Business Insurance

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Business Insurance (SME)

Let us help you get the right protection at the right price.

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Where do I start?

You know just how important it is to get the right protection in place for your business.

However, you are busy enough in your workday without having to deal with the stress of insurance.

Our job is to get this off your plate and take care of this for you with our expert team of trusted insurance brokers.

We have been looking after great clients for over 30+ years, so you are in very safe hands.

It starts with a quick call with our team to see if we are a good fit to work together.

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Your Business Is Unique

We often see insurance programmes that are generic and not tailored to the individual needs and risks of a business.

You shouldn't accept that. The Insurely team will make sure that you get the right covers that you need for your business and nothing more.

Our team will guide you through and help you make the right insurance decisions for your business.

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Working With Insurely Is As Easy as 1, 2, 3

You are in very goods with our experienced team of insurance brokers

STEP 1

DISCOVERY CALL

Book a call so we can get to know more about your business and your goals.

STEP 2

PLAN OF ACTION

We provide a best-fit risk and insurance plan for your business and answer any questions you have.

STEP 3

DELIVER

We will put your insurance in place and continue to review and monitor with you throughout the year

5 Core Insurance Products
for SME Businesses

Here’s an overview of the core insurance cover that most SME’s in NZ should be considering:

Material Damage

Material Damage policies cover you for damage to your physical assets, such as your buildings, plant, equipment and stock. This means that when your assets are damaged from an event like a fire or earthquake, the Insurer will pay to have them repaired or replaced.

Business Interruption

Business Interruption policies cover you for financial losses that happen after your physical assets are damaged. For example, if your business is damaged by fire and you can’t trade for a period of time, this policy will pay you for the lost profit and other costs, so you aren’t left out of pocket.

Public & Products Liability

Public Liability policies cover you when you or your products accidentally damage someone else’s property or cause an accidental injury to a person, as part of your business activities. The policy will pay for costs that you become legally liable to pay, as well as defence costs to help defend you from any civil court actions.

Statutory Liability

Statutory Liability policies cover your legal costs and some fines, for when you or your business accidentally breach certain legislation, such as Health and Safety laws, the Consumer Guarantees Act, the Building Act, Fair Trading Act and Privacy Act.

Employers Liability

Employers Liability (for SME’s with employees) policies cover your legal liability and defence costs when one of your employees makes a personal injury claim that’s not covered by ACC. This can include when your staff claim for an injury that’s been caused by stress, depression or mental anguish, such as a heart attack that’s been caused by work-related stress.

Business Insurance