Commercial Insurance Options




Business Assets:

Commonly referred to as Material Damage cover, this provides physical property protection for all assets such as buildings, plant, equipment, contents, office and retail fitouts, tools of trade and stock, etc.  Protection is for losses caused through accidental physical loss or damage including fire, flood, burglary, theft or natural disaster.


Machinery Breakdown:

Cover is provided for breakdown of all forms of specified machinery, from small electric motors to refrigeration plant to boilers and pressure vessels.


Loss of Profits:

This is also known as Business Interruption insurance.  Provides protection for lost profits and fixed expenses of the business, following a claim payable for insured assets under the Material Damage policy.  This can include cover for gross profits or gross rental income, wages and/or salaries, additional increased costs of working, claims preparation costs and other financial loss incurred.


Machinery Breakdown Loss of Profits:

Cover is also available for Machinery Breakdown loss of profits to cover profits lost due to the breakdown of specified machinery as insured under the Machinery Breakdown insurance.


Commercial Motor Vehicles:

Cover for vehicles used for commercial or business use.  Insurance can be for Full Comprehensive cover, Third Party Fire & Theft cover, or Third Party Only cover.


Trade Credit:

Trade Credit insurance protects you against the risk of bad debts that arise when selling your goods and services on credit terms to other businesses, both locally and overseas.


Corporate Travel:

Provides cover for those travelling outside New Zealand against risks such as loss of luggage and equipment; medical expenses; disrupted travel; cancelled travel; and third party liability.  Cover can be arranged on an annual basis or for a one off trip.


For more information on these products or any insurance query please contact your nearest BWRS office.

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