Business insurance

Cover that scales with the business you're building.

From sole traders to multi-site operations — professional indemnity, public liability, commercial property, cyber, and proactive risk management.

A business professional working in a modern Auckland office
Our business cover

Built for every kind of NZ business.

Professional Indemnity

Professional Indemnity (PI)

Essential cover for professionals providing advice or services where negligence could result in client losses.

  • Protection against negligence claims
  • Defence costs and legal expenses included
  • Tailored limits matching your services
  • Retroactive date options for existing work
  • Cover for multiple team members
  • Worldwide coverage for international clients
Public Liability

Public Liability (PL)

Fundamental third-party cover protecting against bodily injury or property damage claims arising from your operations.

  • Third-party bodily injury claims
  • Property damage liability
  • Legal defence costs included
  • Products liability options
  • Hirers liability for contractors
  • Unlimited cover options available
General Liability

General Liability

Broad protection against the common business liabilities every operating company faces.

  • Personal injury and defamation cover
  • Privacy violation protection
  • Advertising liability
  • Event-specific coverage
  • Flexible deductibles and limits
Commercial

Commercial Insurance

Multi-faceted protection for your entire operation — assets, income and financial security.

  • Property: buildings, contents, equipment
  • Business interruption income protection
  • Stock and inventory protection
  • Machinery and equipment breakdown
  • Tenant liability for leased premises
Cyber

Cyber Insurance

Modern protection against data breaches, ransomware and digital liability — the fastest-growing risk for NZ businesses.

  • Data breach response coordination
  • Breach notification and compliance
  • Cyber extortion / ransomware support
  • Business interruption from cyber events
  • Regulatory fines and defence costs
  • 24/7 cyber incident support line
Risk & Domestic

Risk Management & Domestic

Proactive risk advisory plus residential investment cover for landlords and property investors.

  • Professional risk assessments
  • Loss prevention strategies
  • Health & safety compliance guidance
  • Landlord building & contents cover
  • Loss of rent during repair periods
  • Cover for multiple properties
Get started

Talk to a Kiwi broker today.

Free, no-obligation consultation. We'll match you with the right broker for your circumstances — usually within one business day.