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Insurance | Business Insurance

Business insurance

Running a business has enough surprises without being hit by unexpected losses. The last thing you need is for an accident or some other unintended and unforeseen hiccup to leave you seriously out of pocket.

We’ve designed the TOWER Tailored Business Policy for your typical Kiwi business. Every business is different and this policy recognises that. It’s flexible, easy to understand and quick to set up.

Introducing TOWER Tailored Business Policy

Business Assets is your base cover provided by the TOWER Tailored Business Policy. It covers key physical business assets such as buildings, tools, plant, machinery, contents and stock for unintended and unforeseen physical loss or damage.

Once you have Business Assets cover you can then choose to add cover for:

Business Interruption - cover for financial loss when your business cannot operate
Liability - cover for your business for general, employers and statutory liability

TOWER also offers....

TOWER Motor Vehicle Policy - Tailored Protection
Health, Life, Trauma, Permanent Disability, Key Person and Business Expenses Cover for small to medium sized businesses.

Relax, we've got your business covered
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Insurance for Trades

When it comes to trades like construction, plumbing and electrical there are unique risks associated with people and property. For these businesses liability can become an issue in the event that there is any damage to property as a result of the work being done. Find our more about insurance for trades.

Insurance for Retailers

New Zealand has traditionally thrived on small businesses like cafes, clothing stores, high street shops and food retailers. For the average small business, managing risk is essential to long term business continuity. Some of the more concerning risks include events that could damage your stock, limit your ability to sell or affect your income from sales. Find our more about insurance for retailers.

Insurance for Manufacturers

For manufacturing businesses in New Zealand, meeting the needs of a rapidly changing and highly competitive market can be challenging. New Zealand manufacturers in the food, beverage, textile and furniture industries can face specific risks associated to assets and operations. Find out more about insurance for manufacturers.

Insurance for Business Services

When you run a small business, thinking about risk comes with the territory. Managing that risk is the main purpose of insurance. Find out more about insurance for business services.

Business Insurance Video
Check out TOWER's Business Insurance video on You Tube.

With a TOWER Tailored Business Policy, it’s easy to deal direct. We have a trained team of consultants on hand to answer your questions so you can decide what options suit you best. For your business insurance quote or for more information, call us on 0800 808 808 Monday - Friday 8.00am - 5.00pm or complete TOWER's online quote request form, and we will contact you.

TOWER is proud to support Kiwi businesses through Business Mentors New Zealand.

Important: Policies subject to TOWER’s normal underwriting criteria. This is only a summary of the business insurance cover that may be available from TOWER. Full details including terms, conditions and exclusions are contained in the policy document. TOWER business insurance is underwritten by TOWER Insurance Limited.

Documents that are available in PDF form can only be viewed using Adobe Reader. If you do not have Adobe Reader already, you can download the program for free.