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There is no one business cover that fits everyone. Your business protection and risk management is a combination from the following range of covers. Our team makes sure there is balance between policies and you get the best deal possible at the time of your application.

Every business faces different types of risks. In preparing an Insurance Programme, you need to consider what risks your business is exposed to, and then decide which of those risks you can manage yourself, and which risks will require insurance.

This is a useful checklist which covers most commercial insurance policies available on the market. Each section provides a brief summary of the cover, the items normally insured and some of the optional extensions available .

The checklist is a useful tool in the preliminary stages of a risk review, but is not intended to replace the actual review process with your broker. We would suggest that you print this page and make notes for discussion with your broker. In reviewing your insurance arrangements you must always remember your Duty of Disclosure, as failure to provide such information to the Insurer could jeopardise any future claim.

Are you protected from the following risks?
If not, now is the best time - contact us today 

ASSETS
COVERING

MATERIAL DAMAGE
Accidental physical loss or damage to buildings, plant and contents
BUSINESS INTERRUPTION Loss of turnover following an insured risk eg: a fire
COMPUTERS Damage to computers including additional costs to reinstate data
MOTOR VEHICLES Loss or damage to vehicles used for commercial purposes.
LIABILITIES
COVERING

PUBLIC LIABILIITY Liability for accidents happening in connection with occupation
STATUTORY and EMPLOYER'S LIABILITY Fines, penalties and defence costs for breach of statute/regulation Liability for personal injury to employees (not covered by ACC)
PROFESSIONAL INDEMNIITY  LIABILITY Liability for design, consultancy or professional advice
DIRECTORS and OFFICERS Personal liability of directors and officers of a company
EMPLOYMENT DISPUTES Costs incurred in defending and/or settling an employment dispute.
FINANCIAL
COVERING

FIDELITY Theft of money or goods by employees
INCOME PROTECTION Loss of income following personal injury or illness
KEY PERSON Loss of income following personal injury or illness for a specific employees
MEDICAL Lump sum payment for the death of a partner or employee Costs for surgery, treatment and private medical care
TRADE CREDIT Bad debts
OTHER COVERS COVERING
MACHINERY BREAKDOWN Breakdown of machinery and costs involved to repair or to replace
MACHINERY PROFITS Reduction in turnover after a key piece of plant breaks down
MARINE CARGO Transit of property imports/exports and/or within New Zealand .
CONTRACT WORKS Buildings or projects during the course of construction
CORPORATE TRAVEL Business and leisure travel worldwide for employees and family

You know that markets are forever changing. that is why annual review of your insurance is an absolute MUST. If your broker is not offering that, click here to contact us now. 


Stay tuned to changes on the market place -
simply click here to find out more.