Business insurance
Insuring your business against loss or risk is important. You may want to have insurance cover for your business assets (such as equipment, stock or vehicles) and protect yourself against professional or public liability claims and loss of income. Your insurance adviser can help you decide what insurance cover is right for your business. This is an introduction to business insurance.
There are many different kinds of insurance available. Here are some of the better known types and a brief explanation of what they cover. It also mentions income protection insurance and key person cover.
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As a business owner you need to choose insurance that best suits your business’ needs.
Find out about the four main categories of business insurance: liability insurance, property and buildings insurance, business assets and equipment insurance (contents cover), and motor insurance.
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An insurance policy is a contract between you and your insurance company. It is something you purchase to protect your possessions from unforeseen loss or damage.
Find out why policies have an excess, how the cost of insurance in New Zealand is set, and what you are obligated to tell your insurance company.
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Prepare for the risks involved in owning a business with insurance cover.
Find out what questions to ask when choosing an insurance company, vehicle insurance, and what to do if an uninsured vehicle hits your vehicle.
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If you have a dispute with your insurance company who should you contact?
Find out how to handle a dispute with your insurance company, the Fair Insurance Code and making a complaint to the Insurance Council of New Zealand if you have a concern about your insurance company.
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Contact
The Insurance and Savings Ombudsman (ISO) is an independent, free service available to small businesses with five or less employees and an annual turnover of less than $400,000.
If you have a problem with your insurance or savings company about a claim or a policy, the ISO may be able to help. They deal with complaints about contents, vehicle and income protection insurance.