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Insurance for Hospitality, Food and Drink

AA Small Business Insurance offers cover designed especially for small wholesalers and retailers of food and drinks. Our flexible policies insure you against common concerns that include the interruption of your business, a wide range of liabilities including employee or customer injuries, and the loss of essential equipment and stock. It’s all about getting you back up to full steam as soon as possible.

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.

 

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 Insurance

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.

Statutory Liability Insurance

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.

Employers Liability Insurance

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.

Back in Business Insurance

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.

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.

 

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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Individuality

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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Transparency

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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Flexibility

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