It depends on what your business does, whether you work with the public, and any contract requirements. Most businesses consider public liability, material damage (property/contents), business interruption, and industry-specific cover like professional indemnity or contract works. The best way to get it right is to talk to us about your business and what you do and we’ll tailor cover to suit your risks and needs.

Often, yes. Many councils, principal contractors, and commercial clients require specific policies, limits, and wording before work can begin — we can help make sure your cover meets contract requirements.

Yes. Some industries and projects are harder to place, but we can approach specialist markets and help structure cover that fits your risks and situation.

For many standard policies, quotes can be turned around quickly once we have the right details. More complex risks (like large construction projects or specialist placements) can take longer, but we’ll keep the process clear and straightforward.

Public liability covers injury or property damage to others caused by your business activities, while professional indemnity covers claims relating to advice, design, or professional services. Many NZ businesses need one or both depending on the work they do.