All answers / Cost
How much is business contents insurance in NZ?
Indicative $15–$150 per month for a NZ small business, depending on your industry, the cover limit you choose, and your claims history.
Indicative only — not a quote. Contents cover is priced on the replacement value of your stock, fit-out and equipment, and on the premises they sit in.
Indicative cost by industry
The range above is the low and high of these rows. Figures are indicative monthly premiums for a New Zealand small business, not quotes.
| Industry | Indicative / month | Typical limit |
|---|---|---|
| Bookkeeper | $15–$30 | Kit value |
| Cafe | $25–$80 | Fitout + stock value |
| Restaurant | $40–$150 | Fitout + stock + kitchen kit |
| Online Retailer / E-commerce | $25–$80 | Stock value |
What drives the price
- Bookkeeper: Home-based bookkeepers — home contents does not cover business equipment.
- Cafe: Espresso machine, fitout, stock.
- Restaurant: Commercial kitchen equipment runs hot — replacement values are high.
- Online Retailer / E-commerce: Warehouse + stock cover. Theft, fire, flood.
Is this a quote?
No. Every figure on this page is an indicative range published to help you budget. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126), a separately licensed FAP, who provide the regulated advice and place the cover. Your premium is set by the insurer once your business is assessed.
Indicative figures last reviewed 21 September 2026.