Business Insurance

 

Business Asset Insurance

 

NZ Financial Brokers will tailor an insurance programme especially for you.   You will be provided with a Free comprehensive HAZARD Report which will identify hazards in your business and specific to your occupation.   We will then work in partnership with you to cover off those risks either through risk management or insurance.  NZ Financial Brokers will then canvas the market on your behalf to ensure that you are getting the best possible value.

 

Earthquake Insurance

 

In New Zealand Earthquake Insurance is always purchased separately.  We will always provide you with a quote and show the Earthquake Premium Separately (if available).  The normal Earthquake Excess in NZ can be from 1% of sum insured (min $1000) to as high as 5% of your sum insured (minimum $5000) for Wellington Earthquake Insurance.  We also have specialist earthquake insurance facilities to place older buildings, buildings not meeting current Earthquake Building Codes, Buildings only restrengthened to 2/3rds of current building codes * and hard to place risks.    * terms & conditions apply

 

Business Interruption Insurance

 

Loss of Gross Profits, Loss of Rents, Loss of Turnover are the life blood of any business.  Having your profits insured correctly is critical.  We will work with you and your accountant to set an appropriate sum insured and will talk to you about insuring any increased costs, loss of key staff / people, and fees incurred after an insured event.  We will also talk to you about an appropriate time limit for you insurance policy to pay out for.  Most policies will be for 12 months but due to building consent constraints and other variables we recommend a minimum indemnity period of 18 - 24 months depending on your situation.

 

Commercial Motor Vehicle Insurance

 

Comprehensive Motor Vehicle Insurance from a single vehicle to a Fleet of Motor Vehicles.  We have access to some of New Zealand's leading specialist Motor Vehicle insurers.  We offer a number of Fleet management tools including Software, Glove Box Accident Kits, Claims Handling Service and for Line Haul and Truck Insurance ask about our subsidised In Vehicle Camera's.  Let us show you how we can save you time and money not only on insurance but on fuel, wear & tear, hassle and provide long term sustainable pricing around your truck insurance.

 

Contract Works Insurance

 

 We can provide specialist advice on any Engineering or Contract Works Insurance.  From the construction of a single domestic  house, multi storied commercial building, Civil Works Projects, Advanced loss of profits,  (insuring your profit and fixed costs in the event of claim) we can help.  We work closely with selected insurers who have the background and knowledge in the construction industry and can help you get the right policy.  We have indepth knowledge of insurance requirements and NZS3910 to make sure you have the right product.  We offer single contract works policies and for builders can offer Annual Blanket Policies covering all projects you undertake throughout the year.

 

Body Corporate Insurance

 

We have developed a unique body corporate / apartment insurance product that is tailored especially for Body Corporates / Apartment Owners and Body Corporate Managers.  It has unique benefits such as loss of rents, alternative accommodation, gradual damage extension, landlords fixtures and fittings, earthquake insurance, public liability, body corporate committee insurance (covering body coporate members personal liability) loss of keys, stress payments all with one of New Zealand's leading commercial insurers. 

 

Our Clients Agree - 5 Reasons to do business with us

 

1. Dedicated Broker to your account.  One Call.  One Person to look after all your insurances.

2. Dedicated Claims Service.

3. Annual Review to keep you up to date....or every 6 months (or any other time period you would like)

4. A Commitment to you to make sure your insurance costs are as competitive as possible.

5. It's Easy.  We like to take the hassle of insurance away from you.  Get us working for you, to save you time and money.

 

 

IMPORTANT NOTE:  The above is intended as a summary and guide only and is not specific advice.  For full policy coverage and exclusions you should always refer to your insurers policy wording for full details.

 

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