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AA Small Business Insurance 

Small businesses drive New Zealand’s economy. We think it’s time they got the protection they deserve.

AA Small Business Insurance is a new way of choosing and managing insurance, created especially for small business owners. It’s all about honest, flexible small business cover that you can customise to meet your unique concerns.


We have not been able to find an exact match for your needs, as none of our online products are quite right for your business.

To help get you sorted, we’d like to talk with you when you have a moment. Please call us on 0800 500 231, request a call-back or call a broker for assistance.

Tell us about your business and we'll suggest some insurance...

What industry are you in?

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What's your main occupation?

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How many employees do you have?

Do you own any business vehicles?

Won't be long!

We're working out the best policy types for your business

Cover types we offer

Covers your legal liability to pay compensation for damage to someone else's property, or for personal injury to someone (other than your employees), including your defence costs.

Your choice of Comprehensive, Third Party (including fire and theft) or Third Party Only cover.

Covers you for loss or damage to your contents and stock while at your business premises, and for certain items while they are in transit.

Covers loss or damage to portable items or stock that you usually carry around with you in the course of your business.

Covers defence costs, fines and penalties ordered against you as a result of unintentional breaches of most New Zealand laws, as well as reparation ordered under the Health and Safety at Work Act.

Covers your defence costs and legal liability to pay damages to your employees who suffer a personal injury at, or because of, work.

Covers your reduction in business income when accidental damage prevents your business from operating as it normally would.

Covers you for physical theft of money or property (but not computer-based crime).

Covers you for damage occurring to refrigeration machinery at your place of business.

Covers you for damage to goods in refrigerated cabinets or chambers caused by the malfunction of refrigeration machinery.

Why small business insurance matters

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Protect what you’ve built

Finding the right insurance should be a priority for any small business owner. It’s more than just a matter of peace of mind; with the freedom of striking out on your own come risks and responsibilities that you may not even be aware of until it’s too late.

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Defy the odds

The unforeseen can have an outsized impact on small businesses, and even affect your ability to keep trading. That’s why it’s essential to find insurance cover that fits.

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Move on with confidence 

Our small business products are designed to help keep you safe from the financial impacts of a legal proceeding, and help your business recover in the event of loss through an accident or crime. 

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

Why Choose AA Small Business Insurance?

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Every business has unique needs and risks; what works for one may be a bad fit for another. AA Small Business Insurance lets you find your insurance sweet spot. 

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We believe you have the right to know everything about your own cover. That’s why we’re upfront, honest, and won’t try to sell you a policy you don’t need.

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Our packages change to fit your business — not the other way around. Customise your policy and update it as your needs change.