Business Insurance - Basics to Have

Insurance should work for your business every day. We make our products smarter and more useful so you can have confidence that your business can keep doing what it’s good at.

Business Plan Insurance

Insurance is essential for keeping your business running smoothly. However, it’s often viewed as a low priority. Our Business Plan insurance allows you to focus on what you do best. You can rest easy knowing you’re covered for a range of risks.

Customised Coverage

You can choose different cover types to build a customised insurance plan. This flexibility can also simplify the claims process if you ever need to file one.

Business Insurance Cover Available

• Business Vehicles

Whether you have one vehicle or a large fleet, we can cover damage to your business vehicles. Our coverage includes liability for damage to other vehicles, costs for load recovery, and salvage costs. We also cover some defence and liability costs, such as those under the Sentencing Amendment Act 2014.

• Material Damage

This covers loss or damage to your specified commercial buildings, contents, plant, stock, and other assets. Features include coverage while your business assets and stock are being transported, theft from locked vehicles, and expenses incurred to protect your property (e.g., if there’s a fire on a neighbouring property).

• Business Interruption

If your business stops, it can fail. We make it our mission to keep you going. Our Business Interruption policy covers financial loss if your business is interrupted by:

- Damage at your premises, including interruptions of water, power, or gas.

- Interruptions to the supply of goods to your business.

- Limited or cut-off access to your property.

• Broadform Liability

This provides coverage if your business is legally required to pay compensation for personal injury or property damage.

• Employers Liability

While ACC covers most bodily injury liability exposures, there remains some residual exposure for employers. This product responds to those needs.

• Statutory Liability

This covers defence costs and some fines and penalties ordered against you by the courts due to unintentional breaches of most laws. Coverage also includes reparation ordered under the Health & Safety at Work Act.

• Machinery Breakdown

We understand that specialist machinery can be a significant investment for your business. This coverage is designed to pay for repairs or replacement if your machinery is damaged due to a mechanical or electrical breakdown. If your team can repair it, we’ll cover the cost of parts and labour. We’ll also cover transport costs, which can add up if parts or machinery need to be sourced overseas.

Why Choose Us?

Choosing the right insurance is crucial for your business's success. We offer tailored solutions that meet your specific needs. Our team is knowledgeable and ready to assist you with any questions.

Get in Touch

Contact us for a no-obligation conversation about your particular requirements:

Office: 09 360 5555

Mobile: 09 360 5555

Email: info@suninsurance.nz

With our Business Plan insurance, you can focus on what matters most—growing your business. Let us help you protect your investment and ensure your peace of mind.