BUSINESS INSURANCE
Protecting Your Business
Your business could be the only source of income for you and your employees. Having the right cover is important to protect the livelihood of everyone involved.
Whether you’re starting a new venture or running a big operation, Our Advisers can take the guesswork out of your business insurance needs.
Business Asset Insurance
There’s no way of knowing which of your business assets could be lost. That’s why it makes sense to choose an insurance that lets you cover the assets you have. Business asset insurance can give you cover for:
- buildings, contents, furnishings, fixtures, and fittings
- tools, plant, machinery, and equipment
- stock, customer goods, and employees’ belongings
- money and other property for which you are responsible
- goods that are being moved anywhere in New Zealand
Business Interruption Insurance
Business interruption insurance provides coverage for the financial impact caused by the temporary shutdown of your business, encompassing the potential loss of sales and additional expenses required to continue operations. This coverage extends to various aspects, including:
- Ongoing operational costs like electricity and rent,
- Expenses related to relocating and operating from a temporary location,
- Training costs for operating replacement machinery,
- Closure of your business premises due to government-imposed street closures or curfews,
- Damage to a supplier’s premises that adversely affects your business operations
Commercial Motor Insurance
You may have just one vehicle or be running a fleet. Either way, we’ll source you a vehicle policy to suit your business needs. We offer flexible, tailored commercial motor fleet insurance solutions across all business vehicle classes, from cars, utes and vans, to trucks, buses and forklifts.
Business Liability Insurance
While your business might not be a global powerhouse, your reputation is still absolutely crucial to your ability to compete. When things go wrong, your reputation can be the first thing to suffer, regardless of how ethically and correctly your business has conducted itself.
And, sometimes, things are simply out of your hands. You may have sold a product that malfunctions, one of your employees may have made a mistake, or someone may have been injured on your premises. There might not be much you can do to correct those issues after the fact, but you can protect your business from financial and reputational damage by acting quickly and decisively.
Liability insurance covers you so that, as the business owner, you won’t be held personally and financially responsible for the things you or your employees do. Covers can include:
- Public liability insurance
- Statutory liability insurance
- Employers liability insurance
- Professional indemnity insurance
- Directors and officers insurance
- Employment disputes Insurance
- Crime Insurance
- Internet Liability Insurance
- Consequential loss Insurance
- Cyber Insurance
Choosing the right liability insurance provider for your business’s needs depends on a broad variety of factors. Working with an independent, transparent insurance broker like The Advisers means you don’t have to spend time and resources investigating all the options. We will be able to find the right policy for you and your business needs.
Construction Insurance
Also known as Contract Works Insurance or Contractors All Risk’ Insurance, Construction insurance is there to ensure your building projects are protected. It covers loss or damage to, property that’s being built or altered and is designed to cover building contractors, homeowners, property developers, electricians, bricklayers, carpenters, plasterers, tilers and other tradespeople.
Cargo & Logistics Insurance
Cargo: We work with a wide range of insurers to provide reliable and comprehensive cover for goods in transit. Both personal and commercial categories. We can offer annual and or single transit policies to ensure that your goods are covered whilst in on the move, whether it be airfreight, sea freight rail, or road.
Logistics: Are you a specialty business, we offer coverage and advice to Freight Forwarders, Carriers, Shipping Agents, 3PL, Warehousing, Ports, Stevedores, and other logistics providers.
Commercial Property Insurance
The Advisers are your trusted commercial property insurance brokers based in New Plymouth.
Your property is likely to be your most valuable asset, so you want to be sure it’s well protected against the unexpected.
Commercial property insurance gives you cover for the big events like fires and floods, earthquakes, landslides, as well as the smaller accidents like broken windows, damaged fences and burst pipes.
FAQ's
It depends on what you do, what you own and who you employ. Most businesses start with cover for their assets, business interruption and public liability, then add things like commercial motor, professional indemnity or cyber cover as needed. We’ll sit down with you, look at your risks and take the guesswork out of it.
If a fire, flood or other insured event forces you to close, business interruption cover helps replace lost income and pay ongoing costs like rent, power and wages. It can also cover the cost of running from a temporary location. For many businesses, it’s the cover that keeps the doors open after a major loss.
Public liability covers you if your business accidentally injures someone or damages their property — say a customer slips on your premises.
Professional indemnity covers you if your advice or professional service causes a client to lose money. If you give advice, design or specialist services, you’ll likely want both.
If you store customer details, take online payments or rely on email and computers, then yes, it’s worth considering. Cyber cover can help with the costs of a data breach, ransomware attack or system outage, including getting expert help to recover.
Yes, whether it’s one ute or a whole fleet. We arrange commercial motor cover across all business vehicle classes, from cars, utes and vans to trucks, buses and forklifts.
We do. We can arrange annual or single-trip cargo cover for goods moving by road, rail, air or sea. We also advise logistics businesses such as freight forwarders, carriers and warehousing operators.
Yes, it’s the best time. Getting the right cover in place early protects your new venture, and we can grow your policies as your business grows. Whether you’re starting out or running a big operation, we’re here to help.