Back in Business Insurance

Looking for protection from business interruption? Get a Back in Business insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Speak to a Small Business Insurance Consultant

0800 500 231

How can Back in Business insurance help?

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.

  • Gross Profit

    If accidental damage affects your premises, we’ll help you get back on your feet by covering the reduction of your business income and the increased cost of working while repairs are taking place.

  • Increased cost of working

    We’ll cover the reasonable increased costs of working if your premises have been damaged. This may include the costs of marketing activity to let your customers know you’ve temporarily changed address while your business is getting back on track.

  • Reinstatement of records

    We’ll cover your costs, including legal fees, to replace or restore damaged business records. The most we will pay is 10% of the sum insured shown on your policy schedule.

  • Claim preparation costs

    If you need professional advice to quantify the value of your claim, we’ll cover the reasonable fees charged by a chartered accountant, solicitor or other professional consultant.

Every business is unique, so give us a call on 0800 500 231 to discuss the best insurance options for you.

Please note, in order for you to claim under Back in Business insurance, the damaged property at the premises must be insured under our Business Contents and Stock or Portable Contents and Stock insurance.

NZ's Most Trusted General Insurer

You can trust New Zealand’s Most Trusted General Insurer to protect your small business.

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Multi Policy Discount

Let’s make life and managing your business easier. The more you insure with us, the more you can save.

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Policy Document

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

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Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

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Frequently asked questions

If you can't find the answer you're looking for, please contact us.

Do I have to claim straight away

We need to be informed about your claim as soon as possible.

Once we have been informed about the claim, you can defer your 'indemnity period', which is the period of time you require cover for. This could be useful if, for example, there is a delay in getting contractors to fix the damage to your premises but you are able to operate your business in the meantime.

Your 'indemnity period' begins once repair work commences and lasts for up to 12 months, so you will still have cover when you need it most. 

Call us on 0800 500 231 to discuss your cover options.

Are my motor vehicles covered?

Back in Business insurance excludes cover for your company vehicles. Company vehicles are covered by Commercial Vehicle insurance.

Call us on 0800 500 231 to discuss your options.

Is Natural Disaster covered?

To be covered for Natural Disaster damage you need to add this additional cover on to your policy. To discuss your options or to see if you need to add cover for Natural Disaster damage, call us on 0800 500 231 to discuss your cover options.