Commercial Insurance

Assets & Revenue Insurances

Building & Contents
We source insurance protection for buildings, contents and stock of your business against fire and other perils such as earthquake, lightning, storms, impact, malicious damage, explosion and accidental damage.

Business Interruption or Loss of Profits
We arrange comprehensive insurance to cover you if your business is interrupted through damage to property by fire or other insured perils. This ensures ongoing expenses are met and anticipated net profit is maintained through provision of cash flow.

Fidelity Guarantee
This covers losses resulting from misappropriation by employees who embezzle or steal.

Machinery Breakdown
Our cover protects your business in the event of mechanical and electrical plant and machinery breakdown at your worksite.

Motor Vehicle
Many different types of policies are available, so we help you to understand the options before making a decision. There are three basic options:

• Third Party Only - covers your liability for damage to another person or to the property of others and your legal costs. It doesn't include repairs to your own Vehicle if you caused an accident.
• Third Party, Fire and Theft - covers you against the events covered above, as well as fire and theft.
• Comprehensive - covers you for all of the above plus damage caused to your car in an accident. If you're buying a car using finance, financiers will insist on this cover.

Liability Insurances

Public Liability
Public Liability Insurance protects you and your business against the financial risk of being found liable to a third party for death or injury, loss or damage of property or 'pure economic' loss resulting from your negligence.

Professional Indemnity
We source Professional Indemnity Insurance to protect you from legal action taken for losses incurred as a result of your advice. It provides indemnity cover if your client suffers a loss (material, financial or physical) directly attributed to negligent acts.

Product Liability
If you sell, supply or deliver goods, even in the form of repair or service, you may need cover against claims of goods causing injury or damage.  We arrange Product Liability Insurance to cover damage or injury caused to another business or person by the failure of your product or the product you are selling.

Need a Quote

Come and talk to one of our friendly staff today. 

If you wish to discuss your requirements or require a quotation, please click here.

We are located in our revamped offices in the Old Post Office building in Sophia Street, Timaru and we also have an office at 18 Kermode Street, Ashburton.