Business assets, liability and interruption insurance

Protect you and your business from the financial consequences of part, or all, of your business not being operational. From vehicles to public liability, ASB offers business insurance to cover almost every need.

Benefits at a glance

  • Cover for your business assets, to ensure quick recovery
  • Keep things simple by having all your insurances in one place
  • Protection for your commercial motor vehicle against loss or damage
  • Flexible payment options include monthly or annual premiums
  • Business Liability covers you and your business for your legal liability for accidental injury to other people or damage to their property

Is it right for my business?

If you’re a business owner or responsible for a business, you may wish to include insurance as a part of your business plan. Protecting your business from damage, interruption and losses potentially enables you to keep operating if something unexpected happens that affects your company. Without it, even a simple incident could potentially close your business down.

We offer a range of insurance cover for occurrences including natural disasters and liability issues, particularly well-suited to small and medium-sized businesses.

Choose the types of cover that suits your business

Business assets

Protects you against loss or damage to buildings, plant, contents, machinery, and stock.

Business interruption

Covers you for loss of income, together with any increased operating costs while your premises are being restored following damage, or have been made inaccessible by infrastructure damage elsewhere.

Business liability

  • Broadform Liablity - covers losses incurred if you, or one of your employees accidentally causes bodily injury to another person, or damager to someone else's property in the course of your business
  • Employer's Liability - covers your liability as an employer
  • Statutory Liability - covers you for your liability for an accidental breach of certain Acts, for example Resource Management Act 1991

Business vehicle

Covers loss or damage to vehicles associated with your business, caused by accident or theft. It also covers legal liability for accidental damage to someone else's vehicle, property or person.

Business machinery breakdown

Covers mechanical or electrical breakdown of your machinery. It also covers the deterioration of the contents of refrigeration units after a breakdown.

Other business insurance cover from ASB

If you, a business partner, or key staff member died or fell ill unexpectedly, it could seriously impact your business. Business life and disability insurance could give you added peace of mind by insuring you and the people you rely on.

Flexible payment options

We offer flexible payment options to suit your business’ cash flow, including monthly instalments or a single annual premium.

ASB and IAG - working together

ASB has chosen IAG New Zealand Limited (IAG) to underwrite our business assets, liability and business interruption insurance.

IAG New Zealand Limited has a rating of AA- ("Very Strong") from Standard and Poor's (Australia) Pty Ltd.

View IAG New Zealand Limited’s Financial Strength Rating.

Get started today

01. Contact

Call us on 0800 200 252 or talk to your regular ASB contact.

02. Consider

Review and accept your quote. We’ll get your cover in place.

03. Review

Remember to regularly review your cover and update it as required – especially if something has changed.

Get business insurance now

Ready to go?

Call us now or contact your regular ASB contact.

0800 200 252

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

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Business life and disability insurance

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Start-Up Income Protection

If you’ve been trading under three years, this cover could provide the protection you need if you become unable to work.

ASB general insurances are underwritten by IAG New Zealand Limited. For full details, refer to the relevant insurance policy document which is also available on request from any ASB branch or by calling 0800 200 252. The availability of insurance cover is subject to your application being approved. Exclusions apply. See further information regarding IAG's Financial Strength Rating. A minimum premium applies for all policies. Even if your policy qualifies for one or more discounts the total of these discounts cannot cause your premium to be less than the required minimum.

Business insurance Business assets, liability and interruption insurance