Small Business Insurance
We know that every small business is unique. With our customisable Small Business Insurance, you can choose the cover that’s right for you and your business.
Not sure where to start? Speak to a Small Business Insurance consultant now.
Our popular business cover
Looking for protection for your legal liability if property is damaged or someone is injured due to your business activity? We offer three types of liability cover for small businesses:
Public and Products Liability Insurance provides cover for your legal liability if property is damaged or someone is injured due to your business activities.
Statutory Liability Insurance to cover defence costs and fines ordered against you as a result of unintentional breaches of an Act.
Employers Liability Insurance to cover defence costs and legal liability to pay damages to your employees who suffer a personal injury at work.
Whether you’re on the road or have business premises, when it comes to protecting your business assets, we have two options of cover you can choose from:
Business Contents and Stock Insurance covers your work possessions and stock which are normally kept at your place of business.
Portable Contents and Stock Insurance covers your contents and stock which you normally carry around with you for your business, such as phones, laptops and tools.
Whether it's a tradie van or a trailer for selling coffee, we have options to cover you for damages to your vehicle or damages you cause to someone else’s property. Depending on the type of commercial vehicle you’re looking to insure, we offer different types of cover:
Commercial Vehicle Insurance for everyday vehicles like cars, utes and other light vehicles.
Commercial Vehicle Insurance for trailers, trucks, ride-on lawn mowers and other specialised vehicles.
What's your business?
Whether you’re a sparkie, a builder or a plumber, we’ve got customisable cover to suit the needs of your business.
The most popular cover for tradies are:
Public and Products Liability Insurance so you know you’re financially protected from damage you accidentally cause to other people’s property or for personal injury to someone who isn’t an employee.
Portable Contents and Stock Insurance so the tools, stock and belongings you carry around with you for your business are covered wherever you are in New Zealand.
Commercial Vehicle Insurance to give you peace of mind if your vehicle gets damaged or stolen, or you damage someone else’s car or property with your vehicle.
Do you run a food truck, market stall or restaurant? Pick and choose the cover you need to protect your business.
The cover our customers in food and drink industries opt for are:
Portable Contents and Stock Insurance covers the stock and contents you carry around with you for your business, such as food truck equipment, phones, laptops and tools.
Commercial Vehicle Insurance can help you get the vehicle you use for business back on the road. We have different levels of cover available to suit your needs.
Public and Products Liability Insurance is a good idea if you take your business to events like food markets or park on council-owned land. This insurance can help you recover if you accidentally damage someone else's property, or someone is injured due to your business activity.
If you’re in the ride-hailing industry using your vehicle for business, you’ll want to make sure you’ve got the right cover. Our customers operating a rideshare service often opt for the following cover:
Comprehensive Commercial Vehicle Insurance to cover your vehicle from accidental damage, loss or theft. This includes excess-free glass cover.
Public and Products Liability Insurance which covers your legal liability if you accidentally damage someone else's property, or someone is injured due to your business activities. This is particularly important if you regularly pick up clients from a specific place.
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.
Let's get things sorted
Why Choose AA Small Business Insurance ?
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.
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.
Flexibility
Our packages change to fit your business — not the other way around. Customise your policy and update it as your needs change.