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Business operations protection

Business operations protection

Protection for plant, stock, vehicles and more

  • Cover for your essential business assets, to ensure quick disaster recovery.
  • Liability protection if an employee causes damage while working for you.
  • Protection against machinery breakdown, including loss of refrigerated products.
Business operations
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More about

ASB's insurance specialists can help you to choose the risk protection that will work best for your business. The types of cover we offer are particularly well-suited to small and medium-sized businesses.

Payment options include monthly installments or a single annual premium.

Heres a brief summary of the different types of cover available:

  • Business asset - protects against loss or damage to buildings, plant, contents, machinery, and stock. Essential to ensure your business can recover quickly after a disaster.
  • Business interruption - covers you for loss of income and any increased operating costs while your premises are being restored following damage.
  • Business liability - covers losses incurred if one of your employees accidentally causes bodily injury to another person or damage to someone else's property in the course of your business.
  • Business vehicle - covers loss or damage caused by accident or theft. Also covers legal liability for accidental damage to someone else's vehicle, property or person.
  • Business machinery - covers mechanical or electrical breakdown of machinery. Also covers the deterioration of the contents of refrigeration units after breakdown.

Terms and conditions: This ASB insurance is underwritten by IAG New Zealand Limited, a member of the Insurance Council of New Zealand Inc.

The Insurance Companies (Ratings & Inspections) Act 1994 requires insurance companies to obtain a Financial Strength Rating, which represents their ability to pay present and future claims. IAG New Zealand Limited received a rating on 3 November 2009 AA- ("Very Strong") from Standard and Poors (Australia) Pty Ltd, an approved rating agency. A copy of the scale of which this rating forms part, is available free of charge from the insurer.

The availability of any insurance cover is subject to the acceptance and approval of a completed application. Exclusions do apply. For full details refer to the Policy Document which is available on request from any ASB branch.