running your own e-commerce site gives you full control — and full responsibility. You handle payments, store data, and manage security. Cyber insurance is particularly important as you manage more of the technology stack yourself. Recommended: Product Liability + Cyber + Business Interruption Payment Fraud Protection Online businesses face payment fraud from multiple angles. Understanding what is insurable — and what is not — helps you manage your risk. Chargeback Fraud Fraudulent chargebacks occur when a buyer claims they did not authorise a transaction, or did not receive goods they did receive. The payment processor reverses the charge and debits your account. Most standard insurance policies do not cover chargeback losses — this is a business risk managed through fraud prevention tools, address verification, and delivery confirmation. Stolen Card Fraud Orders placed with stolen credit cards result in chargebacks once the cardholder disputes the charge. You lose both the goods and the payment. While insurance typically does not cover these losses directly, cyber insurance may cover the costs of investigating and responding to a fraud pattern targeting your site. Social Engineering Fraud Fraudsters impersonate suppliers, banks, or staff to trick you into making payments to wrong accounts. Some cyber insurance policies include social engineering cover as an add-on. Check your policy wording — it is not always included by default. Reducing Fraud Risk Use address verification (AVS), 3D Secure (Verified by Visa / Mastercard SecureCode), delivery confirmation with signatures for high-value orders, and fraud scoring tools built into platforms like Shopify and Stripe. These reduce your exposure and may help keep insurance premiums lower. Insurance vs Fraud Prevention Insurance is not a substitute for fraud prevention. Most policies exclude losses from inadequate security practices. Implement strong fraud prevention measures first, then use insurance to cover residual risk from sophisticated attacks and data breaches. Frequently Asked Questions Common questions about insurance for e-commerce businesses in New Zealand. Do online businesses need insurance in New Zealand? There is no legal requirement to hold business insurance as an online seller in NZ. However, if you sell products to consumers, you have obligations under the Consumer Guarantees Act 1993 and the Fair Trading Act 1986. If a product you sell causes injury or damage, you can be held liable regardless of whether you manufactured it. Insurance protects your business from these claims. What is product liability insurance and do e-commerce businesses need it? Product liability insurance covers claims made against you when a product you sell causes injury or property damage. Under NZ law, both manufacturers and retailers can be held liable. If you import products, you are treated as the manufacturer for liability purposes. Product liability is typically included within a public liability policy, but check your policy wording to confirm. What does cyber insurance cover for e-commerce? Cyber insurance covers the costs arising from data breaches, hacking, ransomware attacks, and other cyber incidents. For e-commerce businesses, this typically includes notification costs (informing affected customers), forensic investigation, credit monitoring for affected customers, business interruption from website downtime, regulatory fines, and public relations costs to manage reputational damage. Do I need insurance to sell on Trade Me or Shopify? Neither Trade Me nor Shopify require sellers to hold insurance. However, you are still legally liable for the products you sell, regardless of the platform. If you sell products that could cause injury or property damage — electronics, cosmetics, children's products, food — product liability insurance is strongly recommended. Marketplace platforms generally do not indemnify sellers against claims. Does my home insurance cover my e-commerce business? Usually not. Most home insurance policies exclude business activities and business stock. If you store inventory at home, your home contents policy may not cover it. If a delivery driver trips on your property while collecting parcels, your home policy may exclude the claim because it arose from business activity. You need separate business insurance to cover stock, liability, and business-related risks. How much does e-commerce insurance cost in NZ? A basic e-commerce insurance package typically starts from around $90/month, covering public liability, product liability, and basic cyber cover. Costs vary depending on your turnover, the types of products you sell, whether you hold stock, and the level of cyber cover you need. High-risk products (electronics, supplements, children's items) attract higher premiums. Get Your E-commerce Insurance Quote Compare quotes from NZ insurers in minutes. No obligation, no upfront cost. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • Operated by Evolve Group Limited (FSP711891) SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-freelancers/ Freelancer Insurance NZ - Professional Indemnity for Self-Employed SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Freelancer Insurance NZ Affordable insurance for self-employed freelancers and independent contractors. Protect your business and income from professional liability claims. Get Free Quotes Compare Coverage Quick Quote Public Liability From $12/month Professional Indemnity From $20/month Cyber Insurance From $25/month Typical Cost $50-120/month Essential Insurance for Freelancers Specialized coverage tailored to the unique risks faced by freelancers Professional Indemnity Essential Protection for freelance work errors and negligence claims From $20/month Learn more → Public Liability Recommended Coverage for third-party injury and property damage From $12/month Learn more → Cyber Insurance If handling data Protection for data breaches and cyber risks From $25/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Client Dispute Over Work Client claimed deliverables didn't meet contract requirements. Professional indemnity covered $28,000 legal defense. Illustrative example: $28,000 Missed Deadline Claim Project delay led to client financial loss claim. Professional indemnity covered $45,000 settlement. Illustrative example: $45,000 Copyright Infringement Accused of using client's IP inappropriately. Professional indemnity covered $35,000 in legal costs. Illustrative example: $35,000 Equipment Damage Client's equipment damaged while in freelancer's care. Public liability covered $8,000 replacement. Illustrative example: $8,000 Why Freelancers Need Insurance Win Better Clients Corporate and government clients often require freelancers to have professional indemnity insurance. Protect Your Income One claim could wipe out months of earnings. Insurance protects your freelance income and savings. Peace of Mind Focus on your work knowing you're protected from unexpected claims and disputes. Get Your Freelancers Insurance Quote Join thousands of freelancers across New Zealand who trust us for their insurance needs. Compare quotes from top NZ insurers in minutes. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • 24-hour coverage available SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-retailers/ Retail Insurance NZ - Shop & Store Business Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Retail Insurance NZ Comprehensive insurance for retail stores and shops. Protect your stock, premises, and business from theft, damage, and liability claims. Get Free Quotes Compare Coverage Quick Quote Public Liability From $20/month Professional Indemnity Not Required Stock & Contents From $40/month Typical Cost $100-250/month Essential Insurance for Retailers Specialized coverage tailored to the unique risks faced by retailers Public Liability Insurance Essential Protection for customer injuries and accidents in your store From $20/month Learn more → Stock & Contents Insurance Essential Coverage for inventory, fixtures, and equipment From $40/month Learn more → Business Interruption Recommended Coverage for lost income during forced closure From $30/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Customer Slip and Fall Customer injured in store slip-and-fall accident. Public liability covered $85,000 in medical and legal costs. Illustrative example: $85,000 Stock Theft Retail theft and break-in resulted in $45,000 stock loss. Stock insurance provided full replacement. Illustrative example: $45,000 Fire Damage Fire damaged store and destroyed $120,000 in stock. Business interruption covered lost income during rebuild. Illustrative example: $120,000 Product Liability Sold product caused customer injury. Public liability covered $65,000 in compensation and legal fees. Illustrative example: $65,000 Why Retailers Need Insurance Protect Your Investment Your stock, fixtures, and fitout represent significant capital. Insurance replaces it if damaged or stolen. Customer Safety Public liability protects you from potentially devastating customer injury claims. Business Continuity Business interruption insurance keeps you afloat during forced closures or recovery periods. Get Your Retailers Insurance Quote Join thousands of retailers across New Zealand who trust us for their insurance needs. Compare quotes from top NZ insurers in minutes. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • 24-hour coverage available SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-tech-startups/essential-cover/ Essential Insurance for Tech Startups NZ — 6-Cover Checklist (PI + Cyber + PL + D&O + Contents + Statutory) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tech startup insurance / Essential cover Essential insurance for NZ tech startups — 6-cover checklist PI + Cyber + PL as the day-1 stack. D&O when you take an external board seat. Statutory Liability when you have employees or material data processing. 1 Professional Indemnity (PI) What it covers: Protects against client claims for errors in your software, advice or service. When you need it: Day 1 of paying customers. Indicative cost: $35–$80/month Typical limit: $1M–$2M Investor due-diligence checklists routinely request a current PI certificate. 2 Cyber Insurance What it covers: Costs from data breaches, ransomware, BEC, regulatory investigations under the Privacy Act 2020, cyber business interruption. When you need it: Day 1 if you handle customer data. Indicative cost: $30–$120/month Typical limit: $500K–$2M Privacy Act 2020 mandates notification of serious breaches. Cyber covers the notification cost + forensic response. 3 Public Liability (PL) What it covers: Third-party bodily injury or property damage from your business activities, including legal defence. When you need it: Required by most office leases and any in-person event. Indicative cost: $15–$35/month Typical limit: $1M–$2M Often bundled with Contents in a Combined Business Policy at a small additional premium. 4 Directors & Officers (D&O) What it covers: Personal liability of directors and officers for decisions in their role. Covers defence costs and settlements. When you need it: When you take an external board seat or institutional investment. Indicative cost: $100–$300/month Typical limit: $1M–$5M Investors and board candidates may require D&O as a condition of joining. 5 Business Contents What it covers: Laptops, monitors, dev kit, office equipment against fire, theft, accidental damage. When you need it: Shared office or significant kit in one location. Indicative cost: $15–$50/month Typical limit: Sum-insured = total kit value Cover follows the equipment to home offices on most NZ policies; confirm with the wording. 6 Statutory Liability What it covers: Fines (where insurable) and reparations under HSWA 2015, Privacy Act 2020, Fair Trading Act. When you need it: Once you have employees or process personal data at scale. Indicative cost: $25–$80/month Typical limit: $500K–$1M Criminal fines under HSWA cannot be insured; defence costs and reparations typically can. FAQ What insurance is essential for startups in New Zealand? Six essentials: Professional Indemnity, Cyber Insurance, Public Liability, Directors & Officers, Business Contents, and Statutory Liability. The smallest viable starting stack is PI + Cyber + PL — add D&O when you take an external board seat, and Statutory Liability when you have employees or process personal data at scale. Which of these is needed first? Day 1: PI + Cyber + PL if you have paying customers and handle data. D&O kicks in when you have an external board or institutional investors. Statutory Liability kicks in with employees or material data processing. Do investors actually check? Most institutional investors and many strategic clients request a Certificate of Currency for PI and Cyber as a standard due-diligence item before contract signing or investment closing. Get your startup cover stack quoted Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-tech-startups/ Tech Startup Insurance NZ 2026 — 6 Essentials: PI, Cyber, PL, D&O, Contents, Statutory SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tech Startup Insurance NZ Specialized insurance for technology startups and IT companies. Protect your SaaS, app, or tech business from cyber risks and professional liability. Get Free Quotes Compare Coverage Quick Quote Public Liability From $15/month Professional Indemnity From $30/month Cyber Insurance From $35/month Typical Cost $80-200/month Essential Insurance for Tech Startups Specialized coverage tailored to the unique risks faced by tech startups Cyber Insurance Essential Essential protection for data breaches, ransomware, and cyber attacks From $35/month Learn more → Professional Indemnity Essential Coverage for software errors, service failures, and E&O claims From $30/month Learn more → Public Liability Recommended Protection for office operations and client interactions From $15/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Ransomware Attack SaaS platform hit by ransomware affecting 340 customers. Cyber insurance covered $225,000 in recovery costs. Illustrative example: $225,000 Software Bug Causes Client Loss Critical software bug led to client financial losses. Professional indemnity covered $150,000 claim. Illustrative example: $150,000 Data Breach Customer data exposed in security breach. Cyber insurance covered $95,000 in notification and PR costs. Illustrative example: $95,000 Service Outage Platform downtime caused client revenue loss. Professional indemnity covered $80,000 compensation. Illustrative example: $80,000 Why Tech Startups Need Insurance Cyber Threats Are Real Tech companies are prime targets for cyber attacks — handling customer data, payment information, and intellectual property makes startups particularly exposed. Client Requirements Enterprise clients and investors often require proof of cyber and professional indemnity insurance. Protect Your Runway One major claim could bankrupt your startup. Insurance protects your business and investor capital. Get Your Tech Startups Insurance Quote Join thousands of tech startups across New Zealand who trust us for their insurance needs. Compare quotes from top NZ insurers in minutes. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • 24-hour coverage available SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurance-for-tradies/ Tradie Insurance NZ 2026 — Public Liability, Tools & Vehicle Cover for Builders, Plumbers, Electricians SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tradie Insurance NZ Comprehensive insurance for New Zealand tradespeople. Protect your tools, equipment, and business with specialized coverage designed for tradies. Get Free Quotes Compare Coverage Quick Quote Public Liability From $15/month Professional Indemnity From $25/month Tools & Equipment From $12/month Business Vehicle From $40/month Typical Cost $80-180/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. Essential Insurance for Tradies Specialized coverage tailored to the unique risks faced by New Zealand tradespeople. Public Liability Insurance Essential Protection against third-party injury and property damage claims at job sites. Required by most clients and builders. From $15/month Learn more → Tool & Equipment Insurance Highly Recommended Coverage for theft, loss, and damage to your tools and equipment — on site, in your vehicle, or at home. From $12/month Learn more → Professional Indemnity Recommended Protection for licensed tradespeople against claims for errors, omissions, or faulty workmanship. From $25/month Learn more → Business Vehicle Insurance Recommended Commercial vehicle cover for work vans, utes, and trucks. Covers accidental damage, theft, and third-party liability. From $40/month Learn more → Statutory Liability Recommended Covers fines and legal costs for unintentional breaches of health and safety or employment law. From $10/month Learn more → Business Interruption Optional Income protection if your business is interrupted by an insured event — fire, flood, or major equipment failure. From $20/month Learn more → Common Risks & Claims Illustrative examples of common business risks. Amounts shown are hypothetical. Property Damage at Job Site Plumber accidentally drilled through a water pipe, flooding a client's kitchen and damaging cabinetry. Public liability covered $45,000 in repairs and legal costs. Illustrative example: $45,000 Tools Stolen from Van $8,000 worth of power tools and hand tools stolen from a work van overnight. Tool insurance provided full replacement. Illustrative example: $8,000 Third-Party Injury Claim Client tripped over power cables left across a hallway during electrical work. Public liability covered $65,000 in medical and legal expenses. Illustrative example: $65,000 Faulty Workmanship Claim Incorrect wiring installation caused an appliance to fail and a small fire. Professional indemnity covered $32,000 in remediation and client losses. Illustrative example: $32,000 Why Tradies Need Insurance Protect Your Tools Tools are your livelihood. Insurance replaces stolen or damaged equipment so you can keep working without a massive out-of-pocket expense. Win More Work Many clients and builders require proof of public liability insurance before you can start work. Insurance opens doors to more and better-paying jobs. Peace of Mind Focus on your trade knowing you are protected from unexpected claims, theft, and accidents that could otherwise threaten your business. Insurance by Trade Different trades face different risks. Here is what each trade typically needs and why. Electricians Electrical work carries fire and electrocution risk. Faulty wiring can cause property damage long after the job is done. Professional indemnity is important because errors may not surface for months. Key cover: Public Liability + Professional Indemnity Plumbers Water damage is one of the most common — and expensive — liability claims. A burst fitting or incorrect connection can flood a property and damage floors, walls, and belongings. Key cover: Public Liability + Professional Indemnity Painters & Decorators Painters work in and around client property — paint spills, scaffold damage, and accidental damage to furnishings are common risks. Working at height adds further exposure. Key cover: Public Liability + Equipment Landscapers Landscaping involves heavy machinery, excavation, and working on client properties. Underground services (water, gas, fibre) and damage to driveways, fences, and gardens are common claim triggers. Key cover: Public Liability + Equipment Fencers Fencing work involves digging near boundary lines and underground services. Hitting a fibre cable, water main, or power line during post-hole boring can result in significant claims. Key cover: Public Liability Tilers & Concrete Layers Tiling and concrete work carries risk of property damage (scratched surfaces, incorrect falls, cracked tiles) and potential for rectification claims if work does not meet standards. Key cover: Public Liability + Professional Indemnity What ACC Doesn't Cover for Tradies Many tradies assume ACC covers them for everything. It does not. ACC covers personal injury only — here are the gaps you need to fill with business insurance. Property Damage ACC does not cover damage you cause to a client's property. If you flood a kitchen, crack a driveway, or damage wiring, you need public liability insurance to cover the repair costs. Consequential Losses If your work causes a client to lose rental income, close their business temporarily, or incur accommodation costs, ACC will not cover those losses. You could be sued directly. Exemplary Damages Courts can award exemplary (punitive) damages against you if your conduct is found to be reckless or grossly negligent. ACC does not cover these — they can only be covered by insurance or paid out of your own pocket. Legal Defence Costs If you are sued for property damage or professional negligence, ACC does not pay for your lawyer. Legal defence can cost $10,000-$50,000+ even if the claim is unfounded. Public liability insurance covers legal defence costs. Stress & Mental Harm Claims Claims for emotional distress, stress, or anxiety caused by your work are not covered by ACC. These can arise in neighbour disputes, noise complaints, or prolonged construction projects. Your Own Tools & Equipment ACC covers injuries to people, not damage to things. If your tools are stolen, your van is broken into, or your equipment is damaged on site, ACC provides nothing. You need tool or contents insurance. Indicative Pricing by Trade Indicative monthly premiums for different trades. Your actual premium will depend on your turnover, claims history, cover limits, and specific circumstances. Trade Public Liability Professional Indemnity Tools Typical Total Electrician Domestic & commercial wiring From $18/mo From $25/mo From $12/mo $60-150/mo Plumber Plumbing, gasfitting, drainlaying From $20/mo From $25/mo From $15/mo $65-180/mo Painter Interior & exterior painting From $15/mo Often not needed From $10/mo $30-90/mo Landscaper Garden design, earthworks, planting From $18/mo From $20/mo From $15/mo $55-150/mo Fencer Residential & rural fencing From $15/mo Often not needed From $12/mo $30-80/mo Tiler Floor & wall tiling From $15/mo From $20/mo From $10/mo $50-120/mo Concrete Layer Driveways, foundations, slabs From $20/mo From $20/mo From $15/mo $60-160/mo All prices shown are indicative only and represent starting points. Your actual premium will be determined by your insurer based on a full assessment of your business. Tool & Equipment Cover for Tradies Your tools are your livelihood. Without them, you cannot work and you cannot earn. Tool insurance protects you from theft, accidental damage, and fire — so you can get back to work fast. What's Typically Covered ✓ Theft from your vehicle (with security requirements) ✓ Theft from a job site ✓ Accidental damage during use ✓ Fire, storm, and flood damage ✓ New-for-old replacement on most policies What's Typically Not Covered ✗ Tools left in an unlocked vehicle ✗ Normal wear and tear ✗ Gradual deterioration or rust ✗ Items below the excess amount ✗ Consumable items (blades, bits, sandpaper) Keep a Tool Inventory Photograph your tools, record serial numbers, and keep receipts. This makes claims faster and ensures you receive the correct replacement value. Many insurers require an itemised list for higher-value claims. See our tool insurance guide for more details. Working on Client Properties Every time you enter a client's home or commercial property to work, you are surrounded by property that is not yours. One accident can be expensive. Here is how to protect yourself. Document Existing Damage Before starting work, take photos of the work area and any existing damage. This protects you from being blamed for pre-existing issues. A quick walk-through with the client, noting any scratches, stains, or damage, takes five minutes and can save you thousands. Protect Surrounding Areas Use drop cloths, protective coverings, and dust barriers. If paint splatters on a client's carpet or dust damages electronics, you will be liable. Prevention is cheaper than a claim. Notify Your Insurer of High-Value Work If you are working in a property with unusually high-value contents — expensive art, server rooms, heritage features — check whether your policy has adequate limits. Standard public liability may have sub-limits for certain types of damage. Report Damage Immediately If you cause accidental damage, report it to your insurer promptly. Delayed reporting can complicate or even void your claim. Most policies require notification within a reasonable time frame — do not wait until the client complains. Frequently Asked Questions Common questions about insurance for tradies in New Zealand. Do tradies need insurance in New Zealand? There is no legal requirement for tradies to hold business insurance in NZ. However, many clients, builders, and property managers require proof of public liability insurance before you can start work. Without insurance, you are personally liable for any damage or injury your work causes — and a single claim can easily exceed $50,000. What does ACC cover for tradies — and what doesn't it cover? ACC covers personal injury to you and your workers. It does not cover damage to a client's property, consequential losses (such as a client's lost rental income from water damage you caused), exemplary damages, stress or emotional harm claims, or your legal defence costs. If your work damages someone's property or causes financial loss, you need public liability or professional indemnity insurance. How much public liability cover do tradies need? Most tradies need at least $1 million in public liability cover. If you work on commercial sites, larger residential projects, or as a subcontractor to a head contractor, you may need $2 million or more. Check your contracts — many specify a minimum cover amount before you can start on site. Is tool insurance worth it for tradies? If you rely on your tools to earn a living, tool insurance is well worth it. Replacing a full set of trade tools after theft can cost $5,000-$20,000 or more, depending on your trade. Tool insurance typically costs from $12-25/month — far less than the cost of replacement. Most policies cover theft, accidental damage, and fire. Can I get insurance as a sole trader tradie? Yes. Many NZ insurers offer policies specifically designed for sole trader tradespeople. You do not need to be a limited company to get business insurance. Premiums are typically lower for sole traders because the exposure is reduced compared to larger operations with employees. What is the difference between public liability and professional indemnity for tradies? Public liability covers physical damage and injury — for example, accidentally drilling through a water pipe and flooding a client's home, or a client tripping over your equipment. Professional indemnity covers financial loss from errors in your professional work — for example, an electrician who wires a switchboard incorrectly, causing an appliance to fail and the client to lose income. Most tradies need public liability; professional indemnity is more relevant for licensed trades like electricians, plumbers, and gasfitters. Get Your Tradie Insurance Quote Compare quotes from NZ insurers in minutes. No obligation, no upfront cost. Get Free Quotes Now Speak to an Expert Free quotes • No obligations • Operated by Evolve Group Limited (FSP711891) SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/aig/ AIG — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · AIG NZ business insurer AIG AIG Insurance New Zealand Limited · Part of American International Group Educational profile — not on Evolve Group's current distribution panel Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Product types commonly written public liability professional indemnity cyber liability directors and officers management liability marine Industries commonly served technology professional services manufacturing financial services energy Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with AIG. This profile is provided for educational purposes only — to obtain cover with AIG, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.aig.co.nz/about-aig Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/allianz/ Allianz — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · Allianz NZ business insurer Allianz Allianz New Zealand Limited · Part of Allianz SE Educational profile — not on Evolve Group's current distribution panel European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Product types commonly written public liability commercial property commercial vehicle marine engineering Industries commonly served manufacturing construction marine transport professional services Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with Allianz. This profile is provided for educational purposes only — to obtain cover with Allianz, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.allianz.co.nz/about-allianz Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/amp/ AMP Business Insurance — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · AMP Business Insurance NZ business insurer AMP Business Insurance AMP Business Insurance (Vero underwritten) · Part of Vero (Suncorp) ✓ On Evolve Group's current distribution panel (direct Evolve panel) Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Product types commonly written public liability commercial property business interruption professional indemnity small business package Industries commonly served professional services retail hospitality trades manufacturing Distribution status via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote Sources https://www.amp.co.nz/business-insurance Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/ando/ Ando — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · Ando NZ business insurer Ando Ando Insurance Group Limited · Part of Hollard Group (Australia) ✓ On Evolve Group's current distribution panel (referral to Blanket Advice Limited (FSP1004126), who place business with Ando) New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. Product types commonly written public liability commercial property commercial vehicle small business package Industries commonly served retail hospitality professional services trades small business Distribution status via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with Ando, via referral to Blanket Advice Limited (FSP1004126), who place business with Ando. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote Sources https://www.ando.co.nz/about Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/bhsi/ Berkshire Hathaway Specialty Insurance — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · Berkshire Hathaway Specialty Insurance NZ business insurer Berkshire Hathaway Specialty Insurance Berkshire Hathaway Specialty Insurance · Part of Berkshire Hathaway Educational profile — not on Evolve Group's current distribution panel Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Product types commonly written public liability professional indemnity directors and officers commercial property marine construction Industries commonly served construction manufacturing energy transport professional services Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This profile is provided for educational purposes only — to obtain cover with Berkshire Hathaway Specialty Insurance, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.bhspecialty.com/about-us.html Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/chubb/ Chubb — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · Chubb NZ business insurer Chubb Chubb Insurance New Zealand Limited · Part of Chubb Limited Educational profile — not on Evolve Group's current distribution panel Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Product types commonly written public liability professional indemnity cyber liability commercial property marine specialty Industries commonly served technology manufacturing professional services financial services healthcare Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with Chubb. This profile is provided for educational purposes only — to obtain cover with Chubb, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.chubb.com/nz-en/about-chubb.html Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/fmg/ FMG — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · FMG NZ business insurer FMG Farmers' Mutual Group · Part of FMG (mutual) Educational profile — not on Evolve Group's current distribution panel New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Product types commonly written public liability commercial property commercial vehicle farm insurance rural commercial Industries commonly served agriculture horticulture rural commercial trades-rural Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with FMG. This profile is provided for educational purposes only — to obtain cover with FMG, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.fmg.co.nz/about-fmg Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/ NZ Business Insurer Profiles — Educational Directory | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurer Profiles New Zealand business insurers Educational profiles of 10 insurers active in the New Zealand business-insurance market — including parent group, product types, industries commonly served, and current distribution status via Evolve Group's adviser panel. On Evolve Group's current distribution panel SmallBusinessInsurance.co.nz can route enquiries to these insurers via Evolve Group's FAP-licensed advisory service. AMP Business Insurance AMP Business Insurance (Vero underwritten) · Vero (Suncorp) On panel · direct Evolve panel Ando Ando Insurance Group Limited · Hollard Group (Australia) On panel · referral to Blanket Advice Limited (FSP1004126), who place business with Ando Vero Vero Insurance New Zealand Limited · Suncorp New Zealand On panel · AMP Business Insurance Other major NZ business insurers (educational only) Evolve Group does not currently have a distribution relationship with these insurers. Profiles are for educational comparison; to place cover with any of these insurers, contact a commercial broker who holds the relevant agency. AIG AIG Insurance New Zealand Limited · American International Group Educational Allianz Allianz New Zealand Limited · Allianz SE Educational Berkshire Hathaway Specialty Insurance Berkshire Hathaway Specialty Insurance · Berkshire Hathaway Educational Chubb Chubb Insurance New Zealand Limited · Chubb Limited Educational FMG Farmers' Mutual Group · FMG (mutual) Educational NZI NZI Insurance · IAG New Zealand Educational QBE QBE Insurance (International) Limited (NZ branch) · QBE Insurance Group Educational Methodology and limits Each profile is manually curated from the insurer's public website, the New Zealand Companies Office register, and secondary public sources. Profiles describe what each insurer commonly offers in the NZ business-insurance market and which industries they typically serve. The On Evolve Group's panel classification reflects current distribution relationships listed in Evolve Group's most recent public Disclosure Statement (last verified March 2025). Distribution panels can change; for the authoritative current panel, refer to the Disclosure Statement linked in the site footer. These profiles are educational. SmallBusinessInsurance.co.nz does not vet, verify, rate, or endorse any insurer. Where Evolve Group does not hold a current distribution relationship, the profile is informational only. Machine-readable surface Each profile is also available as structured data: JSON facts: /api/insurer/[slug]/facts.json Markdown summary: /api/insurer/[slug]/summary.md MCP server: /mcp (Streamable HTTP JSON-RPC 2.0) llms.txt: /llms.txt SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/nzi/ NZI — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · NZI NZ business insurer NZI NZI Insurance · Part of IAG New Zealand Educational profile — not on Evolve Group's current distribution panel One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Product types commonly written public liability professional indemnity commercial property commercial vehicle marine construction engineering Industries commonly served construction manufacturing transport agriculture marine professional services Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with NZI. This profile is provided for educational purposes only — to obtain cover with NZI, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.nzi.co.nz/about-us https://www.iag.co.nz Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/qbe/ QBE — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · QBE NZ business insurer QBE QBE Insurance (International) Limited (NZ branch) · Part of QBE Insurance Group Educational profile — not on Evolve Group's current distribution panel Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Product types commonly written public liability professional indemnity commercial property marine trade credit construction Industries commonly served construction manufacturing trade marine professional services Distribution status via Evolve Group Evolve Group does not currently have a distribution relationship with QBE. This profile is provided for educational purposes only — to obtain cover with QBE, contact a commercial insurance broker who holds a current binder or agency with them. Sources https://www.qbe.com/nz/about-us Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/insurers/vero/ Vero — NZ business insurance profile | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home · Insurer profiles · Vero NZ business insurer Vero Vero Insurance New Zealand Limited · Part of Suncorp New Zealand ✓ On Evolve Group's current distribution panel (AMP Business Insurance) One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Product types commonly written public liability professional indemnity business interruption commercial property commercial vehicle cyber liability directors and officers Industries commonly served construction retail hospitality professional services manufacturing agriculture Underwrites the following brands · AMP Business Insurance Distribution status via Evolve Group Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote Sources https://www.vero.co.nz/about-us https://www.suncorpgroup.com.au Machine-readable facts.json — structured profile data summary.md — LLM-friendly markdown wording.md — policy wording (markdown) /mcp — MCP server for AI agent integration SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This profile is an educational mirror of public information about a NZ business insurer. It is not financial or insurance advice and is not a placement recommendation. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/privacy/ Privacy Policy - Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Privacy Policy How we protect and use your information Last updated: April 2026 Information We Collect When you request insurance quotes through our platform, we collect: Business information (name, industry, size, revenue) Contact details (name, email, phone number) Insurance requirements and coverage preferences Usage data and website analytics How We Use Your Information We use your information to: Provide personalized insurance quotes Connect you with appropriate insurance providers Improve our services and website experience Send relevant insurance information and updates Sharing Your Information with Insurance Brokers When you submit a quote request through SmallBusinessInsurance.co.nz, we share your information with licensed insurance brokers who can provide you with quotes and advice. Currently, we primarily work with: Evolve Group Limited FSP Number: 711891 Status: Licensed Financial Advice Provider Regulator: Financial Markets Authority (FMA) Role: Receives your enquiry, makes initial contact, and either provides advice directly (personal risk, life/key-person cover) or refers your enquiry to Blanket Advice Limited for business insurance. Blanket Advice Limited FSP Number: 1004126 Status: Licensed Financial Advice Provider Regulator: Financial Markets Authority (FMA) Role: Where your enquiry concerns business insurance, Evolve Group Limited refers your details to Blanket Advice Limited, who will provide regulated financial advice and obtain quotes from their panel of insurers. Disclosure: blanket.co.nz/blanket-advice-limited-disclosure Important: We may also pass your details to other licensed insurance advisers or brokers where the cover you require sits outside the panel of Evolve Group Limited or Blanket Advice Limited. Any such referral will only be to an FSPR-registered Financial Advice Provider. All advisers and brokers we work with are registered on the Financial Service Providers Register (FSPR) in New Zealand and are required to comply with New Zealand privacy laws. Your Rights Under New Zealand privacy law, you have the right to: Access your personal information Request correction of inaccurate information Request deletion of your information Opt-out of marketing communications Dispute Resolution If you have a privacy concern that we cannot resolve to your satisfaction, you can contact our dispute resolution scheme: Financial Services Complaints Limited (FSCL) Level 4, 101 Lambton Quay, Wellington 6011 Email: info@fscl.org.nz Phone: 0800 347 257 Website: www.fscl.org.nz Contact Us For privacy-related inquiries, contact us at: Get Your Insurance Quote Ready to protect your business? Request a no-obligation quote — your dedicated adviser will be in touch within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/cyber-liability/ AIG — Cyber Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Cyber Liability AIG — Cyber Liability AIG writes cyber liability cover for New Zealand businesses. This page explains what cyber liability typically covers and how to arrange AIG cover. What cyber liability covers Cyber liability responds to the costs of a cyber incident — data breach, ransomware, or business email compromise — including response, recovery, and third-party liability. Incident response and IT forensics Business interruption from a cyber event Privacy / third-party liability Who commonly needs it: Any business that holds customer data, takes online payments, or relies on IT systems to operate. Cover often requires baseline security controls (e.g. MFA, backups) to be in place. Arranging AIG cyber liability cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/directors-and-officers/ AIG — Directors And Officers | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Directors And Officers AIG — Directors And Officers AIG writes directors and officers cover for New Zealand businesses. This page explains what directors and officers typically covers and how to arrange AIG cover. What directors and officers covers Directors and officers (D&O) covers the personal liability of directors and officers for alleged wrongful acts in managing the company. Defence costs for covered allegations against directors/officers Certain regulatory investigation costs Wrongful-act claims Who commonly needs it: Companies with a board, incorporated societies, and not-for-profits with appointed officers. Often bundled with statutory and employment-practices liability as management liability. Arranging AIG directors and officers cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/management-liability/ AIG — Management Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Management Liability AIG — Management Liability AIG writes management liability cover for New Zealand businesses. This page explains what management liability typically covers and how to arrange AIG cover. What management liability covers Management liability bundles several covers a private company commonly needs to protect the business and its managers, typically including D&O, statutory liability, and employment practices. Directors and officers liability Statutory liability Employment practices liability Who commonly needs it: Privately held SMEs that want the management-protection covers in one package. Exact sections vary by insurer — read the schedule for what's included. Arranging AIG management liability cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/marine/ AIG — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Marine AIG — Marine AIG writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange AIG cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging AIG marine cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/professional-indemnity/ AIG — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Professional Indemnity AIG — Professional Indemnity AIG writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange AIG cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging AIG professional indemnity cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/aig/public-liability/ AIG — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AIG › Public Liability AIG — Public Liability AIG writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange AIG cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging AIG public liability cover Evolve Group does not currently have a distribution relationship with AIG. This page is educational only. To arrange AIG cover, engage a commercial insurance broker who holds an agency or binder with AIG. Get a quote → About AIG Global commercial insurer with a New Zealand subsidiary. Strong focus on specialty lines: cyber liability, directors and officers, professional indemnity, and complex commercial risks. Typically accessed through commercial insurance brokers. Full AIG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/allianz/commercial-property/ Allianz — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Allianz › Commercial Property Allianz — Commercial Property Allianz writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange Allianz cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging Allianz commercial property cover Evolve Group does not currently have a distribution relationship with Allianz. This page is educational only. To arrange Allianz cover, engage a commercial insurance broker who holds an agency or binder with Allianz. Get a quote → About Allianz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Full Allianz profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/allianz/commercial-vehicle/ Allianz — Commercial Vehicle | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Allianz › Commercial Vehicle Allianz — Commercial Vehicle Allianz writes commercial vehicle cover for New Zealand businesses. This page explains what commercial vehicle typically covers and how to arrange Allianz cover. What commercial vehicle covers Commercial vehicle insurance covers vehicles used for business — utes, vans, trucks, and fleets — for damage and third-party liability arising from their use. Accidental damage to the insured vehicle Third-party damage liability Theft and fire (where selected) Who commonly needs it: Trades, couriers, transport operators, and any business running vehicles for work. Tools and goods in transit are often a separate or add-on cover. Arranging Allianz commercial vehicle cover Evolve Group does not currently have a distribution relationship with Allianz. This page is educational only. To arrange Allianz cover, engage a commercial insurance broker who holds an agency or binder with Allianz. Get a quote → About Allianz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Full Allianz profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/allianz/engineering/ Allianz — Engineering | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Allianz › Engineering Allianz — Engineering Allianz writes engineering cover for New Zealand businesses. This page explains what engineering typically covers and how to arrange Allianz cover. What engineering covers Engineering insurance covers plant, machinery, and equipment for breakdown and related exposures, plus inspection of pressure and lifting equipment. Machinery breakdown Plant and equipment Statutory inspection (where applicable) Who commonly needs it: Manufacturers, contractors, and businesses operating boilers, machinery, or lifting plant. Often sits alongside material damage rather than replacing it. Arranging Allianz engineering cover Evolve Group does not currently have a distribution relationship with Allianz. This page is educational only. To arrange Allianz cover, engage a commercial insurance broker who holds an agency or binder with Allianz. Get a quote → About Allianz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Full Allianz profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/allianz/marine/ Allianz — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Allianz › Marine Allianz — Marine Allianz writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange Allianz cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging Allianz marine cover Evolve Group does not currently have a distribution relationship with Allianz. This page is educational only. To arrange Allianz cover, engage a commercial insurance broker who holds an agency or binder with Allianz. Get a quote → About Allianz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Full Allianz profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/allianz/public-liability/ Allianz — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Allianz › Public Liability Allianz — Public Liability Allianz writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange Allianz cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging Allianz public liability cover Evolve Group does not currently have a distribution relationship with Allianz. This page is educational only. To arrange Allianz cover, engage a commercial insurance broker who holds an agency or binder with Allianz. Get a quote → About Allianz European commercial insurer with NZ operations. Notable strength in engineering, marine, and large commercial property risks. Broker-distributed. Full Allianz profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/amp/business-interruption/ AMP Business Insurance — Business Interruption | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AMP Business Insurance › Business Interruption AMP Business Insurance — Business Interruption AMP Business Insurance writes business interruption cover for New Zealand businesses. This page explains what business interruption typically covers and how to arrange AMP Business Insurance cover. What business interruption covers Business interruption covers the income a business loses, and the extra costs it incurs, while it recovers from insured physical damage. It complements material damage cover. Loss of gross profit during the indemnity period Increased cost of working Ongoing fixed costs Who commonly needs it: Businesses whose revenue depends on premises, equipment, or a supply chain that could be disrupted by damage. The indemnity period should reflect how long realistic recovery would take. Arranging AMP Business Insurance business interruption cover Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About AMP Business Insurance Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Full AMP Business Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/amp/commercial-property/ AMP Business Insurance — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AMP Business Insurance › Commercial Property AMP Business Insurance — Commercial Property AMP Business Insurance writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange AMP Business Insurance cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging AMP Business Insurance commercial property cover Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About AMP Business Insurance Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Full AMP Business Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/amp/professional-indemnity/ AMP Business Insurance — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AMP Business Insurance › Professional Indemnity AMP Business Insurance — Professional Indemnity AMP Business Insurance writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange AMP Business Insurance cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging AMP Business Insurance professional indemnity cover Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About AMP Business Insurance Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Full AMP Business Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/amp/public-liability/ AMP Business Insurance — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AMP Business Insurance › Public Liability AMP Business Insurance — Public Liability AMP Business Insurance writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange AMP Business Insurance cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging AMP Business Insurance public liability cover Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About AMP Business Insurance Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Full AMP Business Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/amp/small-business-package/ AMP Business Insurance — Small Business Package | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › AMP Business Insurance › Small Business Package AMP Business Insurance — Small Business Package AMP Business Insurance writes small business package cover for New Zealand businesses. This page explains what small business package typically covers and how to arrange AMP Business Insurance cover. What small business package covers A small business package bundles the core covers most SMEs need — property, liability, and business interruption — into one policy that's simpler to manage. Material damage / contents Public and statutory liability Business interruption Who commonly needs it: Small businesses that want broad core protection without arranging each cover separately. Convenient, but check the package limits match your actual exposures. Arranging AMP Business Insurance small business package cover Evolve Group Limited (FSP711891) has a current distribution relationship with AMP Business Insurance, via direct Evolve panel. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About AMP Business Insurance Business insurance line distributed under the AMP brand and underwritten by Vero Insurance. Common option for small-to-mid NZ business commercial cover, accessible through licensed advisers and brokers including Evolve Group. Full AMP Business Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/ando/commercial-property/ Ando — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Ando › Commercial Property Ando — Commercial Property Ando writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange Ando cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging Ando commercial property cover Evolve Group Limited (FSP711891) has a current distribution relationship with Ando, via referral to Blanket Advice Limited (FSP1004126), who place business with Ando. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Ando New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. Full Ando profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/ando/commercial-vehicle/ Ando — Commercial Vehicle | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Ando › Commercial Vehicle Ando — Commercial Vehicle Ando writes commercial vehicle cover for New Zealand businesses. This page explains what commercial vehicle typically covers and how to arrange Ando cover. What commercial vehicle covers Commercial vehicle insurance covers vehicles used for business — utes, vans, trucks, and fleets — for damage and third-party liability arising from their use. Accidental damage to the insured vehicle Third-party damage liability Theft and fire (where selected) Who commonly needs it: Trades, couriers, transport operators, and any business running vehicles for work. Tools and goods in transit are often a separate or add-on cover. Arranging Ando commercial vehicle cover Evolve Group Limited (FSP711891) has a current distribution relationship with Ando, via referral to Blanket Advice Limited (FSP1004126), who place business with Ando. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Ando New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. Full Ando profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/ando/public-liability/ Ando — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Ando › Public Liability Ando — Public Liability Ando writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange Ando cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging Ando public liability cover Evolve Group Limited (FSP711891) has a current distribution relationship with Ando, via referral to Blanket Advice Limited (FSP1004126), who place business with Ando. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Ando New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. Full Ando profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/ando/small-business-package/ Ando — Small Business Package | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Ando › Small Business Package Ando — Small Business Package Ando writes small business package cover for New Zealand businesses. This page explains what small business package typically covers and how to arrange Ando cover. What small business package covers A small business package bundles the core covers most SMEs need — property, liability, and business interruption — into one policy that's simpler to manage. Material damage / contents Public and statutory liability Business interruption Who commonly needs it: Small businesses that want broad core protection without arranging each cover separately. Convenient, but check the package limits match your actual exposures. Arranging Ando small business package cover Evolve Group Limited (FSP711891) has a current distribution relationship with Ando, via referral to Blanket Advice Limited (FSP1004126), who place business with Ando. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Ando New Zealand commercial insurer underwriting a range of business insurance products. Distributed both directly and through specialist arrangements with brokers. Common option for small-to-mid business commercial cover. Full Ando profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/commercial-property/ Berkshire Hathaway Specialty Insurance — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Commercial Property Berkshire Hathaway Specialty Insurance — Commercial Property Berkshire Hathaway Specialty Insurance writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging Berkshire Hathaway Specialty Insurance commercial property cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/construction/ Berkshire Hathaway Specialty Insurance — Construction | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Construction Berkshire Hathaway Specialty Insurance — Construction Berkshire Hathaway Specialty Insurance writes construction cover for New Zealand businesses. This page explains what construction typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What construction covers Construction insurance (contract works) covers building and civil projects against physical loss or damage during construction, alongside related liability. Contract works in progress Materials on site Construction-related public liability Who commonly needs it: Builders, developers, and contractors running construction or renovation projects. Cover is usually project- or annual-policy based; check whether subcontractors are included. Arranging Berkshire Hathaway Specialty Insurance construction cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/directors-and-officers/ Berkshire Hathaway Specialty Insurance — Directors And Officers | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Directors And Officers Berkshire Hathaway Specialty Insurance — Directors And Officers Berkshire Hathaway Specialty Insurance writes directors and officers cover for New Zealand businesses. This page explains what directors and officers typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What directors and officers covers Directors and officers (D&O) covers the personal liability of directors and officers for alleged wrongful acts in managing the company. Defence costs for covered allegations against directors/officers Certain regulatory investigation costs Wrongful-act claims Who commonly needs it: Companies with a board, incorporated societies, and not-for-profits with appointed officers. Often bundled with statutory and employment-practices liability as management liability. Arranging Berkshire Hathaway Specialty Insurance directors and officers cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/marine/ Berkshire Hathaway Specialty Insurance — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Marine Berkshire Hathaway Specialty Insurance — Marine Berkshire Hathaway Specialty Insurance writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging Berkshire Hathaway Specialty Insurance marine cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/professional-indemnity/ Berkshire Hathaway Specialty Insurance — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Professional Indemnity Berkshire Hathaway Specialty Insurance — Professional Indemnity Berkshire Hathaway Specialty Insurance writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging Berkshire Hathaway Specialty Insurance professional indemnity cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/bhsi/public-liability/ Berkshire Hathaway Specialty Insurance — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Berkshire Hathaway Specialty Insurance › Public Liability Berkshire Hathaway Specialty Insurance — Public Liability Berkshire Hathaway Specialty Insurance writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange Berkshire Hathaway Specialty Insurance cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging Berkshire Hathaway Specialty Insurance public liability cover Evolve Group does not currently have a distribution relationship with Berkshire Hathaway Specialty Insurance. This page is educational only. To arrange Berkshire Hathaway Specialty Insurance cover, engage a commercial insurance broker who holds an agency or binder with Berkshire Hathaway Specialty Insurance. Get a quote → About Berkshire Hathaway Specialty Insurance Specialty commercial insurer in the Berkshire Hathaway group. Operates in New Zealand for large and mid-market commercial accounts, with capacity in property, casualty, and complex specialty lines. Broker-only distribution. Full Berkshire Hathaway Specialty Insurance profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/commercial-property/ Chubb — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Commercial Property Chubb — Commercial Property Chubb writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange Chubb cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging Chubb commercial property cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/cyber-liability/ Chubb — Cyber Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Cyber Liability Chubb — Cyber Liability Chubb writes cyber liability cover for New Zealand businesses. This page explains what cyber liability typically covers and how to arrange Chubb cover. What cyber liability covers Cyber liability responds to the costs of a cyber incident — data breach, ransomware, or business email compromise — including response, recovery, and third-party liability. Incident response and IT forensics Business interruption from a cyber event Privacy / third-party liability Who commonly needs it: Any business that holds customer data, takes online payments, or relies on IT systems to operate. Cover often requires baseline security controls (e.g. MFA, backups) to be in place. Arranging Chubb cyber liability cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/marine/ Chubb — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Marine Chubb — Marine Chubb writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange Chubb cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging Chubb marine cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/professional-indemnity/ Chubb — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Professional Indemnity Chubb — Professional Indemnity Chubb writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange Chubb cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging Chubb professional indemnity cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/public-liability/ Chubb — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Public Liability Chubb — Public Liability Chubb writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange Chubb cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging Chubb public liability cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/chubb/specialty/ Chubb — Specialty | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Chubb › Specialty Chubb — Specialty Chubb writes specialty cover for New Zealand businesses. This page explains what specialty typically covers and how to arrange Chubb cover. What specialty covers Specialty covers address niche or industry-specific risks that fall outside standard packages, tailored to an unusual exposure or sector. Sector-specific risks Non-standard assets or activities Bespoke liability exposures Who commonly needs it: Businesses with non-standard activities, assets, or liability exposures. Scope is defined by the individual policy — read the wording carefully. Arranging Chubb specialty cover Evolve Group does not currently have a distribution relationship with Chubb. This page is educational only. To arrange Chubb cover, engage a commercial insurance broker who holds an agency or binder with Chubb. Get a quote → About Chubb Global commercial and specialty insurer. New Zealand presence focused on mid-market and large commercial accounts, with notable strength in cyber and professional liability lines. Distributed primarily through commercial brokers. Full Chubb profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/fmg/commercial-property/ FMG — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › FMG › Commercial Property FMG — Commercial Property FMG writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange FMG cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging FMG commercial property cover Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG. Get a quote → About FMG New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Full FMG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/fmg/commercial-vehicle/ FMG — Commercial Vehicle | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › FMG › Commercial Vehicle FMG — Commercial Vehicle FMG writes commercial vehicle cover for New Zealand businesses. This page explains what commercial vehicle typically covers and how to arrange FMG cover. What commercial vehicle covers Commercial vehicle insurance covers vehicles used for business — utes, vans, trucks, and fleets — for damage and third-party liability arising from their use. Accidental damage to the insured vehicle Third-party damage liability Theft and fire (where selected) Who commonly needs it: Trades, couriers, transport operators, and any business running vehicles for work. Tools and goods in transit are often a separate or add-on cover. Arranging FMG commercial vehicle cover Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG. Get a quote → About FMG New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Full FMG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/fmg/farm-insurance/ FMG — Farm Insurance | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › FMG › Farm Insurance FMG — Farm Insurance FMG writes farm insurance cover for New Zealand businesses. This page explains what farm insurance typically covers and how to arrange FMG cover. What farm insurance covers Farm insurance packages the covers a rural business needs — property, liability, vehicles, and farm-specific assets — into a single rural policy. Farm buildings and contents Farm vehicles and machinery Rural public and statutory liability Who commonly needs it: Farmers and rural operators with land, buildings, stock, plant, and on-farm liability. Livestock and specific rural exposures are usually selectable sections. Arranging FMG farm insurance cover Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG. Get a quote → About FMG New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Full FMG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/fmg/public-liability/ FMG — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › FMG › Public Liability FMG — Public Liability FMG writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange FMG cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging FMG public liability cover Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG. Get a quote → About FMG New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Full FMG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/fmg/rural-commercial/ FMG — Rural Commercial | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › FMG › Rural Commercial FMG — Rural Commercial FMG writes rural commercial cover for New Zealand businesses. This page explains what rural commercial typically covers and how to arrange FMG cover. What rural commercial covers Rural commercial cover addresses the property and liability needs of agribusinesses and rural enterprises beyond a standard farm policy. Commercial rural property Business interruption Rural liability Who commonly needs it: Agribusinesses, processors, and rural enterprises with commercial-scale exposures. Structured for operations that blend farming with commercial activity. Arranging FMG rural commercial cover Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG. Get a quote → About FMG New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel. Full FMG profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/commercial-property/ NZI — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Commercial Property NZI — Commercial Property NZI writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange NZI cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging NZI commercial property cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/commercial-vehicle/ NZI — Commercial Vehicle | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Commercial Vehicle NZI — Commercial Vehicle NZI writes commercial vehicle cover for New Zealand businesses. This page explains what commercial vehicle typically covers and how to arrange NZI cover. What commercial vehicle covers Commercial vehicle insurance covers vehicles used for business — utes, vans, trucks, and fleets — for damage and third-party liability arising from their use. Accidental damage to the insured vehicle Third-party damage liability Theft and fire (where selected) Who commonly needs it: Trades, couriers, transport operators, and any business running vehicles for work. Tools and goods in transit are often a separate or add-on cover. Arranging NZI commercial vehicle cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/construction/ NZI — Construction | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Construction NZI — Construction NZI writes construction cover for New Zealand businesses. This page explains what construction typically covers and how to arrange NZI cover. What construction covers Construction insurance (contract works) covers building and civil projects against physical loss or damage during construction, alongside related liability. Contract works in progress Materials on site Construction-related public liability Who commonly needs it: Builders, developers, and contractors running construction or renovation projects. Cover is usually project- or annual-policy based; check whether subcontractors are included. Arranging NZI construction cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/engineering/ NZI — Engineering | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Engineering NZI — Engineering NZI writes engineering cover for New Zealand businesses. This page explains what engineering typically covers and how to arrange NZI cover. What engineering covers Engineering insurance covers plant, machinery, and equipment for breakdown and related exposures, plus inspection of pressure and lifting equipment. Machinery breakdown Plant and equipment Statutory inspection (where applicable) Who commonly needs it: Manufacturers, contractors, and businesses operating boilers, machinery, or lifting plant. Often sits alongside material damage rather than replacing it. Arranging NZI engineering cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/marine/ NZI — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Marine NZI — Marine NZI writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange NZI cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging NZI marine cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/professional-indemnity/ NZI — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Professional Indemnity NZI — Professional Indemnity NZI writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange NZI cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging NZI professional indemnity cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/nzi/public-liability/ NZI — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › NZI › Public Liability NZI — Public Liability NZI writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange NZI cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging NZI public liability cover Evolve Group does not currently have a distribution relationship with NZI. This page is educational only. To arrange NZI cover, engage a commercial insurance broker who holds an agency or binder with NZI. Get a quote → About NZI One of New Zealand's largest commercial and specialty insurers, owned by IAG New Zealand. Provides commercial property, liability, marine, engineering, and construction insurance through broker networks. NZI is a major player in the NZ business insurance market. Full NZI profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/commercial-property/ QBE — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Commercial Property QBE — Commercial Property QBE writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange QBE cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging QBE commercial property cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/construction/ QBE — Construction | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Construction QBE — Construction QBE writes construction cover for New Zealand businesses. This page explains what construction typically covers and how to arrange QBE cover. What construction covers Construction insurance (contract works) covers building and civil projects against physical loss or damage during construction, alongside related liability. Contract works in progress Materials on site Construction-related public liability Who commonly needs it: Builders, developers, and contractors running construction or renovation projects. Cover is usually project- or annual-policy based; check whether subcontractors are included. Arranging QBE construction cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/marine/ QBE — Marine | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Marine QBE — Marine QBE writes marine cover for New Zealand businesses. This page explains what marine typically covers and how to arrange QBE cover. What marine covers Marine cover (marine cargo / transit and related classes) protects goods while being transported by sea, air, or land, and related marine exposures. Goods in transit / cargo Loading and unloading exposures Specified marine perils Who commonly needs it: Importers, exporters, manufacturers, and businesses moving goods or stock between locations. Domestic carriers' liability is limited, so transit cover is often the practical protection. Arranging QBE marine cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/professional-indemnity/ QBE — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Professional Indemnity QBE — Professional Indemnity QBE writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange QBE cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging QBE professional indemnity cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/public-liability/ QBE — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Public Liability QBE — Public Liability QBE writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange QBE cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging QBE public liability cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/qbe/trade-credit/ QBE — Trade Credit | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › QBE › Trade Credit QBE — Trade Credit QBE writes trade credit cover for New Zealand businesses. This page explains what trade credit typically covers and how to arrange QBE cover. What trade credit covers Trade credit insurance protects a business against the risk of customers failing to pay for goods or services supplied on credit terms. Customer insolvency Protracted default Export and domestic receivables (where selected) Who commonly needs it: Businesses that sell on account to other businesses and carry debtor risk. Cover terms depend on the customer ledger and credit-management practices. Arranging QBE trade credit cover Evolve Group does not currently have a distribution relationship with QBE. This page is educational only. To arrange QBE cover, engage a commercial insurance broker who holds an agency or binder with QBE. Get a quote → About QBE Australian commercial insurer with a long New Zealand presence. Significant capacity in commercial property, marine, trade credit, and specialty liability. Broker distribution model. Full QBE profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/business-interruption/ Vero — Business Interruption | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Business Interruption Vero — Business Interruption Vero writes business interruption cover for New Zealand businesses. This page explains what business interruption typically covers and how to arrange Vero cover. What business interruption covers Business interruption covers the income a business loses, and the extra costs it incurs, while it recovers from insured physical damage. It complements material damage cover. Loss of gross profit during the indemnity period Increased cost of working Ongoing fixed costs Who commonly needs it: Businesses whose revenue depends on premises, equipment, or a supply chain that could be disrupted by damage. The indemnity period should reflect how long realistic recovery would take. Arranging Vero business interruption cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/commercial-property/ Vero — Commercial Property | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Commercial Property Vero — Commercial Property Vero writes commercial property cover for New Zealand businesses. This page explains what commercial property typically covers and how to arrange Vero cover. What commercial property covers Commercial property (material damage) covers physical loss or damage to a business's buildings, contents, plant, and stock from insured events such as fire, storm, or impact. Buildings and fit-out Contents, plant and equipment Stock Who commonly needs it: Any business that owns or is responsible for premises, fit-out, stock, or equipment. Frequently paired with business interruption so income loss after damage is also addressed. Arranging Vero commercial property cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/commercial-vehicle/ Vero — Commercial Vehicle | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Commercial Vehicle Vero — Commercial Vehicle Vero writes commercial vehicle cover for New Zealand businesses. This page explains what commercial vehicle typically covers and how to arrange Vero cover. What commercial vehicle covers Commercial vehicle insurance covers vehicles used for business — utes, vans, trucks, and fleets — for damage and third-party liability arising from their use. Accidental damage to the insured vehicle Third-party damage liability Theft and fire (where selected) Who commonly needs it: Trades, couriers, transport operators, and any business running vehicles for work. Tools and goods in transit are often a separate or add-on cover. Arranging Vero commercial vehicle cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/cyber-liability/ Vero — Cyber Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Cyber Liability Vero — Cyber Liability Vero writes cyber liability cover for New Zealand businesses. This page explains what cyber liability typically covers and how to arrange Vero cover. What cyber liability covers Cyber liability responds to the costs of a cyber incident — data breach, ransomware, or business email compromise — including response, recovery, and third-party liability. Incident response and IT forensics Business interruption from a cyber event Privacy / third-party liability Who commonly needs it: Any business that holds customer data, takes online payments, or relies on IT systems to operate. Cover often requires baseline security controls (e.g. MFA, backups) to be in place. Arranging Vero cyber liability cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/directors-and-officers/ Vero — Directors And Officers | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Directors And Officers Vero — Directors And Officers Vero writes directors and officers cover for New Zealand businesses. This page explains what directors and officers typically covers and how to arrange Vero cover. What directors and officers covers Directors and officers (D&O) covers the personal liability of directors and officers for alleged wrongful acts in managing the company. Defence costs for covered allegations against directors/officers Certain regulatory investigation costs Wrongful-act claims Who commonly needs it: Companies with a board, incorporated societies, and not-for-profits with appointed officers. Often bundled with statutory and employment-practices liability as management liability. Arranging Vero directors and officers cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/professional-indemnity/ Vero — Professional Indemnity | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Professional Indemnity Vero — Professional Indemnity Vero writes professional indemnity cover for New Zealand businesses. This page explains what professional indemnity typically covers and how to arrange Vero cover. What professional indemnity covers Professional indemnity (PI) responds to claims that a business's professional advice, design, or services caused a client financial loss. It's central cover for advice- and service-based businesses. Alleged negligent advice or service Errors and omissions Defence costs for covered claims Who commonly needs it: Consultants, designers, engineers, accountants, IT and other professional-service firms. Usually written on a claims-made basis, so continuity of cover matters. Arranging Vero professional indemnity cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/product/vero/public-liability/ Vero — Public Liability | SmallBusinessInsurance.co.nz SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Insurers › Vero › Public Liability Vero — Public Liability Vero writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange Vero cover. What public liability covers Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public. Third-party bodily injury claims Third-party property damage Associated legal defence costs Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party. Often required by contracts, landlords, and councils before work can start. Arranging Vero public liability cover Evolve Group Limited (FSP711891) has a current distribution relationship with Vero, via AMP Business Insurance. Enquiries through SmallBusinessInsurance.co.nz can be routed to this insurer via Evolve Group's FAP-licensed advisory service. Get a quote → About Vero One of New Zealand's largest commercial insurers, owned by the Suncorp Group. Underwrites a wide range of business insurance products including public liability, professional indemnity, business interruption, and commercial property cover. Vero policies are commonly distributed through brokers including the AMP Business Insurance channel. Full Vero profile → Machine-readable facts.json — structured insurer profile summary.md — LLM-friendly markdown wording.md — policy wording (markdown) SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/professional-indemnity-insurance/cost/ Professional Indemnity Insurance Cost NZ 2026 — By Profession & Cover Limit SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Professional indemnity / Cost Professional Indemnity Insurance Cost NZ Indicative cost $25–$120 per month indicative for a NZ small business or sole practitioner. Bookkeepers and accountants sit at the lower end; architects, engineers and lawyers at the upper end. Claims-made basis. Indicative cost by profession 12 common NZ professions with indicative monthly cost and typical cover limit. Profession Indicative monthly Typical limit Why Bookkeepers $25–$50 $500K–$1M Lower fee income, narrower scope of work Accountants $30–$60 $1M–$2M Tax-return + advisory liability Business / management consultants $30–$70 $1M–$2M Project-engagement defined deliverables IT consultants / software contractors $35–$80 $1M–$2M Often combined with tech/cyber liability Marketing / PR consultants $25–$60 $1M Advertising-injury exposure Architects $80–$200 $2M–$5M Long-tail building-defect claims Engineers (civil / structural) $80–$200 $2M–$5M Code-compliance and design liability Lawyers (sole or small firm) $100–$300 $2M+ Compulsory under Lawyers and Conveyancers Act Financial advisers (FSPR) $80–$200 $1M–$2M Compulsory under FMC Act / FMA standards Real estate agents $50–$120 $1M–$2M Misrepresentation / disclosure exposure Recruitment consultants $40–$90 $1M Reference-and-selection liability Surveyors / valuers $70–$180 $1M–$2M Valuation-on-which-loan-relied risk Six factors that drive the price Profession and risk class: Lawyers and engineers carry higher PI than bookkeepers because exposure-per-dollar-fee is higher. Fees / revenue: Insurer prices on annual fee income or gross revenue. Cover limit: $1M → $2M typically adds 30–50% to premium. Claims history: Past circumstances notified (even without paid claim) raise premium. Retroactive date: Cover for work done before policy inception costs more. Premium scales with depth. Run-off cover: Separate single-premium product when you stop trading. Frequently asked questions How much does professional indemnity cost in NZ? Indicative $25–$120/month for a NZ small business or sole practitioner. Lawyers and engineers sit higher ($100–$300). Cost depends on profession, fees/revenue, cover limit ($500K–$10M), claims history, and the retroactive date. Why is PI claims-made? Almost all NZ PI policies are claims-made — the claim must be first made against you during the policy period, regardless of when the error occurred (subject to the retroactive date). This is why continuous cover matters and why run-off is needed when you stop trading. What is the retroactive date? The retroactive date sets how far back in time the policy covers work. A 'full retroactive' policy covers all past work; a 'no retroactive' policy covers only work done during the policy period. Premium scales with retroactive depth. Do I need run-off cover when I stop trading? Almost always yes. A claim can be made years after the work was done. Run-off cover (or 'extended reporting period') continues PI cover for past work after your main policy ends. It is bought as a single-premium extension, typically 3–7 years. Related Professional indemnity insurance NZ — full guide PI cost (short answer) PL vs PI comparison Insurance for consultants Get a professional indemnity quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/professional-indemnity-insurance/ Professional Indemnity Insurance NZ 2026 — Cover, Cost by Profession, Claims-Made SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Professional Indemnity Insurance NZ Cover against claims of negligence, errors or breach of professional duty. Essential for service-based businesses and anyone who provides advice for a living. Indicative cost $25–$120 per month for a NZ small business or sole practitioner — accountants $25–$60, IT consultants $35–$80, architects $80–$200, lawyers $100–$300. Cover from $500K to $10M. Claims-made basis. Final premium depends on profession, revenue, cover limit, claims history and retroactive date. Get Free Quotes Compare Coverage What Is Professional Indemnity Insurance? Professional indemnity (PI) insurance protects you when a client claims they have suffered a financial loss because of an error, omission, or act of negligence in the professional services you provided. It covers the cost of defending the claim and any compensation or settlement you are required to pay. Unlike public liability insurance , which covers physical injury and property damage, PI insurance is specifically designed for the risks that come with providing advice, designs, consulting, or any professional service where your expertise is relied upon by clients. Professional indemnity insurance is also commonly known as PI insurance, professional liability insurance, or errors and omissions (E&O) insurance. In New Zealand, it is a critical form of protection for anyone whose work involves professional judgement, recommendations, or deliverables that clients depend on to make decisions. A single claim — even an unfounded one — can result in significant legal costs. PI insurance ensures that a professional mistake or a disgruntled client does not threaten the financial survival of your business. What Does PI Insurance Cover? Professional Negligence Claims that you failed to exercise reasonable skill and care in delivering your professional services. Illustrative example: an accountant makes an error in a tax return that results in the client receiving penalties from the IRD. Errors and Omissions Mistakes in your work or things you should have done but failed to do. Illustrative example: a web developer delivers a site with a security flaw they should have identified, leading to a data breach for the client. Breach of Professional Duty Claims that you breached your duty of care, fiduciary duty, or confidentiality obligations to your client. This includes misuse or unauthorised disclosure of confidential information. Intellectual Property Infringement Claims that your work unintentionally infringes on someone else's copyright, trademark, or other intellectual property rights. Illustrative example: a graphic designer unknowingly uses a licensed image in a client's branding. Defamation Claims of libel or slander arising from statements you make in the course of your professional work — for example, in a published report, valuation, or professional opinion. Loss of Documents Cover for the cost of replacing or restoring documents in your care that are lost, damaged, or destroyed — such as client records, plans, or contracts. Legal Defence Costs Solicitor fees, barrister fees, expert witness costs, and court costs incurred in defending a claim — even if the claim is ultimately found to be without merit. Defence costs alone can run into tens of thousands of dollars, making this one of the most valuable aspects of PI cover. What's NOT Covered by PI Insurance Physical injury or property damage — this is covered by public liability insurance , not PI Deliberate or dishonest acts — fraud, criminal conduct, and intentional wrongdoing are excluded Known circumstances — situations you were already aware of (or should have been aware of) before the policy started Contractual liability beyond common law — liabilities you assume through contract that go beyond what the law would normally impose Trading losses or insolvency — your own business's financial losses or failure Fines and penalties — regulatory fines or penalties imposed on you personally (though defence costs for regulatory proceedings may be covered) How Much Does Professional Indemnity Insurance Cost? PI insurance premiums depend heavily on your profession, the nature of your services, your revenue, and the coverage limit you choose. Below are indicative monthly ranges for common professions. Actual premiums vary — your insurer will assess your specific risk profile. Profession Indicative Monthly Cost Typical Cover Level Accountants and bookkeepers $25 - $60/month $500K - $2M IT consultants and developers $30 - $80/month $1M - $5M Engineers $40 - $100/month $1M - $5M Financial advisers $50 - $120/month $1M - $5M Architects and designers $40 - $90/month $1M - $5M Marketing and PR consultants $20 - $50/month $500K - $2M Management consultants $25 - $70/month $1M - $2M Recruiters and HR consultants $20 - $55/month $500K - $2M Factors That Affect Your Premium - Your profession: Higher-risk professions (financial advisers, engineers) pay more than lower-risk ones (marketing consultants) - Annual revenue or fee income: Higher turnover means more work, more clients, and more potential claims - Coverage limit: A $5M policy costs more than a $500K policy - Claims history: Previous claims or notifications may increase your premium - Retroactive date: Policies covering a longer history of past work tend to cost more - Client types: Working for large corporates or on high-value projects may increase your risk profile Who Needs Professional Indemnity Insurance? If your business involves giving advice, providing professional opinions, creating designs, or delivering services that clients rely on to make decisions, you should carry PI insurance. A claim does not need to be valid to be expensive — defending even an unfounded allegation of professional negligence requires legal representation. The following professions and roles commonly require PI insurance in New Zealand: Accountants and bookkeepers Financial advisers and planners Lawyers and barristers Architects Engineers (civil, structural, electrical) IT consultants and developers Management consultants Marketing and PR consultants Graphic and web designers Surveyors and valuers Real estate agents Recruiters and HR consultants Insurance brokers Project managers Business coaches and trainers Is PI Insurance Legally Required in NZ? For most professions, PI insurance is not a legal requirement in New Zealand. However, there are important exceptions, and many situations where it is effectively mandatory even without a specific law. Professions Where PI Is Legally Required Financial advisers — under the Financial Markets Conduct Act 2013, licensed financial advice providers must hold PI insurance as a condition of their licence Lawyers — the NZ Law Society requires all practising lawyers to maintain PI insurance Some categories of engineers — particularly those involved in building and construction work under the Building Act Situations Where PI Is Contractually Required Government contracts — most central and local government agencies require PI insurance as a condition of engagement for professional service providers Corporate clients — larger companies routinely require their consultants and professional service providers to hold PI insurance Professional body membership — some industry associations require or strongly recommend PI insurance as a condition of membership Subcontracting agreements — principal contractors often require subcontractors providing professional services to carry PI insurance How Claims-Made Policies Work PI insurance operates on a claims-made basis, which is different from how most other insurance policies work. Understanding this distinction is important because it affects when and how you are covered. Claims-Made Policy (PI Insurance) Covers claims that are first made against you during the policy period , regardless of when the work was done (subject to the retroactive date). Illustrative example: You did consulting work in 2023. Your client discovers an error in 2025 and files a claim. Your 2025 PI policy responds to this claim, provided the retroactive date covers 2023. Occurrence-Based Policy (e.g., Public Liability) Covers incidents that happen during the policy period , regardless of when the claim is made. Illustrative example: A customer slips in your shop in 2023 but does not file a claim until 2025. Your 2023 public liability policy responds because the incident occurred in 2023. Retroactive Date The retroactive date sets the earliest date from which your policy will cover claims. Work done before the retroactive date is not covered. When you first take out PI insurance, the retroactive date is usually set to the inception date of that first policy. If you maintain continuous cover without gaps, the retroactive date is typically carried forward — meaning your current policy covers all past work back to when you first started your PI insurance. Run-Off Cover (Extended Reporting Period) If you retire, close your business, or stop practising, claims can still arise from work you did while you were active. Run-off cover extends your PI insurance for a specified period (commonly 3 to 7 years) after your main policy ends. This ensures that late-emerging claims are still covered. Run-off cover is particularly important for professions where problems may not surface for years — such as engineering, architecture, or financial advice. Why Continuous Cover Matters Because PI is claims-made, any gap in your insurance can leave you exposed. If you let your policy lapse and then take out a new one, the new insurer will typically set a new retroactive date — meaning past work is no longer covered. Maintaining continuous PI insurance without breaks is strongly recommended. Professional Indemnity vs Public Liability Insurance These two policies cover fundamentally different risks. Many professional service businesses carry both. Professional Indemnity Public Liability Covers Financial loss from professional errors Physical injury and property damage Triggered by Advice, services, or design errors Physical incidents Policy type Claims-made Occurrence-based (usually) Typical cost $25 - $120/month $15 - $60/month Type of loss Financial / economic loss Bodily injury / property damage Best for Consultants, advisers, designers Tradies, retailers, hospitality For a detailed comparison, see our Public Liability vs Professional Indemnity guide . Frequently Asked Questions How much does professional indemnity insurance cost in NZ? Professional indemnity insurance in New Zealand typically costs between $25 and $120 per month for small businesses and sole practitioners. Actual premiums vary based on your profession, revenue, coverage limit, claims history, and the nature of services you provide. Is professional indemnity insurance legally required in NZ? PI insurance is legally required for certain regulated professions in New Zealand, including financial advisers (under the Financial Markets Conduct Act), lawyers (through the NZ Law Society), and some categories of engineers. Many other professions require it contractually even where it is not a legal mandate. What is a claims-made policy? A claims-made policy covers claims that are first made against you during the policy period, regardless of when the error or omission occurred (subject to the retroactive date). This differs from occurrence-based policies, which cover incidents that happen during the policy period regardless of when the claim is made. What is the difference between professional indemnity and public liability insurance? Professional indemnity covers financial losses caused by your professional advice, services, or design errors. Public liability covers physical injury to people or damage to property caused by your business operations. Many businesses need both types of cover. Do I need PI insurance if I am a sole trader? If you provide professional advice, consulting, design, or any service where a client could suffer a financial loss due to an error or omission on your part, then PI insurance is strongly recommended regardless of your business structure. As a sole trader, you are personally liable for claims, which makes cover even more important. What is run-off cover and do I need it? Run-off cover (also called extended reporting period) provides continued PI insurance after you stop trading or retire. Because PI is claims-made, a claim could arise years after the work was done. Run-off cover ensures you are protected for past work even after your main policy ends. It is particularly important if you are closing your business, retiring, or merging with another firm. Get Your Professional Indemnity Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/providers/ Insurance Providers NZ - Our Insurance Partners SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Our Insurance Providers We work with trusted NZ insurance providers to find the right cover for your business Get Free Quotes Business Insurance AMP Business Insurance Underwritten by Vero Comprehensive business insurance packages for NZ businesses, underwritten by one of New Zealand's largest general insurers. Placed by Evolve Group Limited (FSP711891) directly. Get Quote → Referral partner — separately licensed FAP Blanket Advice Limited FSP1004126 For most business-insurance enquiries, Evolve Group Limited refers your details to Blanket Advice Limited — a separately licensed Financial Advice Provider — who give the regulated advice and place cover with insurers including Ando, Vero, NZI, AIG, Chubb, Delta and others on their panel. Blanket Advice Limited Disclosure · FSP Register Get Quote → Other Specialist Brokers Where the cover required sits outside the panels of Evolve Group Limited or Blanket Advice Limited — for example highly specialised public liability or professional indemnity classes — your adviser may refer you to another FSPR-registered commercial insurance broker. Any such referral will be disclosed to you before your details are passed on. Personal Insurance Through Evolve Group Limited, we also provide personal risk insurance from a panel of NZ underwriters: Partners Life AIA Fidelity Life Asteron NIB Medical Provider information is based on Evolve Group Limited's Disclosure Statement (March 2025) . SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-insurance-auckland/ Public Liability Insurance Auckland - Quotes & Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public Liability Insurance Auckland $1m, $2m, $5m and $10m limits for Auckland businesses, arranged by a licensed NZ adviser. Public liability insurance is the most commonly purchased commercial insurance in Auckland. It responds to claims from third parties for bodily injury or property damage caused by your business operations, plus the legal cost of defending those claims. For most Auckland trades, retail, hospitality, healthcare and service businesses, it's the starting point — and for many, it's contractually required before they can take on commercial, council or main-contractor work. How public liability works If a third party — a customer, member of the public, another trade on a shared site, or a neighbouring business — suffers injury or property damage as a result of your business activities, public liability cover pays: The third party's compensation (damages awarded or settled) The legal cost of defending the claim, including investigation, expert reports, court costs Costs of mitigating further damage (within wording) Cover is usually written on an 'occurrence' basis — what matters is when the injury or damage occurred, not when the claim is reported. What public liability does not cover Injury to your own employees — ACC is the statutory primary layer; employer liability sits over it for non-personal-injury claims Damage to your own property or stock — material damage cover handles that Losses arising from your professional advice — professional indemnity handles that Damage to property in your care, custody or control — usually excluded, sometimes restored by endorsement Faulty workmanship on the specific item you are working on — usually excluded, sometimes restored by endorsement Claims arising from contract assumed liability beyond what would exist at common law — wording-dependent Limits commonly used in Auckland $1m: Starter limit for low-risk, office-based operations and some retailers. Below contract minimums for most commercial and council work. $2m: Common minimum for Auckland Council contracts and many main-contractor sub-contracts. $5m: Common for commercial fit-out, larger trades, larger event operations, and most main-contractor sub-contracts. $10m: Common for large commercial work, infrastructure-adjacent operations, higher-risk trades, and some larger event operators. Industries we commonly arrange Auckland public liability for Building, plumbing, electrical, roofing, scaffolding and other trades Hospitality (cafés, restaurants, bars, food trucks) Retail (CBD, suburban high streets, eastern bays, North Shore) Healthcare and allied health (private practice, clinics) Professional services (consulting, accounting, design) Event operators (entertainment, sport, community events) Personal services (cleaners, gardeners, personal trainers) Manufacturing and light industrial For the full product detail across NZ, see the main public liability insurance guide , and for the comparison with professional indemnity see the PL vs PI explainer . For broader Auckland-specific cover priorities, see business insurance Auckland . Frequently asked questions What does public liability insurance cover for an Auckland business? Public liability responds to claims from third parties (customers, the public, other trades on site, neighbouring businesses) for bodily injury or property damage caused by your business operations, plus the legal cost of defending those claims. It does not cover claims by your own employees (ACC + employer-liability handles that), damage to your own property, or losses from your professional advice (professional indemnity handles that). What public liability limit do I need in Auckland? It depends on the contracts you sign and the work you do. Standard limits in Auckland are $1m, $2m, $5m and $10m. Many Auckland Council and main-contractor sub-contracts specify $2m or $5m as a floor; commercial fit-out and large-site work commonly require $10m. The premium difference between $2m and $5m is usually small relative to the contract exposure. Is public liability mandatory in Auckland? It's not legally mandatory under general NZ law, but it's contractually required for the majority of trade, commercial, council and main-contractor work in Auckland. Operating without it is rare in practice because most work environments require proof of cover before site entry. How much does public liability insurance cost in Auckland? Premiums vary materially by trade, turnover, claims history and chosen limit. Office-based professional businesses are typically at the lower end of the range; tradies, hospitality and higher-risk operations are higher. The right way to find out is to get a quote — we can run one through a panel of NZ commercial insurers and confirm the actual figure for your business. Does public liability cover work done on a client's property? Standard public liability covers third-party property damage but contains a 'property in your care, custody or control' exclusion. This means damage to the specific item you are working on may not be covered — for example, accidentally damaging a wall is usually covered, but damaging the kitchen you are installing may not be. Some insurers offer a 'custody and control' extension or a 'faulty workmanship' add-on. Wording differs materially across the market. Get a public liability quote for your Auckland business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). If you have a contract specifying a required limit, forward the clause with the form and we'll match the cover. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-insurance-christchurch/ Public Liability Insurance Christchurch - Canterbury Quotes SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public Liability Insurance Christchurch $1m, $2m, $5m and $10m limits for Canterbury businesses, arranged by a licensed NZ adviser. Public liability insurance is the most commonly held commercial insurance in Christchurch and Canterbury. It responds to claims from third parties for bodily injury or property damage caused by your business operations, plus the legal cost of defending those claims. Canterbury's post-rebuild contracting environment has made insurance evidence more rigorously checked than in most other NZ regions — most builders and main contractors now require a certificate of currency before site entry. How public liability works If a third party suffers injury or property damage as a result of your business activities, public liability pays the third party's compensation plus the cost of defending the claim. It does not cover injury to your own employees (ACC + employer liability), damage to your own property (material damage), or claims arising from your professional advice (professional indemnity). Limits commonly used in Christchurch $1m: Starter limit for low-risk office-based businesses and some retailers. Below contract minimums for most commercial and council work. $2m: Standard for many small trades and Christchurch City Council contracts. $5m: Common for commercial fit-out, larger trades, and most main-contractor sub-contracts. The post-rebuild standard for many medium-sized construction operations. $10m: Common for larger commercial work, civil construction, infrastructure-adjacent operations, larger events, and higher-risk trades. Industries we commonly arrange Canterbury public liability for Building, civil construction, plumbing, electrical, roofing, scaffolding and other trades Hospitality (cafés, restaurants, bars, food operators) Retail (CBD, suburban centres, eastern coastal corridor) Healthcare and allied health Professional services (consulting, engineering, design) Event operators Agribusiness-adjacent services (consultants, equipment, irrigation, transport) Manufacturing and light industrial Canterbury-specific contracting context Post-rebuild, Canterbury main-contractor sub-contracts and council contracts are typically more rigorous about insurance evidence than they were pre-2011. Common pattern requirements: Public liability with a stated minimum limit ($2m, $5m, $10m) Principal named on the policy or as an additional insured Certificate of currency provided before site entry Cover maintained throughout the contract For design-and-build sub-contractors, separate professional indemnity For higher-risk trades, statutory liability for Building Act and Health and Safety breach exposure For the full product detail across NZ, see the main public liability insurance guide and the PL vs PI explainer . For broader Canterbury cover priorities, see business insurance Christchurch . Frequently asked questions What public liability limit is typical for a Christchurch tradie? Most Canterbury main-contractor sub-contracts require $2m or $5m as a minimum, with $10m increasingly common on larger commercial and infrastructure-adjacent work. The post-rebuild contract environment is generally stricter than the rest of New Zealand on insurance evidence — most builders ask for a certificate of currency before site entry. Is public liability worded differently in Canterbury post-earthquake? Public liability wording itself is not specific to seismic events — it covers bodily injury and property damage you cause to third parties through your operations, not natural-hazard damage to property generally (material damage / commercial property handles natural-hazard exposure). What has changed post-rebuild is the maturity of construction-related wording — contract works, professional indemnity for design-and-build, and statutory liability are all more rigorously specified in Canterbury contracts than they used to be. Do Christchurch retail and hospitality operators need public liability? Yes — any business with public-facing operations carries third-party injury and property-damage exposure. A customer slip, a delivered meal causing illness, accidental damage to a customer's property, a sign falling — all sit in the PL response zone. Cover is contractually required by most landlords for tenants, and by most franchisors of branded retail and hospitality operations. How does the Christchurch agricultural service sector handle PL? Agribusiness-adjacent service businesses (consulting, irrigation, equipment dealing, transport, veterinary practice serving farms) typically carry standard small-business public liability with industry-specific endorsements where needed. Pure on-farm operations are usually outside small-business PL and sit under rural-specific cover (FMG, Vero Rural and similar). What about events and festivals in Christchurch? Event operators in Canterbury typically need higher PL limits ($5m–$10m or more for larger events), often with additional cover for stewards/volunteers, food and beverage product liability, and sometimes specific venue requirements. Lead time matters — event PL is harder to bind close to the date. Get a public liability quote for your Canterbury business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). If you have a contract specifying a required limit, forward the clause with the form and we'll match the cover. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-insurance/by-industry/ Public Liability Insurance by Industry NZ 2026 — 24 NZ Trades & Professions SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public liability / By industry Public liability insurance by industry — NZ Indicative cost, typical cover limit and link to the full guide for 24 common NZ trades and professions. Builders Cost: $25–$60/mo Limit: $2M–$10M Guide → Plumbers Cost: $15–$40/mo Limit: $1M–$2M Guide → Electricians Cost: $15–$40/mo Limit: $1M–$2M Guide → Painters & decorators Cost: $15–$35/mo Limit: $1M–$2M Guide → Roofers Cost: $25–$50/mo Limit: $2M Guide → Landscapers Cost: $15–$35/mo Limit: $1M–$2M Guide → Tilers Cost: $15–$35/mo Limit: $1M–$2M Guide → Carpenters Cost: $15–$40/mo Limit: $1M–$2M Guide → Cleaners (commercial) Cost: $15–$35/mo Limit: $2M–$5M Guide → Cleaners (domestic) Cost: $12–$25/mo Limit: $1M Guide → Cafes Cost: $20–$45/mo Limit: $2M–$5M Guide → Restaurants & bars Cost: $25–$60/mo Limit: $2M–$10M Guide → Retail shops Cost: $20–$50/mo Limit: $1M–$5M Guide → E-commerce / online retail Cost: $15–$35/mo Limit: $1M–$2M Guide → Consultants (general) Cost: $15–$35/mo Limit: $1M–$2M Guide → Freelancers Cost: $15–$25/mo Limit: $1M Guide → Tech startups / SaaS Cost: $20–$50/mo Limit: $1M–$2M Guide → Personal trainers Cost: $15–$35/mo Limit: $1M–$2M Guide → Photographers / videographers Cost: $12–$30/mo Limit: $1M–$2M Guide → Hairdressers / beauty therapists Cost: $15–$30/mo Limit: $1M–$2M Guide → Event organisers Cost: $30–$80/mo Limit: $5M–$10M Guide → Property managers Cost: $25–$60/mo Limit: $1M–$2M Guide → Couriers / delivery Cost: $25–$60/mo Limit: $1M–$2M Guide → Market stalls / food trucks Cost: $20–$45/mo Limit: $2M Guide → Costs and limits shown are indicative. Get a quote for your specific business. Get a public liability quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-insurance/cost/ Public Liability Insurance Cost NZ 2026 — By Industry, Limit & Excess SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public liability / Cost Public Liability Insurance Cost NZ Indicative cost $15–$60 per month for a NZ small business. Six factors set the premium: industry, revenue, cover limit ($1M–$20M), employees, claims history and excess. Indicative cost by industry 12 common NZ industries with indicative monthly cost and typical cover limit. Prices shown are indicative. Industry Indicative monthly Typical limit Why Builders / construction $25–$60 $2M–$10M Site-injury exposure + contract works overlap Plumbers $15–$40 $1M–$2M Water-damage exposure to client property Electricians $15–$40 $1M–$2M Fire-risk exposure to client property Painters $15–$35 $1M–$2M Paint-damage to surrounding surfaces Cleaners (commercial) $15–$35 $2M–$5M Cleaning chemical / floor-damage risk Cleaners (domestic) $12–$25 $1M Lower premium but proof now often requested Cafe / restaurant $25–$60 $2M–$10M Foot traffic + alcohol service Retail shop $20–$50 $1M–$5M Foot traffic + product liability Consultant / office $15–$35 $1M–$2M Low physical risk Personal trainer / fitness $15–$35 $1M–$2M Client injury during sessions Event organiser $30–$80 $5M–$10M Crowd risk + venue requirements Photographer / videographer $12–$30 $1M–$2M Equipment + venue access requirements Quick cost-finder Three inputs to scope the indicative cost range for your specific NZ business. Final premium requires an insurer quote. 1. Industry Builders / construction Plumbers Electricians Painters Cleaners (commercial) Cleaners (domestic) Cafe / restaurant Retail shop Consultant / office Personal trainer / fitness Event organiser Photographer / videographer 2. Cover limit $1M (sole trader, low foot traffic) $2M (most common) $5M (gov contracts, hospitality) $10M (multi-employee, larger contracts) $20M (high-risk / major contracts) 3. Excess $250 (standard) $500 (-5–8% premium) $1,000 (-10–15% premium) Indicative monthly range $15–$40 Indicative only — actual premium varies with revenue, claims history, and other factors. Six factors that drive the price Industry and risk level: A roofer pays more than an office consultant because physical risk is higher. Annual revenue: Higher revenue means greater exposure, higher premium. Number of employees: More staff, more potential incidents. Cover limit: $1M → $2M typically adds 30–40%; $2M → $5M adds another 40–50%. Claims history: Prior claims (paid or notified) push premium up. Excess (deductible): $250 → $500 typically drops premium 5–8%; $250 → $1,000 drops 10–15%. Frequently asked questions How much does public liability insurance cost in NZ? Indicative $15–$60/month for a NZ small business. Industry, revenue, cover limit ($1M–$20M), claims history, and excess together determine the final premium. Why does the same business get different quotes from different insurers? Insurers weight industry risk, revenue band, claims history and cover limit differently. The same business can receive premiums 30–60% apart from different underwriters — which is why brokered comparison routinely beats direct-to-insurer quoting. What is a fair excess for public liability? Most small NZ businesses default to $250–$500 excess. Raising to $1,000 typically drops monthly premium 5–10% but means you pay $1,000 of every claim before cover starts. Can I pay annually to save? Yes. Monthly instalments usually carry a 5–10% premium loading. Paying the annual premium up-front is the simplest way to lower the headline monthly cost. Related Public liability insurance NZ — full guide Cheapest PL in NZ — and the catches How much is PL in NZ (short answer) PL vs Professional Indemnity Get a public liability quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-insurance/ Public Liability Insurance NZ 2026 — Cover, Costs & Claims Explained SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public Liability Insurance NZ Cover for third-party injury and property damage claims. Essential for NZ businesses operating in public spaces or on client premises. Indicative cost $15–$60 per month for a NZ small business — tradies $15–$40, retail $20–$50, hospitality $25–$60, cleaners $12–$30. Cover from $1M to $20M. Final premium depends on industry, revenue, cover limit, claims history and excess. Get Free Quotes Compare Coverage What Is Public Liability Insurance? Public liability insurance protects your business when a third party — a customer, a supplier, a member of the public, or anyone who is not your employee — suffers an injury or has their property damaged as a result of your business activities. If that person makes a claim against your business, your public liability policy covers the cost of compensation payments and the legal fees involved in defending the claim, up to your policy limit. In New Zealand, this is one of the most common forms of business insurance. Whether you operate from a fixed premises, travel to client sites, or work in public spaces, there is always a risk that someone could be injured or have their property damaged because of something your business does or fails to do. Public liability insurance is sometimes referred to as "general liability" or "third-party liability" insurance. Regardless of the name, it covers the same core risk: your legal liability for bodily injury or property damage to people outside your business. What Does Public Liability Insurance Cover? Third-Party Bodily Injury Compensation and medical costs if a customer, visitor, or member of the public is injured because of your business operations. Illustrative example: a customer trips over an extension cord in your workshop and breaks their wrist. Third-Party Property Damage Covers damage you cause to someone else's property during your work. Illustrative example: a painter accidentally spills a bucket of paint on a client's expensive carpet. Legal Defence Costs Solicitor fees, court costs, and expert witness expenses if a claim goes to court — even if the claim turns out to be unfounded. Legal defence can be expensive on its own, often running into tens of thousands of dollars. Products Liability Many public liability policies include cover for injury or damage caused by products you sell, supply, or distribute. Check your policy wording — this is sometimes a separate section or optional extension. Advertising Injury Some policies extend to cover claims of defamation, libel, or slander arising from your business advertising or promotional activities. Tenant's Liability If you lease your business premises, many policies cover accidental damage you cause to the landlord's property beyond normal wear and tear. What's NOT Covered by Public Liability Insurance Professional advice errors — mistakes in your professional advice or services require professional indemnity insurance Employee injuries — injuries to your own staff are handled by ACC and employer's liability insurance Intentional or criminal acts — deliberate damage or illegal activity is excluded from all insurance policies Your own property or assets — damage to your own tools, equipment, or premises requires separate material damage cover Faulty workmanship (the work itself) — the cost to redo or repair your own defective work is typically excluded, though resulting damage to other property may be covered Motor vehicle incidents — these are covered by motor vehicle insurance, not public liability How Much Does Public Liability Insurance Cost in NZ? The cost of public liability insurance depends on your industry, revenue, and the level of cover you need. Below are indicative monthly premium ranges for common business types. Actual premiums vary — your insurer will assess your specific circumstances. Industry Indicative Monthly Cost Typical Cover Level Tradies (builders, plumbers, electricians) $15 - $40/month $1M - $2M Retail shops $20 - $50/month $1M - $5M Consultants and office-based businesses $15 - $35/month $1M - $2M Hospitality (cafes, restaurants, bars) $25 - $60/month $2M - $10M Cleaners $12 - $30/month $1M - $2M Personal trainers and fitness $15 - $35/month $1M - $2M Event organisers $30 - $80/month $5M - $10M Factors That Affect Your Premium - Industry and risk level: A roofer pays more than an office-based consultant because the physical risk is higher - Annual revenue: Higher revenue generally means higher premiums, as it indicates more business activity and greater exposure - Number of employees: More staff typically means more potential for incidents - Coverage limit: A $5M policy costs more than a $1M policy - Claims history: Previous claims or a history of incidents may increase your premium - Excess (deductible): Choosing a higher excess reduces your premium, but means you pay more out of pocket per claim Who Needs Public Liability Insurance? Any business that has contact with the public, visits client sites, or sells physical products should consider public liability insurance. Even if you work from home, you may have clients visit or you may attend meetings at other premises. The following types of businesses commonly carry public liability insurance in New Zealand: Builders and construction Plumbers, electricians, gasfitters Painters and decorators Landscapers and gardeners Cafes, restaurants, and bars Retail shops Cleaners (commercial and domestic) Personal trainers and gyms Event organisers Photographers and videographers Hairdressers and beauty therapists Market stall holders IT technicians (on-site work) Property managers Manufacturers and wholesalers Is Public Liability Insurance Compulsory in NZ? Public liability insurance is not legally required for most businesses in New Zealand. Unlike some countries, there is no general law mandating that all businesses carry this cover. However, there are many situations where it is effectively required: Government and council contracts Most central government agencies and local councils require contractors to hold a minimum level of public liability insurance (often $1M to $5M) before awarding contracts. Commercial leases Many landlords include a requirement for public liability insurance in the lease agreement before tenants can occupy commercial premises. Client and principal contractor requirements Subcontractors working for larger firms are commonly required to provide a certificate of currency for public liability insurance before starting work. Real estate and property access Property managers and real estate agents may require tradespeople and service providers to show proof of public liability before allowing access to properties. ACC vs Public Liability — What's the Difference? New Zealand's ACC scheme covers personal injury costs (medical treatment, rehabilitation, lost wages) for the injured person. All businesses contribute to ACC through levies. However, ACC does not cover: - Compensation for pain and suffering beyond what ACC provides - Property damage claims (ACC only covers personal injury) - Your legal defence costs - Claims for economic loss arising from the incident While ACC significantly reduces the personal injury litigation environment in NZ compared to countries like the US or Australia, it does not eliminate your business's liability exposure entirely. Public liability insurance fills the gap that ACC does not cover. Coverage Levels — How Much Do You Need? Public liability insurance in NZ is typically available in coverage levels from $1 million to $20 million. The right level depends on your industry, client requirements, and risk profile. $1 Million Entry level Suitable for sole traders and very small businesses with low foot traffic and minimal physical risk — such as home-based consultants or freelancers who occasionally visit client sites. $2 Million Most common The most commonly selected level for small businesses in NZ. Appropriate for tradies, cleaners, small retailers, and service businesses. Meets most standard contractual requirements. $5 Million Growing businesses Appropriate for businesses with higher public exposure — retail shops with significant foot traffic, hospitality venues, or contractors working on mid-size commercial projects. Often required for government contracts. $10 Million Medium businesses For established businesses with multiple employees, larger commercial contracts, or higher-risk activities. Common for construction companies, event organisers, and businesses working in hazardous environments. $20 Million High risk / large contracts For businesses involved in major infrastructure projects, high-risk construction, large public events, or those required by major clients or government agencies to carry higher limits. If you are unsure what level to choose, check the contracts you hold or plan to bid on — many specify a minimum coverage level. Your insurance adviser can help you assess the appropriate limit for your situation. How to Claim on Public Liability Insurance If an incident occurs that may result in a claim, follow these steps. Acting promptly is important — most policies require you to notify your insurer as soon as reasonably practicable. 1 Ensure safety and document the incident Make sure everyone is safe. Take photos of the scene, note the date, time, and circumstances. Collect contact details of any witnesses. Do not admit fault or liability at the scene. 2 Notify your insurer or broker Contact your insurer or insurance broker as soon as possible. Most policies have a notification timeframe, and late notification can affect your cover. 3 Complete the claim form Your insurer will provide a claim form. Fill it out accurately and completely, attaching all supporting documentation — photos, witness statements, invoices, and any correspondence from the claimant. 4 Cooperate with the investigation Your insurer may appoint a loss assessor or investigator. Cooperate fully, provide any additional information they request, and do not negotiate directly with the claimant unless your insurer instructs you to. 5 Resolution and settlement Your insurer will manage the claim through to resolution — whether that is a negotiated settlement, mediation, or court proceedings. Your legal defence costs are covered under the policy. Public Liability vs Professional Indemnity Insurance These two policies protect against different types of risk. Many businesses need both. Public Liability Professional Indemnity Covers Physical injury and property damage Financial loss from professional errors Triggered by Physical incidents Advice, services, or design errors Policy type Occurrence-based (usually) Claims-made Typical cost $15 - $60/month $25 - $120/month Best for Tradies, retailers, hospitality Consultants, advisers, designers For a detailed comparison, see our Public Liability vs Professional Indemnity guide . Frequently Asked Questions How much does public liability insurance cost in NZ? Public liability insurance in New Zealand typically costs between $15 and $60 per month for small businesses. Actual premiums vary based on your industry, revenue, number of employees, claims history, and the level of cover you choose. Is public liability insurance mandatory in New Zealand? Public liability insurance is not legally required for most NZ businesses. However, it is often contractually required by clients, landlords, and government agencies before you can work on their premises or win contracts. What is the difference between public liability and ACC? ACC covers personal injury costs for the injured person (medical bills, rehabilitation, lost wages). Public liability insurance covers your business's legal liability — the compensation you may owe to the injured party above and beyond what ACC provides, plus property damage claims and legal defence costs that ACC does not cover at all. Does public liability insurance cover my employees? No. Public liability insurance covers claims from third parties — customers, members of the public, and other people who are not your employees. For employee-related claims, you would need statutory liability insurance or employer's liability insurance. Can I get public liability insurance with no claims history? Yes. New businesses and sole traders can obtain public liability insurance. Insurers will assess your industry, projected revenue, and the nature of your work rather than requiring an existing claims history. How quickly can I get public liability insurance? Many standard public liability policies can be arranged within 24 to 48 hours. More complex businesses or higher coverage levels may take longer as the insurer assesses your specific risk profile. Get Your Public Liability Insurance Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/public-liability-vs-professional-indemnity/ Public Liability vs Professional Indemnity NZ 2026 — Side-by-Side Comparison + Cost SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Public Liability vs Professional Indemnity Side-by-side comparison for NZ businesses: what each cover responds to, when you need one, both or neither. Public liability (PL) and professional indemnity (PI) are the two commercial covers most commonly confused with each other. They look similar from a distance — both are 'liability' covers, both respond to claims by third parties, both pay legal defence costs. But they cover materially different exposures, are usually written on different bases, and many businesses need only one rather than both. This guide breaks down the difference, walks through the decision, and gives industry-specific examples. The short version Public liability responds when your business operations cause third-party bodily injury or third-party property damage. Think: a customer trips on a wet floor, a tradie drops a hammer on a client's car, a delivered meal contaminates a customer. Professional indemnity responds when your professional advice, service or specification causes a client to suffer financial loss. Think: an accountant misses a tax deadline, an architect's specification is wrong, a consultant's recommendation leads to a failed project. The two covers can overlap occasionally (e.g. a design-and-build builder whose design caused property damage), but they sit on different sides of the line: physical incident → PL; advice failure → PI . Side-by-side comparison Aspect Public Liability Professional Indemnity Trigger Third-party injury or property damage caused by your operations Financial loss caused by your professional advice, error, omission or breach of duty Typical claimant Customer, member of the public, neighbouring business, other trade on site Client of your professional service Example Customer slips in your café and breaks a wrist Your design specification is wrong and the building has to be rebuilt Policy basis Occurrence (policy at time of event responds) Claims-made (policy at time of claim responds) Retroactive date Not applicable Usually set at policy inception; past work not covered without explicit extension Run-off cover on cessation Usually not needed (occurrence basis) Important (claims-made basis) — past work can generate claims years later Common limits $1m, $2m, $5m, $10m $250k, $500k, $1m, $2m, $5m+ Care, custody and control exclusion Standard — damage to item being worked on usually excluded Not applicable Triggered by physical operations? Yes — the core trigger No — physical damage usually outside scope (handled by PL) Triggered by advice failure? Usually no Yes — the core trigger Which do I need? Decision walk-through Do you operate from a premises with public access (a shop, café, clinic, salon)? → Yes: PL is almost certainly required. → No: PL may still apply if you visit client sites. Do you go to client premises to deliver a service (tradie, cleaner, contractor)? → Yes: PL is required. Do you give professional advice for a fee (consulting, accounting, design, financial advice, IT)? → Yes: PI is required. → No: PI usually not needed unless a contract requires it. Do you produce technical specifications, designs, or sign off on others' work? → Yes: PI is required (design-and-build, engineering, architecture). Do you only sell physical product, with no advice element? → PL is required for the physical operation. PI usually not needed unless product liability is involved. Are you required by a regulator, professional body, or contract to hold one or both? → Hold what's required. Many NZ professional bodies (Engineering New Zealand, NZICA, Royal NZ Institute of Architects, certain financial-adviser registrations) require PI; many commercial contracts and councils require PL. Industry examples Tradies and physical-operations businesses Builders, plumbers, electricians, cleaners, gardeners, scaffolders → PL required, PI usually not unless they sign off on design or specifications. Design-and-build operators are the exception and usually carry both. Professional services Accountants, lawyers-adjacent consultants, financial advisers, IT consultants, marketing consultants → PI required, PL optional (PL becomes required if clients visit the office, or if you visit client sites). Healthcare and allied health GPs, physios, chiropractors, counsellors → Both usually required. PL for the clinic premises, PI for clinical advice and treatment decisions. Most NZ practitioner-registration bodies require PI as a condition of registration. Retail and hospitality Cafés, restaurants, retailers, food trucks → PL required, PI usually not . The exception is where significant advice is part of the service (e.g. a wine retailer giving paid wine-pairing advice). Tech and software Software developers, SaaS operators, IT consultants → PI required, PL optional . Cyber is also a critical add-on for any business holding customer data. A code defect that causes a customer financial loss usually triggers PI. Design-and-build, architecture and engineering Architects, engineers, design-and-build builders → Both required . Most professional-body registrations require PI; most contracts require PL. The interplay between the two is the central insurance-design question for these professions. For deep-dives on each cover, see our public liability insurance and professional indemnity insurance guides. For broader cover priorities, see the small business insurance hub. Frequently asked questions Can I have just one or do I need both? It depends on the business. A purely advice-based business (consultant, accountant, software developer) where no client visits and no physical operations happen often carries professional indemnity only. A purely physical-operations business (cleaner, builder, retailer) often carries public liability only. Many businesses do both — they give advice and have physical operations. A 30-minute conversation with an adviser usually settles this for a specific operation. Which is more expensive, PL or PI? Premiums depend on the trade, turnover, claims history and chosen limits — not directly on which cover type. Higher-risk professions (lawyers, architects, engineers, financial advisers, certain consultants) often pay more for PI than they would for PL. Higher-risk physical trades (roofers, scaffolders, demolition) often pay more for PL than they would for PI. There's no universal 'one is more expensive'. What's the typical claim pattern for each? Public liability claims are usually triggered by an event — a slip, a damaged item, a contaminated product. The claim is often reported soon after the incident. Professional indemnity claims are usually triggered by a discovered outcome — a project failed, advice turned out to be wrong, financial loss emerged later. PI claims often surface months or years after the work itself. Are PL and PI written on the same basis? Usually no. Public liability is typically written on an 'occurrence' basis — the policy in force when the incident occurred is the one that responds. Professional indemnity is typically written on a 'claims made' basis — the policy in force when the claim is reported (or threatened) is the one that responds. This matters because gaps in PI cover (e.g. cancelling and not running off) can leave past work uncovered. Does professional indemnity cover work I did before the policy started? PI is usually written on a claims-made basis with a stated 'retroactive date'. Work done before the retroactive date is not covered. When you set up PI for the first time, the retroactive date is usually the same as the policy start, meaning past work is not covered. Some insurers will offer 'unlimited retroactive' for clean businesses with no prior insurance. What happens to PI cover when I retire or sell the business? Because PI is claims-made, the policy must be in force when a claim is reported. If you cancel cover on retirement, claims arising later (from work done while you were trading) will not be covered. This is why 'run-off cover' exists — a tail policy that maintains PI for a defined period after you stop trading. Standard run-off periods are 3-7 years; some professional bodies require run-off as a condition of ceased registration. Get a quote for public liability, professional indemnity, or both Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). One short form, response within one business day. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/cheapest-public-liability-insurance-nz/ Cheapest Public Liability Insurance NZ — From $12/Month (And the Catches) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / Cheapest PL What is the cheapest public liability insurance in NZ? The cheapest public liability insurance in NZ starts at $12–$15 per month at $1M cover, indicative — typically for sole trader cleaners, freelancers, or low-risk office-based consultants. Cheap premiums usually mean a higher excess and a narrower cover scope , so the lowest sticker price is not always the right policy. The trade-offs behind a cheap quote Higher excess A $1,000 excess instead of $250 reduces monthly premium but means you pay $1,000 of every claim before cover starts. Narrower scope Cheap policies may exclude products liability, advertising injury, tenant's liability, or work overseas. Read the schedule, not just the headline. Lower sub-limits Headline $1M cover can hide $50K sub-limits on individual sections (e.g. fire damage to property of others). Check the policy schedule. Insurer financial strength Unrated or lower-rated underwriters often offer cheaper premiums. Long-tail claims (PL is occurrence-based) can sit with an insurer for years. How to lower premium without dropping cover scope Increase excess: $250 → $500 or $1,000. Bundle: A Combined Business Policy is typically cheaper than separate PL + contents + BI. Pay annually: Monthly instalments usually carry a 5–10% premium loading. Accurate declarations: Misclassified industry or over-stated revenue both inflate premium. Compare via a broker: Same business can receive premiums 30–60% apart from different underwriters. Related guides Public liability insurance NZ — full guide PL cost breakdown by industry Cheap business insurance NZ Compare public liability quotes Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/does-liability-insurance-cover-employee-claims-nz/ Does Liability Insurance Cover Employee Claims in New Zealand? (No — Use These Instead) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / Employee claims Does liability insurance cover employee claims in New Zealand? No. Public liability insurance covers third-party claims — customers, suppliers, the public — not your own employees. Employee injuries are covered by ACC . Employment-related claims (discrimination, harassment, unjustified dismissal) need Employer Liability . Regulatory fines and reparations need Statutory Liability . The three-layer employee cover stack 1. ACC — personal injury at work Covers medical costs, rehabilitation and weekly compensation when an employee is injured at work. Funded by employer ACC levies. Does not cover non-injury claims or property damage. 2. Employer Liability — non-injury employment claims Covers claims by employees for personal grievances not covered by ACC — discrimination, harassment, unjustified dismissal. Typically defence costs and settlements. Read the full employer liability guide → 3. Statutory Liability — regulator action Covers defence costs, reparations and (where insurable) fines under HSWA 2015, Fair Trading Act 1986, Privacy Act 2020. Criminal fines under HSWA cannot be insured; defence and reparations typically can. Quick reference — who covers what Type of claim Right cover Customer injured on your premises Public Liability Employee injured at work ACC (statutory) Employee personal grievance (dismissal, harassment) Employer Liability HSWA prosecution after a workplace incident Statutory Liability Privacy Act 2020 breach + Commissioner action Statutory Liability + Cyber Client claims your advice caused financial loss Professional Indemnity Get the right cover stack quoted Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/essential-insurance-for-startups-nz/ What Insurance Is Essential for Startups in New Zealand? (6 Essentials) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / Startup essentials What insurance is essential for startups in New Zealand? Six essentials for an early-stage NZ startup: Professional Indemnity , Cyber Insurance , Public Liability , Directors & Officers , Business Contents , and Statutory Liability . The smallest viable starting stack is PI + Cyber + PL — add D&O when you take an external board seat, and Statutory Liability when you have employees or process personal data at scale. The six essentials 1 Professional Indemnity What it covers: Protects against client claims for errors, omissions or negligence in your product, advice or service. Claims-made basis. When you need it: Any startup with paying customers. 2 Cyber Insurance What it covers: Costs from data breaches, ransomware, social engineering fraud, regulatory investigations under the Privacy Act 2020, and cyber business interruption. When you need it: Required from day one if you handle customer data. 3 Public Liability What it covers: Third-party bodily injury or property damage from your business activities, including legal defence. When you need it: Required by most office leases and any in-person event. 4 Directors & Officers (D&O) What it covers: Personal liability of directors and officers for decisions made in their role. Covers defence costs and settlements. When you need it: Once you have an external board or institutional investors. 5 Business Contents What it covers: Laptops, monitors, dev kit and office equipment against fire, theft and accidental damage. When you need it: Once you have shared office space or significant kit. 6 Statutory Liability What it covers: Fines (where insurable) and reparations under HSWA 2015, Privacy Act 2020, Fair Trading Act 1986. Criminal fines under HSWA cannot be insured. When you need it: Once you have employees or process personal data at scale. Read the full guides Tech startup insurance NZ — full guide Professional indemnity insurance NZ Cyber insurance NZ Public liability insurance NZ Get your startup cover stack quoted Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/how-much-is-public-liability-insurance-nz/ How Much Is Public Liability Insurance in NZ? ($15–$60/Month Indicative) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / PL price How much is public liability insurance in NZ? Public liability insurance in NZ costs $15–$60 per month indicative for a small business. Tradies typically pay $15–$40, retail shops $20–$50, hospitality $25–$60, cleaners $12–$30. Cover available from $1M (entry / sole trader) to $20M (high-risk or major contracts). Final premium depends on your industry, revenue, cover limit, claims history and excess. Cost by cover limit Cover limit Who it's for $1M Sole traders, home-based consultants, low-foot-traffic businesses. $2M Most common limit — tradies, cleaners, small retailers, service businesses. $5M Retail with significant foot traffic, hospitality, mid-size commercial contracts, government work. $10M Established businesses with multiple employees or larger commercial contracts. $20M Major infrastructure projects, high-risk construction, large public events. Where the money goes Public liability premium pays for three things: legal defence (often the biggest line item — a contested case can run to tens of thousands in solicitor fees), compensation paid to the injured party, and insurer overheads and reinsurance. Even when a claim is dropped, the defence cost is real. Related guides Public liability insurance NZ — full guide Detailed PL cost breakdown Cheapest PL in NZ (and the catches) Get a public liability quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/how-to-claim-liability-insurance-nz/ How to Claim on Liability Insurance in New Zealand — 6 Steps SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / How to claim How to claim on liability insurance in New Zealand Six steps: document the incident, notify your insurer as soon as practicable, do not admit fault or negotiate with the claimant, complete the claim form , cooperate with any assessor, and let the insurer manage the claim through to settlement. Legal defence costs are covered under the policy, separately from compensation. Step-by-step 1 Ensure safety and document Make sure everyone is safe. Take photos of the scene, note the date, time, location and circumstances. Collect contact details of any witnesses. Do not admit fault or sign anything. 2 Notify your insurer or broker Contact your insurer or broker as soon as practicable. Most policies have a notification timeframe — late notification can affect cover. On claims-made PI policies, the claim must be notified within the policy period. 3 Do not engage with the claimant Refer all communication to your insurer. Do not admit liability, offer settlement, or negotiate compensation. Do not respond to demand letters without insurer guidance. 4 Complete the claim form Your insurer will provide a claim form. Fill it out accurately and completely. Attach photos, witness statements, invoices, any correspondence received from the claimant or their lawyer. 5 Cooperate with the investigation Your insurer may appoint a loss assessor or investigator. Cooperate fully — provide any additional information they request. Your insurer manages all communication with the claimant from here. 6 Resolution and settlement Your insurer will manage the claim through to resolution — negotiated settlement, mediation or court proceedings. Legal defence costs are covered under the policy, separately from any compensation paid. Common mistakes Delayed notification. Particularly fatal on claims-made PI policies. Admitting fault at the scene. Even informal "I'm so sorry, this is on me" can be cited against you. Paying the claimant directly. Voids the insurer's right to defend and may void cover. Repairing or destroying evidence. Preserve the scene where reasonable; insurer may want to inspect. Related guides Claims process guide Public liability insurance NZ Professional indemnity insurance NZ Need cover before the next incident? Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/ NZ Business Insurance — Direct Answers to Common Questions SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Direct answers — NZ business insurance Short, NZ-specific answers to the questions Kiwi business owners search most often. Each answer links through to the full guide. How much does public liability insurance cost for a small business in NZ? Indicative $15–$60/month for most NZ small businesses. Read the full answer → What insurance is essential for startups in New Zealand? Six essentials: PI, Cyber, PL, D&O, Contents, Statutory Liability. Read the full answer → New Zealand restaurant public liability insurance — typical cost per year Indicative $300–$720/year ($25–$60/month) for a typical NZ restaurant. Read the full answer → Does liability insurance cover employee claims in New Zealand? No. Employee claims need Employer Liability + Statutory Liability + ACC. Read the full answer → What is the cheapest public liability insurance in NZ? Indicative entry $12–$15/month at $1M limit for sole traders. Read the full answer → How much does professional indemnity insurance cost in New Zealand? Indicative $25–$120/month for a NZ small business or sole practitioner. Read the full answer → How much is public liability insurance in NZ? Indicative $15–$60/month for a small NZ business; cover from $1M to $20M. Read the full answer → How to claim on liability insurance in New Zealand Six steps: document, notify insurer fast, complete claim form, cooperate, settle. Read the full answer → Get a free quote Compare quotes for your specific NZ business through Evolve Group Limited (FSP711891). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/professional-indemnity-insurance-cost-nz/ Professional Indemnity Insurance Cost NZ — $25–$120/Month by Profession SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / PI cost How much does professional indemnity insurance cost in New Zealand? Professional indemnity insurance in NZ costs $25–$120 per month indicative for a small business or sole practitioner. Accountants and bookkeepers sit at $25–$60, IT consultants at $35–$80, architects and engineers at $80–$200, lawyers at $100–$300. Final premium depends on your profession, revenue, cover limit, claims history, and the retroactive date on your policy. Indicative monthly cost by profession Profession Indicative monthly Typical limit Bookkeepers $25–$50 $500K–$1M Accountants $30–$60 $1M–$2M Business / management consultants $30–$70 $1M–$2M IT consultants / software contractors $35–$80 $1M–$2M Architects / engineers $80–$200 $2M–$5M Lawyers (sole or small firm) $100–$300 $2M+ Financial advisers (FSPR-registered) $80–$200 $1M–$2M Prices shown are indicative only. Final premium depends on your specific circumstances. Six factors that drive the price Profession and risk class: Lawyers and engineers carry higher PI than bookkeepers. Fees / revenue: Insurer prices on annual fee income or revenue. Cover limit: $1M → $2M typically adds 30–50%. Claims history: Past circumstances notified, regardless of paid claim, push premium up. Retroactive date: Cover for work done before policy inception costs more. Run-off cover: Continued cover after you stop trading — separate single-premium product. Related guides Professional indemnity insurance NZ — full guide PI cost breakdown by industry Public liability vs professional indemnity Get a professional indemnity quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/public-liability-insurance-cost-small-business-nz/ How Much Does Public Liability Insurance Cost for a Small Business in NZ? ($15–$60/mo) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / Public liability cost How much does public liability insurance cost for a small business in NZ? Public liability insurance for a NZ small business costs $15–$60 per month indicative. Tradies typically pay $15–$40, retail $20–$50, hospitality $25–$60, cleaners $12–$30, and event organisers $30–$80. Final premium depends on your industry, annual revenue, employee count, cover limit ($1M–$20M), and claims history. Indicative monthly cost by industry Industry Indicative cost Typical limit Tradies (builders, plumbers, electricians) $15–$40/month $1M–$2M Retail shops $20–$50/month $1M–$5M Consultants and office-based $15–$35/month $1M–$2M Cafes, restaurants, bars $25–$60/month $2M–$10M Cleaners $12–$30/month $1M–$2M Personal trainers / fitness $15–$35/month $1M–$2M Event organisers $30–$80/month $5M–$10M Prices shown are indicative. Get a quote for your specific business. What changes the price Industry and risk: A roofer pays more than an office consultant. Annual revenue: Higher revenue means greater exposure and higher premium. Number of employees: More staff, more potential incidents. Cover limit: A $5M policy costs more than a $1M policy. Claims history: Previous claims may push the premium up. Excess: A higher excess (deductible) reduces premium but means more out-of-pocket per claim. Read the full guide For a deeper breakdown — cover scope, ACC interaction, cover-limit selection and claims process — see the full Public Liability Insurance NZ guide or the dedicated cost breakdown page . Get your free quote Compare public liability quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/q/restaurant-public-liability-cost-nz/ NZ Restaurant Public Liability Insurance — Typical Cost Per Year ($300–$720) SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes All answers / Restaurant PL cost NZ restaurant public liability insurance — typical cost per year A typical NZ restaurant pays $300–$720 per year ($25–$60/month) for public liability insurance, indicative. Large venues with high foot traffic, full alcohol service, or cover limits of $5M+ commonly sit at the upper end or above. Annual premium varies with seating capacity, alcohol service, delivery operations, location, and claims history. What drives the annual price Seating capacity: More seats means higher foot traffic and higher base premium. Alcohol service: Full on-licence venues pay more than BYO/cafes. Some insurers price liquor liability separately. Delivery operations: Off-premises delivery (own drivers or via aggregators) adds motor and product-liability exposure. Cover limit: $2M is entry; landlord or franchisor may require $5M or $10M. Location: CBD locations with higher rental and footfall typically attract higher premium. Claims history: Previous slip/fall, food-illness or property-damage claims push premium up. Indicative monthly cost band Restaurant type Indicative monthly Indicative annual Small cafe (BYO, <40 seats) $25–$40 $300–$480 Mid-size restaurant (on-licence, 40–80 seats) $40–$60 $480–$720 Large licensed venue (80+ seats, full bar) $60–$150+ $720–$1,800+ Prices shown are indicative only. Final premium depends on the specifics of your venue. Related guides Cafe insurance NZ Public liability insurance NZ — full guide Combined business policy Get a restaurant insurance quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/quote/ Get Business Insurance Quotes Online - Free & Fast | Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Get Quotes Get Your Quote Step 1 of 10 - Takes 2 minutes 2 min left Progress 10 % What type of business do you have? This helps us find the right insurance for you Sole Trader Working independently Small Business 2-20 employees Medium Business 21+ employees Secure & Private 24hr Response No Obligations Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority. © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer --- ### https://smallbusinessinsurance.co.nz/restaurant-insurance-wellington/ Restaurant Insurance Wellington - Hospitality Coverage SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Restaurant Insurance Wellington Comprehensive insurance for Wellington hospitality businesses Wellington's vibrant food scene requires comprehensive insurance protection. From Cuba Street cafes to waterfront restaurants, protect your hospitality business. Essential Restaurant Insurance Public Liability: Critical for customer injuries and food safety claims Business Interruption: Protect against earthquake-related closures Contents & Equipment: Cover for kitchen equipment and fit-out Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/shop-insurance/ Shop Insurance NZ - Retail Store & Business Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Shop Insurance NZ Combined insurance for retail stores and shop owners in New Zealand. Protect your stock, premises, and customers with one tailored policy. Get Free Quotes Compare Coverage Quick Quote Contents & Stock From $30/month Public Liability From $20/month Glass & Signage From $10/month Typical Cost $80-300/month Prices shown are indicative only. Your actual premium will depend on your specific circumstances. What Is Shop Insurance? Shop insurance is a combined policy designed for retail businesses. Rather than buying separate policies for each risk, shop insurance bundles the covers most retailers need into a single package — typically contents, stock, public liability, glass, business interruption, and theft cover. Whether you run a clothing boutique, dairy, cafe, gift shop, or hardware store, shop insurance protects against the risks that are part of daily retail life: customer injuries, break-ins, stock damage, and forced closures. Stock & Contents Your inventory, shopfittings, equipment, and business contents — protected against fire, theft, flood, and damage. Public Liability Customer slips, trips, and product-related injuries. Covers legal costs and compensation for claims against your shop. Business Interruption Lost income if your shop is forced to close due to fire, flood, or other insured events. Covers ongoing expenses while you recover. What's Covered & What's Not Typically Covered Stock and inventory (fire, theft, flood, storm) Shopfittings, fixtures, and furniture Plate glass windows, display cases, signage Cash in the till, safe, or in transit Customer injury on your premises (public liability) Lost income from forced closure (business interruption) Burglary and theft (with security requirements met) Employee dishonesty / fidelity (optional extension) Typically Not Covered Gradual damage, wear and tear, deterioration Voluntary product recalls Online sales and e-commerce (separate cover needed) Intentional damage or fraud Uninsured perils (check your policy schedule) Damage to the building itself (landlord's responsibility) Loss of perishable stock from power failure (unless specified) Shop Insurance by Business Type Different types of retail shops face different risks. Here is what to focus on depending on your shop type. Clothing Boutique Key risks: theft (shoplifting and break-ins), seasonal stock fluctuation, window displays. Focus on: Stock cover with seasonal adjustment, glass and signage, burglary cover. Stock values may double during peak seasons — declare your maximum stock value. Dairy / Convenience Store Key risks: burglary (cash and cigarettes), customer injuries, refrigeration breakdown. Focus on: Burglary cover with adequate security, money cover, spoilage from refrigeration failure, public liability for slip-and-fall incidents. Cafe / Takeaway Key risks: food contamination claims, customer burns/slips, equipment breakdown, spoilage. Focus on: Public liability (food-related claims), equipment breakdown (espresso machines, ovens), spoilage cover, business interruption for kitchen fires. See also retailer insurance . Gift Shop / Homeware Key risks: fragile stock, seasonal trading, display breakage, product liability. Focus on: Stock cover (accurate valuation of fragile items), glass and display case cover, product liability if you import goods directly. Pharmacy Key risks: dispensing errors, controlled substance theft, regulatory compliance, professional liability. Focus on: Professional indemnity (dispensing errors), controlled substance theft protocols, public liability, statutory liability for Medicines Act compliance. Hardware Store Key risks: high stock values, heavy items causing injury, product liability, trade account customers. Focus on: High stock value cover, public liability (heavy items falling, forklift operations), product liability for tools and materials sold. Stock & Inventory Cover Stock is usually your most valuable asset — and the most vulnerable. Getting stock cover right means accurately declaring your stock value and understanding how seasonal fluctuations affect your cover. Key Considerations for Stock Cover 1 Declare Your Maximum Stock Value Your stock sum insured should reflect the maximum value you hold at any point in the year — including seasonal peaks (Christmas, back-to-school, winter stock-up). If you are underinsured, the insurer can apply averaging and reduce your claim proportionally. 2 Replacement Cost vs Market Value Stock is usually insured at cost price (what you paid your supplier), not retail price. Check your policy basis of settlement — some policies pay replacement cost, others pay market value or indemnity value. 3 Stock in Transit If you collect stock from suppliers or receive deliveries, check whether your policy covers goods in transit. Standard shop insurance may not cover stock until it arrives at your premises. Underinsurance Warning If you declare $50,000 in stock cover but actually hold $100,000, you are 50% underinsured. Under the average clause (common in NZ policies), your claim would be reduced by 50%. A $20,000 claim would only pay $10,000. Always declare your peak stock value. Glass & Signage Cover Retail shops rely on glass shopfronts and signage to attract customers. Broken windows — whether from vandalism, accidents, or storms — need urgent replacement to secure your premises and maintain your business image. What Glass Cover Includes Plate glass shopfront windows Internal glass partitions and display cases Neon and illuminated signs Window lettering and frosting Temporary boarding-up costs Toughened, laminated, and specialty glass Important Notes Glass cover is usually a separate section within your shop policy Large or specialty glass panels should be specifically listed and valued Landlords may require tenants to insure glass even if the landlord owns the building Check whether your policy covers the frame as well as the glass Emergency boarding-up is often covered — keep contractor receipts Burglary & Theft Cover Retail shops are a common target for burglary. Insurers typically require minimum security measures as a condition of burglary cover — and failing to meet them could void your claim. Typical Security Requirements Monitored Alarm System Most insurers require a monitored alarm connected to a security company. Self-monitored or unmonitored alarms may not be sufficient. Deadlocks on External Doors All external entry points must have deadlocks or equivalent security. Simple latches are not sufficient. CCTV Cameras Security cameras covering the shop floor, entry/exit points, and till area. Footage retention of at least 14 days is common. Safe for Cash & Valuables Cash must be stored in a safe overnight. Insurers often limit the amount of cash covered outside a safe (e.g., $500 in the till). Employee Dishonesty / Fidelity Cover Standard burglary cover protects against external theft — break-ins by unknown persons. Employee dishonesty (fidelity) cover is a separate extension that covers theft by your own staff. This includes stealing cash from the till, fraudulent refunds, and taking stock. Employee theft is more common than many shop owners realise. If you have staff handling cash or stock, fidelity cover is worth adding to your policy. Indicative Pricing by Shop Type Shop insurance premiums depend on your stock value, shop size, location, and security measures. Below are indicative monthly costs for common retail businesses in New Zealand. Shop Type Typical Stock Value Indicative Cost Clothing Boutique $30K-$80K $60-$140/month Dairy / Convenience $20K-$50K $70-$150/month Cafe / Takeaway $10K-$30K $80-$180/month Gift / Homeware Shop $30K-$100K $60-$130/month Pharmacy $80K-$200K $150-$350/month Hardware Store $100K-$300K $180-$450/month Prices shown are indicative only. Actual premiums depend on location, security measures, claims history, and specific business circumstances. Frequently Asked Questions Common questions about shop insurance in New Zealand. What does shop insurance cover in New Zealand? Shop insurance is a combined package covering the main risks retail businesses face. A typical shop insurance policy includes contents and stock cover (shopfittings, inventory, equipment), public liability (claims from customers injured in your store), glass and signage cover (plate glass windows, display cases, signs), business interruption (lost income if you cannot trade due to an insured event), money cover (cash in transit, in the till, or in a safe), and burglary and theft cover. You can usually tailor the package to your specific shop type. How much does shop insurance cost in NZ? Shop insurance costs vary widely depending on your stock value, shop size, location, and security measures. A small boutique with $30,000 in stock might pay $60-$120/month. A larger retail store with $200,000+ in stock could pay $200-$500/month. High-risk shops (jewellers, electronics, liquor stores) pay more due to higher theft risk. Prices are indicative — your actual premium depends on your specific circumstances. Do I need insurance for a small retail shop? There is no legal requirement to hold shop insurance in New Zealand. However, if you lease your premises, your landlord will almost certainly require you to hold public liability insurance and contents cover as a condition of the lease. Even without a lease requirement, a single customer injury claim, burglary, or fire could cost more than your entire annual revenue. Most small retail businesses find shop insurance is a practical necessity. Does shop insurance cover stock and inventory? Yes, stock and inventory cover is a core component of shop insurance. It covers your trading stock against theft, fire, flood, storm, and other insured events. Important: you need to declare the correct stock value and update it for seasonal fluctuations. If you are underinsured — for example, declaring only half of what you actually hold — the insurer may reduce your claim proportionally under the average clause. Is online selling covered by shop insurance? Standard shop insurance covers your physical retail premises, stock, and in-store operations. If you also sell online, you may need additional cover — particularly cyber liability insurance (for data breaches and payment fraud), product liability for goods shipped to customers, and transit cover for goods in delivery. If online sales are a significant part of your business, consider a separate e-commerce insurance policy or discuss extensions with your broker. What security do I need for shop insurance? Insurers typically require minimum security measures as a condition of cover — particularly for burglary and theft. Common requirements include a monitored alarm system, deadlocks on all external doors, security cameras (CCTV), a safe for overnight cash holdings, and security grilles or shutters on windows in higher-risk areas. Failing to meet these requirements could void your burglary cover. Better security often qualifies you for lower premiums. Get Shop Insurance Quotes Compare shop insurance from NZ providers. Tell us about your retail business and we will find the right cover for your shop. Get Free Quotes Compare Coverage Advice provided by Evolve Group Limited (FSP711891). See our disclosure statement for details. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/small-business-insurance/ Small Business Insurance NZ 2026 — Complete Guide SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Home / Small Business Insurance Guide Small Business Insurance NZ 2026 — Complete Guide Most small-business insurance guides walk you through generic product types. This one names every insurer in the NZ market, shows which are on Evolve’s advisory panel, and walks honestly through the cases where you may be over-buying or under-buying cover. Data refreshed: 19 May 2026 10 insurers · 3 on Evolve panel Quick answer Small business insurance is a stack of covers — public liability + business contents + (sometimes) professional indemnity + (sometimes) business interruption + (sometimes) cyber — rather than a single product. The right stack for your business depends on what you do, who your customers are, and what your contracts require. NZ’s ACC scheme reduces what you need for employee personal-injury cover; commercial leases and trade contracts often set the floor for your public-liability cover. Read the underwriting questions carefully — they are the policy in plain English. Five common business-insurance situations Each is a scenario where a specific clause decides whether the policy pays. Get a quote models your specific situation. Tradie injures a third party on site. Public liability is the policy that responds. Sub-trade contractual indemnities can shift cover; check both your policy and the head-contractor agreement. Consultant gives advice that costs the client money. Professional indemnity covers the legal-defence + damages, subject to claims-made trigger and policy limit. Cafe shuts down for a week after a fire. Business interruption pays lost gross profit during the indemnity period — but only after the waiting period clears (commonly 48-72 hours). Staff member transfers money to a phishing scammer. Social-engineering wire-fraud sits in an ambiguous gap between cyber and crime cover. Most NZ business policies sublimit this; some exclude. E-commerce site is breached and customer data leaks. Standalone cyber cover responds (forensics + Privacy Commissioner notification + customer credit monitoring + BI). Generic business-package cyber endorsements typically have low five-figure caps that are insufficient. How business insurance fits with ACC + Te Whatu Ora NZ business risk has three overlapping commercial responses: ACC (statutory): covers accident-related personal-injury costs for employees and contractors. Funded by levies; access is universal. Makes employer-liability cover much narrower in NZ than overseas. Public health system (Te Whatu Ora): emergency medical care for employees. Free at point of use. Business-paid health insurance for employees is a separate optional benefit, not a regulatory requirement. Commercial insurance: liability to third parties, damage to your own property, lost revenue from interruption, professional negligence, cyber incidents. Premium-funded. The product set this guide covers. The strategic question is not “which insurer is best” — it is “which covers do I need given my exposure”. MBIE’s business.govt.nz insurance guide is the free public-sector starting point. NZ business insurance market Eleven insurers underwrite NZ business insurance. Some are global parents (AIG, Allianz, Chubb, QBE), some are NZ-domiciled (Vero, FMG), some operate through agency arrangements (Ando). The “Evolve panel” column shows which insurers our advisory firm (Evolve Group Limited, FSP711891) can place business with directly. For most business-insurance enquiries, we refer the consumer to Blanket Advice Limited (FSP1004126) — a separately licensed Financial Advice Provider — which can place cover with a wider panel that includes Ando, Vero, NZI, AIG, Chubb, Delta and others. Insurer Legal entity Parent group Evolve panel Policy wording AIG AIG Insurance New Zealand Limited American International Group Off panel Data pending Allianz Allianz New Zealand Limited Allianz SE Off panel Data pending AMP Business Insurance AMP Business Insurance (Vero underwritten) Vero (Suncorp) On panel Data pending Ando Ando Insurance Group Limited Hollard Group (Australia) On panel Data pending Berkshire Hathaway Specialty Insurance Berkshire Hathaway Specialty Insurance Berkshire Hathaway Off panel Data pending Chubb Chubb Insurance New Zealand Limited Chubb Limited Off panel Data pending FMG Farmers' Mutual Group FMG (mutual) Off panel Data pending NZI NZI Insurance IAG New Zealand Off panel Data pending QBE QBE Insurance (International) Limited (NZ branch) QBE Insurance Group Off panel Data pending Vero Vero Insurance New Zealand Limited Suncorp New Zealand On panel Data pending Policy-wording ingest is in progress for the panel-true insurers (Vero, Ando, AMP) and the Blanket-panel insurers (NZI, AIG, Chubb, Delta and others) accessed via referral to Blanket Advice Limited (FSP1004126). Verbatim clause excerpts will populate the comparison table once ingest completes — see ROADMAP. The seven covers that make up business insurance Most NZ small businesses use some combination of these seven covers. Each is a distinct product with distinct claim triggers; understanding what each does decides whether you are over- or under-buying: Public liability Third-party injury and property-damage cover. The most-commonly-bought NZ business insurance; required by many commercial leases and trade contracts. Professional indemnity Cover for claims arising from professional advice or services. The product to look at for consultants, accountants, architects, IT services. Business interruption Lost revenue when an insured event (fire, flood, cyber, named-peril) stops the business operating. Indemnity period and waiting period matter most. Cyber endorsement vs standalone cyber Most business-package policies bundle a small cyber sublimit; standalone cyber cover offers materially higher limits and proper first-response services. Employer liability NZ’s ACC scheme covers most employee accident-related costs; employer-liability cover fills the narrow remaining gap (gradual-process injuries, ACC-uninsured edge cases). Commercial vehicle Vehicles used for business need commercial cover (private cover is generally voided when used in trade). Telematics-based pricing is becoming common. Sublimit structure Business policies use aggregate and per-event sublimits across categories. The headline policy limit is rarely the limit that pays for any specific claim. Industry-specific guidance Insurance needs differ materially by industry. These pages cover the practical considerations for the most common NZ small-business types: Tradies Public liability + tools cover are the foundation; ACC for personal injury. Builders Public liability + contract works + indemnity; check site-specific contract requirements. Cleaners Public liability + client-property cover; key-and-lock cover for accessing premises. Consultants Professional indemnity is the headline product; public liability secondary. E-commerce Cyber + product-liability + business-interruption from platform outages. Freelancers Typically a minimal public-liability + professional-indemnity bundle. Retailers Stock + public-liability + business-interruption; theft and fire dominate claims. Tech startups PI + cyber + D&O often packaged for investor due diligence. By region Business insurance pricing is mostly national, but regional factors (natural-hazard zoning, sector concentration, broker presence) can shift quotes. Our regional pages cover the practical considerations for each main NZ business region: Auckland Wellington Christchurch Hamilton Twelve things worth knowing before you buy The honest answers — including the ones a broker might not lead with. The point of this page is for you to make a good decision, not for us to sell a policy. 1. A combined business policy is rarely the cheapest path Combined / package business policies bundle public liability + material damage + business interruption + a few smaller covers into one product. Convenient. The trade-off is that each component is often lighter than the standalone equivalent — bundled cyber endorsements are the classic example (low sublimit, no first-response panel). For most businesses with meaningful exposure in one area, a standalone product in that area beats the bundled version on cover, sometimes on price too. 2. ACC covers more than most businesses assume NZ’s ACC scheme covers accident-related personal-injury costs for all employees and contractors, regardless of fault. This makes employer-liability cover a much narrower product in NZ than in jurisdictions with private workers-compensation insurance. The remaining gap (gradual-process injuries, mental-health claims, ACC-uninsured edge cases) is real but small. Check what you are buying before paying premium for an “employer liability” product that mostly overlaps with ACC. 3. Cyber endorsements on package policies are mostly tokenistic Most NZ business-package policies bundle a "cyber" cover with a low sublimit (often in the low five figures) and no 24-hour breach-response hotline. Any material cyber incident exhausts the sublimit on forensic costs alone. If cyber risk matters to your business, buy standalone cyber cover with proper limits and a tested first-response panel. See cyberinsurancequotes.co.nz . 4. Public liability minimums in your contracts decide your floor NZ commercial leases and trade contracts commonly mandate public-liability cover at a defined floor (a few million dollars is typical). Read your contracts — the floor in the head-contract is the floor your policy must meet, regardless of whether the floor matches your actual risk exposure. Going below the contractual floor breaches the contract. 5. Professional indemnity is claims-made Almost all NZ professional-indemnity policies are claims-made — the policy that responds is the one in force when the claim is notified, not the one in force when the work was done. If you switch insurers or wind down a business, run-off cover bridges the gap between active policy and final statutory limitation period (typically six years in NZ). Without run-off, latent professional-negligence claims that surface after policy cancellation are uninsured. 6. Business interruption waiting periods are the BI deductible BI cover starts paying after a waiting period (commonly 24, 48, or 72 hours). If your business restores operations faster than the waiting period, BI does not pay anything — even if you lost meaningful revenue during the outage. The waiting period is effectively the BI deductible; pick it with your actual cashflow capacity in mind. 7. Material damage cover usually has a per-item sublimit A large contents sum-insured sounds comprehensive but the wording typically caps individual-item claims (a single laptop, a single piece of equipment) at a much smaller sublimit. For businesses with one or two high-value assets that drive most of the insured value, check the per-item cap before assuming the headline limit is the limit that pays. 8. GST on premium is recoverable; claim payments are not income NZ business insurance premiums attract GST, which GST-registered businesses can claim back as input credits — the effective premium cost is ex-GST. Claim payments are not GST-output transactions and not subject to income tax (they reimburse losses, not generate revenue). Speak to your accountant for the specifics of your structure. 9. A short, well-documented business continuity plan beats a higher BI sublimit Most BI claims hinge on documenting what the business did during the interruption — payroll continued, supplier obligations met, customer communications managed. A simple written continuity plan plus daily-financial-records discipline cuts the time-to-claim-payment by weeks. The plan does not need to be elaborate; a single-page checklist beats nothing. 10. Underwriting questions are the policy in plain English When you fill in an underwriting application, the questions you answer are what the insurer relies on to price and accept the risk. Non-disclosure or misstatement of answers can void the policy at claim time. Read the questions carefully, answer them precisely (err on full disclosure), and keep a copy. If the question is ambiguous, ask the broker to confirm the answer in writing before submission. 11. For most NZ SMEs, broker placement beats direct-to-consumer Most NZ business insurance is broker-distributed. Brokers are paid by the insurer (not by you) and hold agency agreements with multiple insurers, so they can shop pricing and wording. For non-standard businesses, brokers also write the underwriting submission in language that wins more favourable terms. Direct-to-consumer is competitive only for the most standard sole-trader exposures. 12. Use MBIE business.govt.nz before paying for advice MBIE’s business.govt.nz insurance guide covers the regulated baselines for free. WorkSafe NZ publishes industry-specific health-and-safety obligations that interact with insurance underwriting. Reading both first lets you arrive at any broker conversation with a clear understanding of what you need and why. Frequently asked questions The 24 questions below are the ones NZ businesses actually search for. Answers are factual and link to deeper pages on the technical topics. 1. What is small business insurance in New Zealand? A category of commercial insurance covering liability, property damage, business interruption, and related risks for businesses with limited revenue or staff. Standard components include public liability, professional indemnity, business contents, commercial vehicle, and (optionally) cyber. Distribution is primarily via licensed Financial Advice Providers (brokers) holding agency agreements with insurers. 2. What insurance does a small business actually need in NZ? Depends on the business model. The most common foundation is public liability + business contents. Service businesses add professional indemnity. Businesses with employees add an employer-liability top-up to ACC. Businesses handling customer data add cyber cover. The right combination is what closes your specific exposure gaps; a broker can model your situation. 3. How much does small business insurance cost in NZ? Premiums vary widely by industry, revenue, claims history, location, and the specific covers selected. We do not publish generic ranges — they would be misleading for any specific business. The most reliable answer is to get a quote from a licensed broker. 4. Is business insurance compulsory in NZ? Most business insurance is not legally compulsory but is often required by contract. Commercial leases typically mandate public liability cover at a defined minimum. Trade contracts often require public liability + workers/contractors cover. Some regulated professions (lawyers, accountants, financial advisers) face professional-indemnity minimums set by their licensing body. 5. What does public liability insurance cover? Third-party bodily injury and third-party property damage caused by your business activities, plus the legal-defence costs. It does not cover injury to your employees (that is ACC + employer liability), damage to your own property (that is material damage), or professional negligence (that is professional indemnity). 6. What is professional indemnity, and who needs it? Professional indemnity covers claims arising from professional advice, services, or designs — alleged negligence, errors, omissions, or breach of professional duty. Anyone whose service is bought for their expertise rather than a tangible product typically needs it: consultants, accountants, architects, engineers, IT services, designers, financial advisers, and regulated professions. 7. What does business interruption cover? Lost gross profit and continuing fixed costs while an insured event (fire, flood, vandalism, certain named perils, sometimes cyber) prevents normal operation. Pays after a waiting period (typically 24-72 hours) and continues through a defined indemnity period (typically 3-12 months). The waiting period is effectively the BI deductible. 8. Do I need cyber insurance if my business policy already mentions cyber? Most business-package policies include a small cyber sublimit (often in the low five figures) with no first-response services. That is enough for a notification letter and minor expenses; it is not enough for a material breach. If cyber risk matters to your business — customer data, regulated industry, cloud-dependent operations — standalone cyber cover offers materially higher limits and proper response services. See cyberinsurancequotes.co.nz . 9. How does ACC interact with my business insurance? ACC covers accident-related personal-injury costs for employees, contractors, and the self-employed in NZ, regardless of fault. This makes employer-liability and personal-injury cover much narrower products in NZ than overseas. Your business insurance does not duplicate ACC; it covers liability and property-damage risks that ACC does not address. 10. Are insurance premiums tax-deductible for NZ businesses? Generally yes — business insurance premiums are deductible business expenses. GST on premium is recoverable as input credit for GST-registered businesses. Claim payments are not GST output-tax events and not income-tax revenue. Speak to your accountant for the specifics of your structure. 11. What is a "claims-made" policy? A claims-made policy responds to claims notified during the policy period, regardless of when the underlying event occurred (subject to a retroactive date). Professional indemnity and cyber are almost always claims-made. The implication: when you cancel or switch insurers, claims notified after the policy ends are not covered unless you buy run-off cover. 12. What is run-off cover and when do I need it? Run-off cover extends a claims-made policy beyond cancellation, so claims notified after the policy ends (relating to work done during the policy period) remain covered. Critical when winding down a professional-services business or switching insurers without continuous cover. Run-off is usually purchased for the statutory limitation period (typically six years in NZ). 13. How do I file a claim? Notify the insurer (or broker) as soon as practicable after the event. Document everything from the moment of detection — photos, communications, decisions, expenses. The insurer typically appoints a loss adjuster for material claims; cooperate fully and keep records of all related expenses. See the claims process guide . 14. Can I cancel my policy mid-term? Yes. Most NZ business policies allow cancellation any time, with the insurer refunding pro-rata of unearned premium less an administration fee. The cooling-off period (typically 14-30 days from inception) allows full premium refund. Cancelling a claims-made policy without arranging run-off creates an uninsured tail — be cautious. 15. Why does my industry affect the premium? Insurers price by claim frequency and average claim cost per industry. Higher-risk industries (construction, transport, manufacturing) attract higher base rates. Lower-risk industries (consulting, software-services) attract lower base rates. Within each industry, your specific revenue, claims history, and risk-management practices adjust from the base rate. 16. What is "underinsurance" and how do I avoid it? Underinsurance is when the sum insured is less than the actual value of the asset or risk at the time of claim. NZ business policies often include a "co-insurance" or "averaging" clause that reduces claim payouts proportionally when the sum insured is too low. Review your sums insured at least annually as the business grows. 17. What is the difference between replacement cost and indemnity value? Replacement cost insures the new-for-old cost of replacing damaged property. Indemnity value insures the current depreciated value. Replacement cost is more expensive but pays more at claim time. Most NZ business contents policies default to replacement cost; older specialised equipment may be insured at indemnity value. 18. How does business insurance work for home-based businesses? Home-based businesses face two coverage gaps: (1) residential contents policies typically exclude business assets and (2) public liability of a home business is not covered by personal liability under the residential policy. The fix is a small home-business policy or an endorsement onto an existing business package. See the home-business insurance guide . 19. Can a contractor or freelancer get business insurance? Yes — public liability + professional indemnity are commonly bought together as a small bundle for contractors and freelancers, often with relatively low premiums. Contracts with larger clients often mandate this cover. 20. How are claims handled in NZ business insurance? The Insurance Council of NZ publishes annual claim statistics. For most lines, claim-paid rates are high once a covered event triggers — the disputes tend to be about whether the event was covered, not whether to pay. The detailed annual figures are at icnz.org.nz . 21. What does the Fair Insurance Code require? ICNZ's Fair Insurance Code binds member insurers to fair-dealing standards in selling, underwriting, and claim handling. Most NZ business insurers are ICNZ members. Breaches of the Code can be raised with the insurer's internal disputes process and, if unresolved, with the external dispute-resolution scheme. 22. Where do I take an insurance dispute? Start with the insurer's internal complaints process. If unresolved, escalate to the relevant external dispute-resolution scheme — most NZ business insurers are members of either IFSO (Insurance & Financial Services Ombudsman) or FSCL . Both are free to consumers, independent of insurers, and can make binding decisions up to a published cap. 23. What is the role of WorkSafe NZ in business insurance? WorkSafe is the regulator for health-and-safety in the workplace. It does not directly regulate insurance, but its findings on serious workplace incidents materially affect insurance claims (especially employer liability and public liability). A WorkSafe investigation following a workplace incident is often the trigger for a related insurance claim. worksafe.govt.nz . 24. How do I know if my insurer has recently changed the policy wording? Wordings change at each renewal cycle. When renewing, ask your broker (or the insurer if going direct) for a wording-change summary — what altered since last year. If the section higher up this page titled "Recent policy changes" is visible, those are the most recent tracked revisions across the wordings we track. Claiming, and what to do when something goes wrong Notify the insurer (or your broker) as soon as practicable after the event. Document everything from the moment of detection — photos, communications, decisions, expenses. The insurer typically appoints a loss adjuster for material claims; cooperate fully and keep records of all related expenses. See the claims process guide . If the insurer declines a claim you believe should have been covered: start with the insurer’s internal complaints process. If unresolved, escalate to the relevant external dispute-resolution scheme — most NZ business insurers are members of either IFSO or FSCL . Both are free to consumers and can make binding decisions up to a published cap. ICNZ’s Fair Insurance Code binds member insurers to fair-dealing standards in selling, underwriting, and claim handling. A five-step selection checklist Read your contracts first. Commercial leases and trade contracts often mandate cover at a defined floor. Your policy must clear that floor. Map the seven covers to your exposure. Public liability + business contents are foundational; professional indemnity, BI, cyber, employer liability, commercial vehicle are situational. Quote the panel-true insurers first. Through Evolve directly, that is AMP (underwritten by Vero). Through referral to Blanket Advice Limited (FSP1004126), that adds Ando, Vero, NZI, AIG, Chubb, Delta and others. Each has different underwriting appetite for specific industries. Read the underwriting questions carefully. They are the policy in plain English. Full disclosure protects the claim. Set a renewal calendar reminder. Wordings change each year; revisit the cover annually as the business grows or pivots. Get a quote → Cover calculator Browse industries References and authoritative sources MBIE business.govt.nz insurance guide — the free public-sector starting point. WorkSafe NZ — health-and-safety regulator; findings affect liability insurance claims. ACC — accident compensation scheme; reduces employer-liability cover needs. ICNZ — Insurance Council of NZ; Fair Insurance Code; claim statistics. FMA — regulator for licensed Financial Advice Providers. IFSO Scheme · FSCL — external dispute resolution. Operated by Evolve Group Limited (FSP711891), licensed Financial Advice Provider. Last reviewed 19 May 2026. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/sole-trader-insurance/by-industry/ Sole Trader Insurance by Industry NZ 2026 — Cover Stack for 12 Common Sole-Trader Types SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Sole trader insurance / By industry Sole trader insurance by industry — NZ Right-sized cover stack and indicative monthly cost for 12 common sole-trader types. Sole trader type Cover stack Indicative monthly Tradie sole trader (builder, plumber, electrician) PL ($2M) + Tool ($10–20K) + Vehicle (business use) $45–$110 Cleaner (domestic, part-time) PL ($1M) $12–$25 Cleaner (commercial, full-time) PL ($2M) + Tool / equipment $25–$60 Consultant / coach (advice-only) PI ($1M) + PL ($1M) optional $30–$70 IT contractor / software developer PI ($1M) + Cyber + PL ($1M) $50–$130 Bookkeeper / accountant sole practitioner PI ($500K–$1M) + Cyber $40–$90 Photographer / videographer PL ($1M) + Equipment cover $25–$55 Personal trainer (mobile) PL ($1M–$2M) + PI ($500K) $25–$50 Hairdresser / beauty therapist (home or mobile) PL ($1M) + PI ($500K) $25–$50 Marketing / PR freelancer PI ($500K–$1M) + Cyber $30–$70 E-commerce sole trader PL (product liability) + Cyber + Contents $40–$100 Food truck / market stall PL ($2M) + Contents + Vehicle $45–$100 Costs shown are indicative. The sole-trader cover question Sole traders carry unlimited personal liability — there is no separate company shielding personal assets. The right cover stack therefore depends on two things: What you do: Physical work → public liability. Advice → professional indemnity. Customer data → cyber. Your personal net worth at risk: A $1M PL limit is meaningless if your home equity sits behind that limit — scale cover to the assets at risk. Get a sole trader quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/sole-trader-insurance/ Sole Trader Insurance NZ 2026 — Public Liability, PI & Tools Cover for Sole Traders SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Sole Trader Insurance NZ As a sole trader, your personal assets are on the line. Get the right insurance to protect your livelihood, your tools, and your reputation — without paying for coverage you don't need. Get Free Quotes Compare Coverage Indicative pricing from $60/month for combined cover. Operated by Evolve Group Limited (FSP711891). What Insurance Does a Sole Trader Need? Most sole traders need a combination of these four types of cover. The right mix depends on your industry and the work you do. Public Liability Insurance Covers claims if your work causes injury to someone or damages their property. Essential if you work on client sites, in public spaces, or have anyone visiting your workspace. From $15/month | Coverage from $1M to $10M Learn more → Professional Indemnity Insurance Protects you if a client claims your advice, designs, or services caused them a financial loss. Critical for consultants, designers, IT professionals, and anyone providing expert advice. From $20/month | Coverage from $250K to $5M Learn more → Tools & Equipment Insurance Covers the cost of replacing tools, equipment, and portable business assets if they are stolen, damaged, or lost. Important for tradies and anyone who relies on specialised gear. From $10/month | Covers tools on-site and in transit Business Interruption Insurance Replaces lost income if you cannot work due to an insured event — fire, flood, major equipment failure, or a key supplier going down. Keeps the bills paid while you get back on your feet. From $15/month | Covers lost income + ongoing costs Learn more → How Much Does Sole Trader Insurance Cost? Indicative monthly pricing for sole traders in New Zealand. Your actual premium will depend on your industry, revenue, coverage limits, and claims history. Cover Type Indicative Cost Typical Cover Limit Public Liability From $15/month $1M — $10M Professional Indemnity From $20/month $250K — $5M Tools & Equipment From $10/month Up to $50K replacement Business Interruption From $15/month Up to 12 months income Combined Package From $60/month Varies by insurer All prices are indicative only and exclude GST. Actual premiums depend on individual risk assessment. Bundled packages may offer lower total costs than buying policies separately. Sole Trader vs Company Insurance — What's Different? Sole traders face unique risks compared to limited companies. Understanding these differences helps you choose the right cover. Lower Premiums Sole trader policies are typically less expensive than company policies. No employees means no employer liability cover needed, and lower revenue generally means lower premiums across all policy types. Simpler Policies Without employees, company vehicles, or complex operations, sole trader insurance is straightforward. Many insurers offer streamlined packages designed specifically for one-person businesses with quick online applications. Personal Liability Risk This is the big one. Unlike a limited company, a sole trader has no legal separation between personal and business assets. If your business is sued, your home, car, and savings are all at risk. Insurance is your primary protection. Industries Where Sole Trader Insurance Is Essential While every sole trader should consider insurance, these industries have higher risk profiles or common contractual requirements for cover. Tradies & Contractors Builders, electricians, plumbers, painters. High physical risk, expensive tools, and clients almost always require public liability cover. Key cover: Public liability + tools insurance Consultants & Advisers Management consultants, accountants, financial advisers, HR consultants. Advice-based work means professional indemnity is essential. Key cover: Professional indemnity Cleaners & Property Maintenance Commercial and residential cleaners, gardeners, property maintenance. Working in client spaces creates liability risk for property damage. Key cover: Public liability + equipment Freelance IT & Developers Web developers, software engineers, IT support. A coding error or system failure that causes client downtime can trigger significant claims. Key cover: Professional indemnity + cyber Personal Trainers & Fitness Personal trainers, yoga instructors, sports coaches. Physical contact and exercise-related injuries make public liability a must-have. Key cover: Public liability Photographers & Creatives Photographers, videographers, graphic designers. Expensive equipment, working at events, and creative deliverables that clients may dispute. Key cover: Equipment + professional indemnity Common Risks & Claims for Sole Traders These illustrative examples show the types of claims sole traders commonly face and how insurance responds. Illustrative example Plumber Floods a Client's Kitchen A sole trader plumber accidentally ruptures a pipe during a repair, causing water damage to the client's kitchen floor, cabinetry, and appliances. The repair and replacement costs come to $18,000. Covered by: Public Liability Insurance Illustrative example IT Consultant's Advice Causes Data Loss A freelance IT consultant recommends a server migration approach that results in the client losing three days of transaction data. The client claims $45,000 in lost revenue and recovery costs. Covered by: Professional Indemnity Insurance Illustrative example Tools Stolen from a Work Van An electrician's van is broken into overnight. Specialised testing equipment, power tools, and materials worth $12,000 are stolen. Without tools, they cannot work for two weeks while replacements are sourced. Covered by: Tools & Equipment Insurance Illustrative example Workshop Fire Halts Business A cabinetmaker's workshop is destroyed by an electrical fire. They cannot fulfil existing orders or take new work for three months while premises are rebuilt and equipment replaced. Covered by: Business Interruption Insurance Do Sole Traders Legally Need Insurance in NZ? The short answer: not compulsory, but often required New Zealand does not have a blanket legal requirement for sole traders to hold business insurance. However, there are several situations where insurance is effectively mandatory: Client contracts: Many businesses, government agencies, and councils require contractors to hold public liability insurance (often $1M-$2M minimum) before engaging them. Professional bodies: Some professional associations and registration boards require members to hold professional indemnity insurance as a condition of membership or licensing. Lease agreements: If you rent commercial premises, your landlord may require public liability insurance as a condition of the lease. ACC Does Not Cover Everything Many sole traders assume ACC provides comprehensive coverage. While ACC covers personal injury from accidents, it has significant gaps that business insurance fills: ACC does not cover damage you cause to a client's property ACC does not cover claims of professional negligence ACC does not cover theft of your tools or equipment ACC does not cover lost income from non-injury events (fire, flood, etc.) ACC does not cover legal defence costs if you are sued Frequently Asked Questions Do sole traders need insurance in New Zealand? Insurance is not legally compulsory for sole traders in NZ, but it is often contractually required. Many clients, especially government agencies and large businesses, require proof of public liability and/or professional indemnity insurance before engaging a sole trader. ACC covers personal injury but does not cover third-party property damage, professional negligence, or business losses. How much does sole trader insurance cost in NZ? Sole trader insurance in New Zealand typically costs from $60 to $150 per month for a combined package. Public liability alone starts from around $15/month, professional indemnity from $20/month, and tools/equipment cover from $10/month. Your actual premium depends on your industry, revenue, coverage limits, and claims history. What is the difference between sole trader insurance and company insurance? Sole trader insurance is generally simpler and lower-cost because there are no employees to cover and operations are typically smaller. However, a key difference is personal liability — as a sole trader, your personal assets (home, car, savings) are not separated from your business. This makes liability insurance particularly important for sole traders. Does ACC cover sole traders for everything? No. ACC covers personal injury from accidents, but it does not cover damage you cause to a client's property, claims of professional negligence, loss of your tools or equipment, business interruption costs, or legal defence costs. These gaps are what sole trader insurance is designed to fill. Can I get sole trader insurance if I work from home? Yes. Many sole traders operate from home, and standard home insurance typically excludes business activities. Sole trader insurance covers your business operations regardless of where you work — at home, on client sites, or in shared workspaces. You may also want to check whether your home contents policy covers business equipment. What happens if a sole trader gets sued without insurance? Without insurance, a sole trader is personally liable for all claims and legal costs. Unlike a limited company, there is no separation between personal and business assets. A single claim for property damage, professional negligence, or injury could result in personal bankruptcy. Legal defence costs alone can run into tens of thousands of dollars, even if the claim is ultimately unsuccessful. Get Sole Trader Insurance Quotes Today Tell us about your business and we'll find the right cover at the right price. Free quotes, no obligations. Get Free Quotes Operated by Evolve Group Limited (FSP711891). Indicative pricing only — actual premiums depend on individual risk assessment. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/terms/ Terms of Use - Small Business Insurance NZ SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Terms of Use Service terms and conditions Last updated: April 2026 Introduction Welcome to SmallBusinessInsurance.co.nz. This website is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider regulated by the Financial Markets Authority, trading as Evolve. By accessing or using our website, you agree to these Terms of Use. If you do not agree with any part of these terms, please do not use our service. We may update these Terms of Use at any time. The latest version will always be available on this page. What We Do SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This site provides general information and comparison tools to help users find and compare business insurance options. All enquiries through this site are received by Evolve Group Limited. The primary Evolve adviser (Nevil Chand, FSP501687) makes initial contact by email to gather any additional information needed. Personal-risk enquiries (life, key-person, trauma, income protection, medical) are then advised on directly by Evolve Group Limited. Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who provide the regulated financial advice for the business-insurance portion of your enquiry. By using our service, you understand that insurance products are issued by the relevant insurance providers, that financial advice is provided by Evolve Group Limited or Blanket Advice Limited as set out above, and that neither party acts as the insurer. Financial Advice Disclosure The general content on this website is for informational purposes only and does not constitute personalised financial advice. Personalised financial advice is provided by the licensed advisers of Evolve Group Limited (FSP711891) or, for business-insurance enquiries referred on, by Blanket Advice Limited (FSP1004126). Both are regulated under the Financial Markets Conduct Act 2013. When you submit an enquiry through this site, you will be contacted by Evolve Group Limited first. Depending on the nature of your enquiry, your details may then be referred to Blanket Advice Limited. The adviser providing your regulated advice will provide their recommendation in writing. Commission Disclosure Evolve Group Limited may receive commission from insurance providers when you take out a policy. In the interests of transparency: Business insurance commission: 0% to 25% of the annual premium Personal risk insurance commission: 0% to 220% of the first year's premium (life, trauma, income protection) Servicing commission: 0% to 30% ongoing Evolve does not receive volume-based or sales target-based payments from insurance providers Evolve provides all recommendations in writing Full commission details will be disclosed to you before you proceed with any insurance product. You are entitled to request further information about commissions at any time. 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Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/tool-insurance/ Tool Insurance NZ 2026 — Tradie Tools & Equipment Cover Against Theft, Damage & Loss SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tool & Equipment Insurance NZ Specialised cover for NZ tradies — tools, equipment, and portable assets. Protection against theft from vehicles, site theft, accidental damage, and loss in transit anywhere in New Zealand. Indicative cost $10–$40 per month per $10K of tools , indicative. Cost depends on tool value, where tools are stored overnight, locked-vehicle requirements, and claims history. Tools left unattended in an unlocked vehicle are typically excluded. Get Free Quotes Compare Coverage What Is Tool Insurance? Tool insurance — also known as portable equipment insurance or tools of trade cover — is a specialised insurance policy that protects the tools, equipment, and portable assets you use for work. It covers theft, accidental damage, and loss, whether your tools are on a job site, in your vehicle, in transit, or at your workshop. For tradies across New Zealand — builders, plumbers, electricians, painters, landscapers, and other tradespeople — tools are your livelihood. A typical tradie carries a substantial value of tools and equipment in their van or ute. If those tools are stolen or damaged, you cannot work until they are replaced. Standard home contents insurance or commercial property insurance may not adequately cover portable tools, particularly tools stored in vehicles, taken to job sites, or used away from your home or workshop. Tool insurance is designed specifically for this mobile, high-risk use. Policies are available as standalone cover or as part of a broader tradie insurance package that combines tool cover with public liability and other business covers. What Does Tool Insurance Cover? Theft from Vehicles Covers tools stolen from your locked van, ute, or trailer. Security conditions typically apply — see the security requirements section below. Illustrative example: a plumber's tools worth $12,000 are stolen from a locked canopy on their ute overnight. Job Site Theft Covers tools stolen from building sites, customer premises, or other work locations. Some policies require tools to be in a locked container or secured area on site after hours. Illustrative example: an electrician's kit bag is stolen from an active construction site during a lunch break. Accidental Damage Covers tools damaged during work or transport — such as dropping a laser level from scaffolding, a power tool falling from a ladder, or tools damaged when your vehicle is involved in an accident. Transit Cover Covers damage to or loss of tools while being transported between locations — whether in your vehicle, on a trailer, or via courier. Includes cover during loading and unloading. Hired or Leased Equipment Many policies can extend to cover equipment you have hired, leased, or borrowed and are responsible for — such as a rented concrete saw or hired scaffolding components. Usually available as an optional extension. Natural Disaster Damage Covers tools damaged by earthquakes, floods, storms, and other natural events. Particularly relevant in New Zealand given the country's seismic and weather exposure. What's NOT Covered by Tool Insurance Wear and tear / gradual deterioration — tools that have worn out through normal use, rust, corrosion, or gradual breakdown are not covered. Insurance is for sudden, accidental events Theft from unsecured vehicles — if your vehicle was left unlocked, windows were open, or tools were visible and not in a locked compartment, the claim may be declined Electrical or mechanical breakdown — internal failure or breakdown of power tools (motor burnout, battery failure) without an external cause is typically excluded Mysterious disappearance — tools that have gone missing without evidence of theft or a specific event (you simply cannot find them) are usually excluded Consumables and accessories — drill bits, saw blades, sandpaper, screws, and other consumable items are typically excluded as they are expected to be used up Misuse or modification — damage caused by using tools outside their intended purpose or from unauthorised modifications is not covered How Much Does Tool Insurance Cost in NZ? Tool insurance premiums depend primarily on the total value of tools you are insuring and your trade. Below are indicative monthly premium ranges by trade and tool value. Actual premiums vary — your insurer will assess your specific circumstances. Trade Typical Tool Value Indicative Monthly Cost Painter / decorator $3,000 - $8,000 $15 - $25/month Electrician $8,000 - $20,000 $20 - $40/month Plumber / gasfitter $10,000 - $25,000 $25 - $45/month Builder / carpenter $15,000 - $40,000 $30 - $60/month Landscaper $10,000 - $30,000 $25 - $50/month Specialist trades (tiler, roofer) $5,000 - $15,000 $18 - $35/month Factors That Affect Your Premium - Total insured value: The more your tools are worth in total, the higher the premium. Keeping an accurate inventory prevents over- or under-insuring - Replacement value vs market value: Choosing replacement (new-for-old) cover costs more than market value (depreciated) cover, but avoids out-of-pocket gaps at claim time - Security measures: Lockable toolboxes, canopies, GPS trackers, and alarm systems can reduce your premium. Some insurers offer discounts for specific security measures - Claims history: Previous tool theft or damage claims will increase your premium. A claims-free record works in your favour - Excess amount: A higher excess (e.g., $500 vs $250) reduces your premium but means you pay more out of pocket per claim - Location: Tradies working in higher-crime areas or leaving tools on remote sites may face higher premiums Who Needs Tool Insurance? Any tradesperson or business owner who uses portable tools and equipment for work should consider tool insurance. If your tools are your livelihood and losing them would prevent you from earning income, this cover is essential. Tool insurance is particularly important for tradespeople who: Carry tools in their van or ute and leave them in the vehicle overnight Work across multiple job sites and cannot always secure tools in a locked building Own specialist or high-value equipment that would be expensive to replace Hire or borrow equipment and are responsible for its safety Builders and carpenters Electricians Plumbers and gasfitters Painters and decorators Landscapers and arborists Tilers and flooring installers Roofers HVAC technicians Automotive mechanics Surveyors (expensive equipment) Photographers and videographers Cleaning companies Is Tool Insurance Legally Required in NZ? Tool insurance is not legally required in New Zealand. There is no law that mandates tradespeople to insure their tools and equipment. However, there are situations where it is effectively required or strongly advisable: Financed or leased equipment If you have purchased tools or equipment on finance, the finance company will typically require you to insure the items for the duration of the loan. The same applies to leased equipment — the lessor usually requires the lessee to carry insurance. Hired equipment responsibility When you hire equipment from a hire company (e.g., Hirepool, Kennards), the hire agreement makes you responsible for loss or damage while the equipment is in your possession. Without insurance, you pay the full replacement cost out of pocket. Contract requirements Some principal contractors and project managers require subcontractors to hold adequate insurance for their tools and equipment as a condition of engagement on the job site. ACC does not cover tool replacement ACC covers personal injury from workplace accidents, but it does not cover the cost of replacing damaged or stolen tools. If your tools are destroyed in a workplace incident, ACC pays for your medical treatment but not for the tools themselves. Security Requirements and Tool Inventory Tips Most tool insurance policies include security conditions that you must meet for your cover to apply. Failing to meet these conditions is one of the most common reasons tool insurance claims are declined. Understanding and following these requirements is essential. Common Security Requirements Vehicle security All doors and windows must be locked. Tools should be stored out of sight — in a lockable toolbox, canopy, or enclosed van. Leaving tools on an open tray or visible through windows may void your cover. Overnight storage Some policies require tools to be stored in a locked building overnight rather than left in a vehicle. Check whether your policy has an unattended vehicle limitation. Job site security On construction sites, tools left after hours should be in a locked container, site shed, or secured area. An unsecured site may result in a declined claim. Police report requirement All theft claims require a police report to be filed. Report the theft promptly and obtain a police reference number for your insurer. Creating a Tool Inventory What to record For each tool: brand, model, serial number, purchase date, purchase price or current replacement cost. Include accessories and cases. Photograph everything Take clear photos of each tool showing the brand, model, and serial number. Store photos in cloud storage so they are not lost if your phone is stolen along with your tools. Keep receipts Retain purchase receipts or invoices. Digital copies stored in cloud storage or email are fine. Receipts speed up claim settlement significantly. Update regularly Update your inventory whenever you purchase, sell, or dispose of tools. An outdated inventory can lead to under-insurance or disputed claims. Review at least every 6 months. Replacement Value vs Market Value — Which Should You Choose? This is one of the most important decisions when setting up your tool insurance policy: Replacement Value (New-for-Old) Market Value (Indemnity) Payout Cost of a brand new equivalent tool Current second-hand value (depreciated) Premium Higher Lower Out-of-pocket gap None (fully replaced) You pay the difference between payout and new tool cost Best for Most tradies — ensures you can replace tools immediately Budget-conscious tradies with older tools Illustrative example: A 3-year-old cordless drill set was purchased for $800. Under replacement value, you receive $800 (or the current retail price of the equivalent new set). Under market value, you might receive $350-$450, reflecting depreciation. You pay the remaining $350-$450 out of pocket to buy a new replacement. How to Claim on Tool Insurance If your tools are stolen or damaged, acting quickly improves your chances of a smooth claim. Follow these steps: 1 Secure the scene and document everything If theft has occurred, do not disturb the scene before police arrive if possible. Take photographs showing how entry was gained (broken lock, smashed window, forced canopy). For accidental damage, photograph the damaged tool and the circumstances. 2 Report theft to police For all theft claims, file a police report as soon as possible. Obtain the police reference number — your insurer will require this. Provide police with your tool inventory including serial numbers to aid recovery. 3 Notify your insurer promptly Contact your insurer or broker as soon as possible. Most policies require notification within a set timeframe. Provide the police reference number, your tool inventory, and any photographs. 4 Provide supporting documentation Submit your tool inventory, purchase receipts or invoices, photographs of the tools (from your inventory records), and any other evidence. The more documentation you have, the faster the claim is settled. 5 Await assessment and settlement Your insurer will assess the claim based on your policy terms, the evidence provided, and the security conditions at the time of loss. Settlement may be by direct payment, replacement of tools, or a combination of both. Other Insurance Tradies Need Tool insurance is one part of a complete tradie insurance package. Most tradespeople need several types of cover working together: Public Liability Insurance Covers claims from third parties for injury or property damage caused by your work. Essential for any tradie working on client premises or in public spaces. Illustrative example: a builder accidentally damages a client's existing bathroom while installing a new one. Commercial Vehicle Insurance Covers your work van, ute, or truck. Note that standard vehicle insurance covers the vehicle itself but may not cover tools stored inside — tool insurance fills that gap. Business Interruption Insurance Covers lost income if you cannot work due to an insured event. If your workshop or primary job site is damaged and you cannot operate, BI cover pays your ongoing fixed costs. Employer Liability Insurance If you have employees or apprentices, employer liability covers claims from workers for injury or harm beyond what ACC provides. Essential for any trade business with staff. Many of these coverages can be bundled into a combined business policy or a comprehensive tradie insurance package , which is often more cost-effective than buying each policy separately. Frequently Asked Questions How much does tool insurance cost in NZ? Tool insurance in New Zealand typically costs between $15 and $60 per month, depending on the total value of tools insured, your trade, claims history, and whether you choose replacement value or market value cover. A sparky with $10,000 of tools will pay less than a builder with $40,000 of tools and equipment. Does tool insurance cover theft from my van or ute? Yes, most tool insurance policies cover theft from locked vehicles. However, there are usually security requirements — the vehicle must be locked, tools should not be visible, and some policies require tools to be stored in a lockable toolbox or canopy. Theft from an unlocked or unsecured vehicle may not be covered. What is the difference between replacement value and market value for tool insurance? Replacement value (also called agreed value or new-for-old) pays the cost of replacing your tool with a new equivalent. Market value (also called indemnity value) pays what the tool was worth at the time of loss, accounting for age and depreciation. Replacement value policies cost more but ensure you can replace stolen or damaged tools without paying the difference out of pocket. Are hired or leased tools covered by my tool insurance? Many tool insurance policies can be extended to cover hired, leased, or borrowed equipment in your care, custody, and control. This is usually an optional extension rather than standard cover. If you regularly hire specialist equipment, make sure your policy includes this extension — otherwise the hire company may hold you liable for any damage or loss. Do I need a tool inventory for insurance? Yes. Maintaining an up-to-date tool inventory is strongly recommended and may be required by your insurer at claim time. Your inventory should list each tool, its brand, model, serial number (if applicable), and purchase price or replacement cost. Photographs or receipts support your claim and speed up settlement. Does tool insurance cover accidental damage on the job? Yes, most tool insurance policies cover accidental damage — such as dropping a tool from height, impact damage, or tools damaged during transport. However, wear and tear, gradual deterioration, electrical or mechanical breakdown, and damage from misuse are typically excluded. Get Your Tool Insurance Quote Today Compare quotes from NZ commercial insurers through Evolve Group Limited (FSP711891). Free, no obligation. Get Free Quotes Operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/tool-insurance/tradies/ Tool Insurance for Tradies NZ 2026 — Cover for Builders, Plumbers, Electricians, Carpenters SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tool insurance / For tradies Tool insurance for NZ tradies Indicative cost $10–$40 per month per $10K of tools indicative. Theft from vehicle (locked, forced entry), site theft, accidental damage, transit loss. Tools left in an unlocked vehicle are typically excluded. By trade — typical kit and exposure Builders / carpenters Typical kit value: $15K–$40K kit Cover focus: Power tools, framing equipment, on-site theft Plumbers Typical kit value: $10K–$25K kit Cover focus: Hand tools, drainage equipment, vehicle theft Electricians Typical kit value: $10K–$30K kit Cover focus: Testing equipment, specialty tools, theft from van overnight Painters & decorators Typical kit value: $5K–$15K kit Cover focus: Spray rigs, scaffold, ladders Roofers Typical kit value: $10K–$20K kit Cover focus: Safety equipment, fall-arrest, generators Tilers Typical kit value: $5K–$15K kit Cover focus: Wet-saws, levelling equipment, hand tools Landscapers Typical kit value: $10K–$30K kit Cover focus: Mowers, blowers, trailers, brushcutters Mechanics (mobile) Typical kit value: $20K–$50K kit Cover focus: Diagnostic equipment, specialty tools, vehicle theft What to look for in a NZ tool policy Sum insured: List tools individually if any single item exceeds the per-item sub-limit (often $2K–$5K). Overnight-in-vehicle clause: Confirm whether locked-vehicle overnight cover is included, and the forced-entry requirement. Site theft clause: Confirm secure-site requirements (lockable container, fenced site, security camera). Transit cover: Tools between sites — most policies include this; check whether mid-trip loss requires a witnessed report. Hire-in tools: Some policies cover hired tools while in your care; others require a separate endorsement. New-for-old vs depreciated: Newer policies often replace tools as new; older indemnity-style policies pay depreciated value. FAQ How much does tool insurance cost for a NZ tradie? Indicative $10–$40/month per $10K of tools. Cost depends on tool value, where tools are stored overnight, locked-vehicle requirements, and claims history. Are tools covered if stolen from my van overnight? Most NZ tool policies require forced entry and a locked vehicle for overnight theft cover. Tools left unattended in an unlocked vehicle are typically excluded. What about tools left on a building site? Most policies cover site theft if the site is reasonably secure and tools are stored in a lockable container or lock-up overnight. Open-site overnight theft is often excluded. Is tool insurance separate from public liability? Yes. Public liability covers third-party damage; tool insurance covers your own equipment. Most tradies need both. Some Combined Business Policies bundle them at a lower combined premium. Get a tool insurance quote Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126). Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/tradie-insurance-auckland/ Tradie Insurance Auckland - Tools & Liability Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tradie Insurance Auckland Specialized insurance for Auckland tradespeople Auckland's construction boom means high demand for tradies. Protect your tools, equipment, and business with comprehensive tradie insurance. Essential Coverage for Auckland Tradies Tool Insurance: Auckland has NZ's highest tool theft rates - essential protection Public Liability: Required by most Auckland building sites and contracts Vehicle Insurance: Commercial cover for work vans and utes Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/tradie-insurance-christchurch/ Tradie Insurance Christchurch - Tools, Liability & Vehicle Cover SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes Tradie Insurance Christchurch Public liability, tools, vehicle, contract works and statutory liability cover for Canterbury tradies, arranged by a licensed NZ adviser. Christchurch tradies operate in a contracting environment that is more rigorous on insurance evidence than most of New Zealand. The post-2011 rebuild reshaped the contracting layer — main contractors now routinely require proof of cover before site entry, often with the principal named on the policy and specific minimum limits. Whether you're a builder, plumber, electrician, roofer, scaffolder, painter or specialist sub-trade, the cover mix follows a common pattern with trade-specific variations. Core tradie insurance for Christchurch Public liability: Third-party injury and property damage cover. Typical Canterbury limits are $2m, $5m or $10m, driven by contract requirements. Tool insurance: Covers tools from theft and damage. Itemised schedules required for high-value items; overnight-storage conditions often apply. Commercial motor: For work vehicles. Fleet cover typically beats individual policies for businesses with 3+ vehicles. Contract works (CAR): Covers the work itself during construction. Essential for any trade working on-site for a main contractor. Professional indemnity: For design-and-build operators, or trades signing off on technical specifications. Statutory liability: Defence costs and reinstated fines for unintended Building Act and Health and Safety breaches. Employer liability: Sits over ACC for non-personal-injury employee claims. Canterbury contract environment Post-rebuild Canterbury main-contractor sub-contracts and council contracts typically require: Public liability with a stated minimum ($2m, $5m or $10m) Principal named on the policy Certificate of currency before site entry Cover maintained throughout the contract For design-and-build, separate professional indemnity For higher-risk trades, statutory liability for Building Act and H&S breach exposure Forward the insurance clause to your adviser before binding. Retroactive policy changes are usually more expensive than getting the wording right the first time. Trade-specific notes Builders: Usually need PL + contract works + tools + motor + statutory liability. Larger operations add PI for design-and-build work. Plumbers and gasfitters: PL + tools + motor + product liability for installed product. Gas Act and Plumbers Act compliance creates statutory liability exposure. Electricians: Often need a higher PL limit due to tester-traced damage exposure. Tools cover should include test equipment. Roofers and scaffolders: Higher-risk PL wording, often with a working-at-height endorsement. Higher PL limits common. Painters and decorators: PL + tools, sometimes a contamination-from-substance endorsement. Specialist sub-trades (glaziers, tilers, plasterers): PL + tools + motor; product liability where installed product is involved. For the broader cover picture across NZ tradies, see our insurance for tradies guide. For the full public-liability product detail, see the public liability insurance page. For Canterbury cover priorities beyond trades, see business insurance Christchurch . Frequently asked questions What insurance do most Christchurch tradies start with? Public liability is the core starting policy. Most Canterbury tradies layer tool insurance, a commercial motor policy for the work vehicle, and (for builders, electricians, plumbers, roofers and others working on-site) contract works cover. Higher-risk trades or design-and-build operators add professional indemnity; many add statutory liability for Building Act and Health and Safety exposure. Are tool theft rates a factor in Christchurch? Tool theft is a meaningful risk across NZ, including Canterbury. Insurers commonly require itemised schedules for high-value tools (over a per-item threshold) and may apply overnight-storage conditions (locked garage or secure compound, not just inside a locked vehicle). The wording matters — read the storage conditions before relying on a quoted cover. Do Canterbury main-contractor sub-contracts have specific PL requirements? Yes — post-rebuild, most main-contractor sub-contracts in Canterbury specify a minimum public liability limit ($2m, $5m, $10m depending on the contract), often require the principal to be named, and almost always require a certificate of currency before site entry. Forwarding the contract clause to your adviser before binding is the most reliable way to avoid mismatched wording. What's typical for plumbers, electricians and gasfitters in Christchurch? These trades commonly carry public liability ($2m–$5m), tool insurance, contract works, and a higher-tier professional indemnity if they sign off design work. Plumbers and gasfitters frequently add product liability (installed product). Electricians sometimes need a higher PL limit because tester-traced damage exposure can be substantial. Does tradie insurance cover working on a client's property? Standard public liability covers third-party property damage, but contains a 'care, custody or control' exclusion — damage to the specific thing you are working on may not be covered. Some insurers offer extensions for custody-and-control or faulty workmanship. The wording differs materially across the market; if this matters to your work, flag it at quote stage. Get tradie insurance quotes for your Canterbury business Quotes are arranged by Evolve Group Limited, a licensed Financial Advice Provider (FSP711891). Forward your main-contractor insurance clause with the form and we'll match the cover to the requirement. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register --- ### https://smallbusinessinsurance.co.nz/what-happens-if-business-gets-sued/ What Happens If Your Business Gets Sued? NZ Guide SmallBusinessInsurance SBI .co.nz Home Guide Insurers Answers Compare All Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries All Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Providers Blog About Contact Get Quotes Home Guide Insurers Answers Compare Industries Providers Blog About Contact Get Quotes What Happens If Your Business Gets Sued? Understanding the legal process and how insurance protects you The Legal Process Claim Letter or Court Documents - You receive formal notice of the claim Notify Your Insurer - CRITICAL: Contact them immediately Legal Defense - Your insurer appoints lawyers to defend you Investigation - Evidence gathering and witness statements Settlement or Court - Most cases settle out of court Costs Without Insurance Legal defense: $10,000-$100,000+ Settlement or judgment: $50,000-$500,000+ Court costs and expert witnesses Time away from your business How Insurance Protects You Insurance covers legal defense costs AND settlements/judgments up to your policy limit. Without it, you pay everything from your business and personal assets. Get Your Quote Today Ready to protect your business? Compare quotes from a panel of NZ commercial insurers through licensed FAP Evolve Group Limited. Get Free Quotes SmallBusinessInsurance .co.nz Compare and get quotes for the right small business insurance in New Zealand. Protecting your business with trusted local and international insurers. Insurance Types Public Liability Professional Indemnity Tool Insurance Cyber Insurance Business Vehicle Business Interruption Employer Liability Combined Policy Industries Tradies Builders Cleaners Consultants Tech Startups Retailers Freelancers E-commerce Resources Compare Insurance Get Quotes Insurance Providers Insurance Blog About Us Contact Operated by Evolve Group Limited — Financial Advice Provider (FSP711891), licensed by the Financial Markets Authority . Disclosure: This website is operated by Evolve Group Limited (FSP711891), trading as Evolve, a licensed Financial Advice Provider regulated by the Financial Markets Authority (FMA). Evolve Group Limited is registered on the Financial Service Providers Register . View our Disclosure Statement (PDF) . Referral partner: For business-insurance enquiries, Evolve Group Limited may refer your details to Blanket Advice Limited (FSP1004126) , a separately licensed Financial Advice Provider, who will provide the regulated financial advice in respect of that enquiry. Blanket Advice Limited is registered on the Financial Service Providers Register . View their Disclosure Statement . How we are paid: Evolve Group Limited does not charge an upfront fee for providing insurance advice. Evolve is paid a commission by the recommended insurance provider from the premium they charge you. For business insurance, this commission ranges from 0% to 25% of the annual premium. For personal risk insurance (life, trauma, income protection), commission ranges from 0% to 220% of the first year's premium, with a servicing commission of 0% to 30% annually. Evolve does not receive any volume or sales target-based payments from any provider. See our Disclosure Statement for full details. Complaints: If you have a concern, contact us first. If unresolved, you can contact Financial Services Complaints Limited (FSCL) — free to you. FSCL: Level 4, 101 Lambton Quay, Wellington 6011 | 0800 347 257 | info@fscl.org.nz | www.fscl.org.nz © 2026 SmallBusinessInsurance.co.nz. Operated by Evolve Group Limited (FSP711891). Privacy Policy Terms of Service Disclaimer Disclosure Statement FSP Register ---