Property
Our Services
Protect your property
Whether you own commercial buildings, investment properties, or mixed-use developments, your property represents a significant financial investment. Property insurance helps protect that investment from unexpected damage, natural disasters, and loss of rental income.
From fire and storm damage to earthquake exposure and tenant-related risks, having the right cover in place means you can recover faster and reduce financial disruption.
Commercial property owners
Property investors
Developers
Property investors
Why it matters
Damage to a property doesn’t just affect the building, it can affect your income, cash flow, and long-term investment plans. Without adequate insurance, repairs, rebuild costs, or loss of rent can place significant pressure on your finances.
The right policy helps protect both the asset and the income it generates
Insurance
What property insurance can cover
Cover is tailored to your property type and risk profile, but may include:
– Buildings and permanent structures
– Loss or damage from fire, storm, and accidental events
– Earthquake and natural disaster cover (subject to insurer terms)
– Loss of rental income
– Landlord fixtures and fittings
– Glass breakage
– Optional public liability protection
Policies can be structured to reflect valuation requirements, lender obligations, and tenancy arrangements
Types of Business Insurance
Extra cover to consider
Depending on how your business operates, you may need additional protection beyond standard policies. We can help you identify optional extensions and specialist cover that strengthen your protection and reduce potential gaps.
Business Insurance
Even if your main risk is the advice you provide, your physical assets still matter. Business insurance can protect your office contents, equipment, and income if you experience damage, theft, or an unexpected interruption. It brings together key covers like property, public liability, and business interruption into one practical policy, helping keep your business running if something disrupts operations.
Management Liability
If you run a professional services business, you carry responsibilities beyond client work. Management liability insurance helps protect you and your directors against claims relating to employment disputes, regulatory investigations, statutory breaches, and alleged mismanagement. It’s designed to safeguard your leadership team and business decisions, not just your professional advice.
Cyber Insurance
Professional service businesses often hold sensitive client information, financial data, and confidential records. Cyber insurance helps protect your business if you experience a data breach, ransomware attack, system outage, or cyber extortion event. It can cover response costs, legal expenses, client notification, and business interruption, helping you recover quickly and protect your reputation.
Specialist experience matters.
Why work with us?
With 26 years of experience, Sentinel Insurance understands the risks property owners face in New Zealand, including earthquake exposure and regional risk factors.
- Clear advice tailored to your property portfolio
- Guidance on appropriate sums insured
- Clear guidance on what insurers need to see
- Support meeting lender or contract requirements
- Ongoing assistance if you need to make changes or claim
- Straight answers: no wasted time, no false promises
Faq
Answers to common business insurance questions
Here are some of the most common questions New Zealand business owners ask when arranging cover. Not sure where to start? Contact us today.
Commercial property insurance typically covers physical damage to buildings from events such as fire, storm, vandalism, and natural disasters. Policies can also include cover for landlord fixtures, glass, and loss of rental income following an insured event.
Earthquake cover is often available, but it depends on the location, insurer appetite, and policy terms. Excesses for earthquake damage are usually higher than for other events, so it’s important to understand how your policy responds.
If your property generates income, loss of rent cover can help protect your cash flow if tenants cannot occupy the premises after an insured event.
Properties should generally be insured for full replacement value (the cost to rebuild), not market value. Market value includes land, which is not insured, underinsuring can leave you exposed in the event of a major loss. Professional valuations are often recommended.
Many property owners haven’t reviewed their sums insured or policy wording in years. Rebuild costs, construction inflation, and changes in tenancy can all affect whether your cover is still appropriate. A review can help identify gaps before they become costly problems.