What are the different cover types?

Small businesses drive New Zealand’s economy. It’s time your business got the protection it deserves. AA Small Business Insurance is a new way of choosing and managing insurance, created uniquely for small business owners. It’s all about honest, customisable cover to meet your business’s needs.

Speak to a Small Business Insurance Consultant

0800 500 231

Cover Types

Public and Products Liability Insurance

Cover for your legal liability if property is damaged or someone is injured due to your business activities.

Commercial Vehicle Insurance

Your choice of Comprehensive, Third Party, Fire & Theft or Third Party Only cover.

Business Contents and Stock Insurance

Covers you for loss or damage to your contents and stock which are normally kept at your business premises.

Portable Contents and Stock Insurance

Cover for your contents and stock which you normally carry around with you for your business, such as phones, laptops and tools.

Statutory Liability Insurance

Covers defence costs and fines ordered against you as a result of unintentional breaches of most New Zealand laws.

Employers Liability Insurance

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

Back in Business Insurance

Covers those situations when accidental damage prevents your business from operating. There are different levels of cover you can choose from.

Employee Theft Insurance

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

Equipment Breakdown Insurance

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

Deterioration of Stock Insurance

Covers you for damage to chilled or frozen stock caused by the accidental stoppage, malfunction or damage to refrigeration machinery.

Small Business Insurance for beginners

Wrapping your head around small business insurance may feel like a challenge and just another thing to add to your to-do list. So to give you a hand, we’ve spoken to our Small Business team to get their best tips on how to get started and what to consider.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

Request a callback