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Small Business Insurance

  • Do you offer business or commercial insurance?
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  • If there is a power cut and I need to move my frozen stock, can I make a claim for this cost?
  • Is the breakdown of my refrigeration machinery covered under Deterioration of Stock insurance?
  • Am I covered if I am unable to operate my business due to my refrigeration unit breaking down?
  • Is the stock in my refrigeration unit covered?
  • If I hire someone on a casual basis and they steal from me, am I still covered?
  • Are my motor vehicles covered if they are stolen or damanged by an employee?
  • Is Natural Disaster covered?
  • Are my motor vehicles covered?
  • Do I have to claim straight away
  • Do I need my own insurance cover when ACC covers employee injuries?
  • Do you cover legal liability which has not been caused by an employee's injury?
  • If my employee breaches an Act while working for me, am I still covered?
  • Does Statutory Liability insurance cover my liability if I damage someone else's property?
  • What if my personal contents policy covers my portable contents?
  • Does Portable Contents and Stock insurance cover my chilled or frozen stock?
  • Does Portable Contents and Stock include cover if my business can't operate due to my possessions and stock being damaged?
  • What if my personal contents policy covers my business contents?
  • Does Business Contents and Stock include cover for loss of business income if my business can't operate due to my items being damaged?
  • Does Business Contents and Stock insurance cover my chilled or frozen stock?
  • Does Commercial Vehicle insurance cover an employee's injury if they are injured while driving a company vehicle?
  • Who is covered to drive my business vehicle?
  • If my employee is accidentally injured while working, are they covered under my Public and Products Liability Insurance?
  • Does Public and Products Liability cover my liability if I have an accident while driving a company car?
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