Business insurance

We work with all of the available insurers within New Zealand as well as having access to some overseas markets for risks that are more difficult to insure.

With a tight, dynamic team, you will know who you are talking too, and we will know you and your business to provide  you with the best advice and you won't be just another number.

Commercial property

Property Insurance will protect your investment against unexpected losses such as fire, theft, storms and other natural disasters.

We will sit down with you and tailor an insurance plan to suit your business needs whether it is one or multiple locations.

 

We will work through the options provided by our Insurance Partners so we can offer you the best cover to protect your assets.

Commercial motor vehicle

Regardless if it is one work van or a fleet of heavy vehicles, we can arrange cover to suit you.

 

Accidents happen whether you are at fault or not. we will help to make the repair process as smooth as possible. This could include communicating with third parties on your behalf.

Construction insurance

Whether you have a one-off building or you are a property developer, each comes with its own set of unique challenges and risks. At PIC, we will work with you to ensure your construction insurance provides cover financially against damage during the build due to unforeseen events like, malicious damage, fire or storms.

Your plan can include cover against physical loss, increased costs during reconstruction, demolition, getting rid of debris, and professional fees.

You can take out cover per project or have an Annual plan for when you’ve got multiple jobs on the go.

Liability insurance

Mistakes happen. We all know that. Unfortunately things can quickly get worse if a third party decides to make a claim against your business.

We provide you with a tailored Liability Insurance package that financially protects your business whenever those mistakes happen. It can even cover your defence costs under some policies.

We have a large group of insurers who have a variety of products to cater for different occupations and industries.

 

Depending on your business, your tailored plan could include one or more of the following:

  • Public Liability Cover

  • Statutory Liability Cover

  • Employers Liability Cover

  • Directors and Officers Liability Cover

  • Employment Practices Cover

  • Fidelity & Crime Cover

  • Professional Indemnity Cover

  • Cyber Insurance

Business interruption

Protecting your physical assets is the first part of getting back in business if the worst should happen. But what about meeting those ongoing financial commitments while your business isn’t operating?

A Business interruption plan will provide you with the financial assistance to keep your business afloat while your business recovers. This can include rent, wages and other operating costs.

Cyber insurance

Technology is at the heart of almost every business. As a result, data protection and network security are leading risks for all organisations. Hackers don’t discriminate, and anyone with a website, computer, email address, phone or EFTPOS terminal is a target.

Cyber insurance can help businesses manage and recover from a cyber liability such as ransomware, a virus, malware infection, DDoS (denial of service) attack, or loss of data and privacy breach. 

Policies can cover business income loss and help minimise reputational damage after you’ve experienced an attack.