COMMERCIAL PROPERTY INSURANCE · NZ SPECIALISTS
Commercial property insurance for NZ businesses
Cover that protects your building, your assets, and your income if the unexpected happens. From owned premises and leased space to material damage and business interruption, we structure cover that responds, including for older buildings, high-value assets, and hard-to-place risks. As a specialist broker with 26+ years experience, we access markets others can’t to find you the right cover.
- No obligation
- Fast response
- Practical solutions
Ready to chat?
Tell us about your situation. We will review your details and be in touch, typically within one business day.
Tell us about your situation. We will review your details and be in touch, typically within one business day.
Our Services
Protect your property
Commercial property owners
Property investors
Developers
Mixed-use property owners
Commercial Property 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
Why Choose Us
26 Years Experience
Personal advice
We take the time to understand how your business operates and what risks actually matter. Then we'll recommend cover that’s practical, not overcomplicated.
Industry know-how
We work with businesses across a wide range of industries and understand the common risks they face. That means better recommendations and access to quality cover at competitive rates.
Support when it counts
From getting set up properly to handling changes or claims, we're here to help you stay protected. You’ll have clear guidance at every step.
Solutions for hard to get insurance
If your business is high-risk or difficult to insure, we can help find the right cover through specialist markets.
Get expert advice
Some risks don’t fit neatly into standard insurance. Tell us a bit about your business and what you need covered, we’ll help you work through it and find the right solution.
Prefer to talk now?
021 333 712
We’re happy to have a quick chat about your situation, no obligation.
Email us:
ash@sib.co.nz
We typically reply within one business day.
Simple, expert-led insurance advice
We make complex insurance straightforward, from first conversation to cover in place.
Understand your risk
We take the time to understand your business, risks and current cover. No assumptions. No generic advice.
Structure the right cover
We design insurance that actually responds at claim time. Built properly from the start.
Place & support
We secure the right cover and support you ongoing. Especially when things get complex, or it's hard to get insurance in NZ.
Client Testimonials
Success stories
What New Zealand business owners say about working with us.
Business Owner
“I contacted Ash to make sure our current business insurance was protecting our business and couldn’t be happier. Rather than simply email me a quote, we had a call where Ash explained why our current policy wasn’t aligned with our services and did quite a bit of research on what we needed to protect my business in terms of online data and cyber security. Being a virtual business it was a shock to hear we’d been paying for physical risk protection all these years and I’m so thankful we now have Sentinel looking after us.
Fantastic advice, no pressure, 3 quotes and friendly, professional and approachable support.”
Managing Director
“We were introduced to Ash Greer at Sentinel Insurance when we were specifically looking for a broker with strong expertise in construction and liability, and from the outset, it was clear we were in capable hands.
After meeting with Ash, we appointed him as our broker, and he immediately undertook a comprehensive review of both our business operations and our existing insurance programme. Ash took the time to truly understand how our business operates and where our risks lie, and then rebuilt our insurance structure accordingly.
The results have been outstanding. In the first year, Ash made significant improvements, ensuring all of our assets were appropriately covered. In the second year, he went even further, re-marketing our programme again to deliver further improvements.
Ash’s attention to detail, deep understanding of both our business and the insurance market, and proactive approach have delivered exceptional outcomes for us. We now have complete confidence that our insurance programme genuinely supports and protects our business.”
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.
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.