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Which industries does Sun Insurance specialise in?
## About Sun Insurance
We specialise in general commercial insurance for New Zealand SMEs — including wholesale and distribution businesses, suppliers of goods for resale, and service providers to supermarkets and retail chains. We do not currently place hospitality or liquor retail risks.
Which insurers do you place business with?
As an independent NZ broker we compare options across a panel of insurers and underwriters including Vero, AMP, Vero Marine, Market Place, The Barn, DUAL NZ, Classic, Allianz, SPUA, and Lloyd's of London syndicates — so you get the right cover at a competitive price rather than a single insurer's product.
Liability Insurance
What does General/Public Liability insurance cover?
Public Liability covers your legal liability for third-party property damage or bodily injury arising from your business operations — for example, a visitor injured on your premises, or damage caused by your staff while working at a client's site. Most NZ commercial leases and supply agreements require a minimum of $2–10 million of cover.
Do I need to visit your office to arrange insurance?
No. Most of our clients are SMEs we support entirely by phone and email, and we're happy to visit your premises directly if that's easier. There's no need to come to us.
Material Damage
What is Material Damage insurance and what does it cover?
Material Damage insurance (sometimes called Fire & General, or Industrial Special Risks for larger SMEs) covers physical loss or damage to your business assets — buildings, stock, plant and machinery, and tenant's improvements — from insured events such as fire, storm, flood, theft, and malicious damage. Sums insured are set for buildings (if owned), stock at cost or replacement value, and plant and machinery at replacement value.
What is Product Liability insurance, and why does it matter for suppliers?
Product Liability covers claims arising from products you supply causing injury or property damage after they've left your care — for example a contamination or manufacturing defect. This is particularly important if you supply goods for resale to retailers or supermarkets, as most supply agreements will require you to hold it.
**What is Statutory Liability insurance?**
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Statutory Liability covers the legal costs and any insurable fines or reparation arising from an unintentional breach of New Zealand legislation — including the Health & Safety at Work Act, the Fair Trading Act, and the Resource Management Act. With WorkSafe NZ's enforcement activity increasing, this cover is increasingly important for SME owners and directors.
**What is Employment Liability insurance?**
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Employment Liability (Employment Practices Liability) covers legal costs and awards arising from employment-related claims — including unjustified dismissal, discrimination, and harassment claims taken to the Employment Relations Authority or Employment Court. It's particularly valuable for SMEs without in-house HR or legal support.
## Directors & Officers (D&O)
**What is Directors & Officers (D&O) insurance and do I need it?**
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D&O insurance protects the personal assets of company directors and officers against claims alleging wrongful acts in managing the business — such as breach of duty, mismanagement, or insolvent trading allegations. Under the NZ Companies Act, directors carry personal liability, so D&O is worth considering even for small or family-owned businesses, especially those with external investors or a group/subsidiary structure.
## Professional Indemnity (PI)
**What is Professional Indemnity insurance and who needs it?**
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Professional Indemnity covers claims arising from professional advice, services, or designs that cause a client financial loss. It's essential for consultants, agents, designers, and other service-based SMEs. Policy wording and extensions vary significantly between insurers, so we compare options from carriers such as Vero, AMP, and DUAL NZ to match your profession and claims history.
## Business Interruption
**What is Business Interruption insurance and what options are available?**
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Business Interruption (BI) insurance covers loss of gross profit or revenue if your business can't trade normally following an insured Material Damage event, such as fire or flood, plus any increased cost of working. Key options include: Gross Profit vs Increased Cost of Working Only cover; an indemnity period (typically 12–24 months for SMEs, longer if you rely on specialist plant or an import supply chain); and a Supplier's/Customer's Extension, which covers your loss if a key supplier's or major customer's premises are damaged — an important option if you supply goods for resale and depend on specific suppliers or major retail customers.
## Motor Vehicle
**What Motor Vehicle insurance options exist for SME fleets?**
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For light fleets (cars, vans, utes) and heavy fleets (trucks, forklifts, and specialised vehicles), we arrange Comprehensive, Third Party Fire & Theft, or Third Party Only cover — often under a single Fleet policy for efficiency and better rating as your fleet grows. Common add-ons include Loss of Use (a temporary replacement vehicle or income cover while yours is repaired), Windscreen/Glass cover with a low or nil excess, and Non-Owned Vehicle liability for staff using personal vehicles for business purposes.
## Marine
**What Marine insurance covers do you arrange?**
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Marine insurance splits into two main types. Cargo (Carriage of Goods) cover protects goods in transit domestically or internationally — relevant for importers, distributors, and suppliers. Marine Hull cover is for owned vessels, such as fishing or workboats, covering physical loss or damage to the vessel, along with Protection & Indemnity (P&I) cover for liability to crew and third parties.
## Key Person Insurance
**What is Key Person insurance?**
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Key Person insurance pays a lump sum to your business if a critical person — an owner, director, or specialist staff member whose absence would materially impact revenue — dies or suffers a critical illness or disability. It helps cover lost profits, the cost of recruiting and training a replacement, or loan repayment obligations tied to that person.
## Group Health Schemes
**What Group Health insurance scheme options are available for SMEs?**
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Group health schemes let you offer staff subsidised private health cover as a retention and recruitment benefit, often at better rates and with simplified underwriting compared to individual policies. Options typically include full hospital and specialist cover, surgical-only plans, and tiered excess levels to balance premium cost against benefit level.
## Group Life & Risk Schemes
**What Group Life insurance options exist, including Trauma, TPD, and Income Protection?**
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Group Life and Risk schemes typically bundle several covers: Life cover, which pays a lump sum on death; Trauma (Critical Illness) cover, a lump sum on diagnosis of a defined serious illness; Total & Permanent Disability (TPD) cover, a lump sum if a staff member can never work again in their occupation; and Income Protection, which replaces a percentage of salary (usually 75%) if a staff member can't work due to illness or injury. Group schemes above a minimum size can often be arranged on a guaranteed acceptance basis, avoiding individual medical underwriting.
*This FAQ provides general information only and does not constitute financial advice.
For advice specific to your circumstances, please contact Sun Insurance directly.
Sun Insurance Ltd, FSP 1000127. Principal Adviser: Mariano Fernandez-Soto, FSP 410646.*
What Our Clients Are Saying
Bhumit Patel, Director
Detailed explanations for the different covers we required for the different layers of services our company provides to other companies. Recommend 200% to other companies whether starting out or in business for a while.