Buildings, fit-out, stock and plant
Commercial Property & Assets in New Zealand
Material damage cover for the physical things your business owns or leases — premises, fit-out, machinery, stock and electronic equipment.
Replacement value
Insure at today's replacement cost, including demolition and compliance upgrades.
Landlord or tenant
We work out which party insures the fit-out so nothing is double or under insured.
Natural hazards
Earthquake and flood exposure priced by region and construction type.
The detail
What commercial property & assets 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
- Fire, storm, flood and impact damage
- Burglary and malicious damage
- Earthquake and natural disaster cover
- Stock at declared locations
- Machinery, plant and electronic equipment
Worth adding
- Machinery breakdown
- Goods in transit
- Deterioration of refrigerated stock
- Removal of debris increases
Commonly excluded
- Gradual deterioration and lack of maintenance
- Unoccupied buildings beyond the notified period
- Faulty design or workmanship
- Contractual penalties
Questions
Commercial Property & Assets FAQs
Ready 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.