Income cover while you rebuild
Business Interruption in New Zealand
When a fire or natural disaster stops trading, business interruption replaces lost gross profit and keeps paying wages, rent and fixed costs.
Indemnity period
Choose 12, 18 or 24 months — most rebuilds and consent processes take longer than owners expect.
Increased cost of working
Funds temporary premises, extra freight and overtime to keep customers.
Supplier and access cover
Extend to losses caused by a key supplier or a blocked street.
The detail
What business interruption covers
A typical New Zealand policy looks like this. Your final wording is set by the insurer we place you with — we walk you through it before you sign.
Usually included
- Loss of gross profit after insured damage
- Ongoing fixed costs including rent and wages
- Increased cost of working to stay trading
- Additional accountancy costs to prove the claim
- Loss of rents for property owners
Worth adding
- Prevention of access
- Supplier and customer extensions
- Utilities failure
- Infectious disease (where available)
Commonly excluded
- Downturn unrelated to insured physical damage
- Losses beyond the chosen indemnity period
- Uninsured property damage events
- Fines and contract penalties
Questions
Business Interruption FAQs
Keep exploring
Other business cover
Public liability
When your work damages someone else's property
See coverProfessional indemnity
Protection for the advice and designs you deliver
See coverCommercial vehicle
Utes, vans and fleets that earn their keep
See coverCommercial property
Buildings, fit-out, stock and plant
See coverReady for cover that actually fits?
Tell us what you need protected. An adviser compares the market and comes back with options in plain English — usually within one business day.