All answers / Cost
How much is business interruption insurance in NZ?
Indicative $30–$120 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. Business interruption is priced on your gross profit and the indemnity period you choose — how long you would realistically take to recover.
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 |
|---|---|---|
| Cafe | $30–$80 | 12–24 month indemnity |
| Restaurant | $40–$120 | 12–24 month indemnity |
| Online Retailer / E-commerce | $30–$80 | 12-month indemnity |
What drives the price
- Cafe: Loss of gross profit after fire / flood / earthquake.
- Restaurant: Critical — restaurants are equipment-dependent and slow to rebuild.
- Online Retailer / E-commerce: Loss of revenue from warehouse fire or platform downtime.
What this cover does
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 needs it: Businesses whose revenue depends on premises, equipment, or a supply chain that could be disrupted by damage.
Worth knowing: The indemnity period should reflect how long realistic recovery would take.
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.