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Business

Retail insurance

Save time shopping around. Let Marsh arrange cover to suit your business – so you can stay focused on your customers.

Cover we can arrange

Public and product liability

Helps protect you if a customer suffers an injury or property damage while on your premises – or because of your product or service.

Glass cover

Helps cover glass windows, plus your business’s contents and equipment, against insurable events – like accidental damage, theft or fire.

Machinery breakdown

Whatever you use it for, this helps cover unforeseen breakdowns of machinery and equipment housed on your business premises.

Property insurance

Helps cover your on-premises assets against physical loss or damage from insurable, unforeseen events – like fire and storm damage.

Theft and money cover

Helps cover money and contents for theft on business premises. Includes a cover option for losses caused by employee dishonesty.

Why should you consider retail insurance?

Retail businesses face a wealth of unique risks and exposures – with many commercial properties also requiring specific cover to ensure your lease stays active.

But whatever your needs, Marsh can arrange tailored retail insurance cover – protecting you from whatever comes your way.

Male retail worker handing over purchase to customer

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language. 

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year 2022 and 2023 at the New Zealand Insurance Industry Awards

Tailored and competitive

Our brokers will do the groundwork to arrange the most comprehensive and competitive cover, tailored to your business.

Monthly payment options

You can choose to pay your premiums in monthly instalments to suit – and improve – your business cash flow.

Additional cover we can arrange

Product and services

Business interruption insurance

A storm, cyber attack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.

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Product and services

Management liability insurance

Help protect your business – and your team – against management and operational risks with management liability cover.  

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Product and services

Insurance premium funding

Don’t let insurance payments sneak up on you. Pay your premiums in monthly instalments with premium funding arranged by Marsh.

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Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price.

female insurance broker talking to clients

Frequently asked questions

Public liability cover and professional indemnity cover are considered the two most important types of business insurance. 

Public liability insurance can protect your business against a third-party negligence claim following an injury or property damage.

Professional indemnity insurance can protect you if a third party claims that an error in the advice or service you provided, property damage or financial loss.

As your insurance broker, Marsh will act as your advocate in the event of a claim.

Our team will negotiate with insurers, coordinate and manage all aspects of the claim process, and strive to help get you the best possible outcome. 

When your business renews or obtains a new insurance policy, you’re required to update your activities. This allows the insurer to apply the correct premium based on the risk.

If you do not accurately disclose this information, your insurer may decline cover in the event of a claim.

To ensure your information is up to date, or to ask a question, reach out to one of our specialist Marsh brokers.

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Related insurance solutions

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Ecommerce insurance

Cyber attacks and product liability are just two prominent risks for online businesses. Help protect yours with cover arranged by Marsh.

Craft breweries insurance

Damage, accidents and product recalls don’t have to halt your business. Let us arrange tailored cover to help keep things flowing.

Hotel insurance

Help protect your hotel’s reputation – and bottom line – in the event of a claim. We can arrange insurance that meets your unique needs.

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Professional indemnity

Help protect your business against claims of misleading advice, breach of duty and negligence with professional indemnity cover.

Public liability insurance

Help protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Allied health insurance

Arranging cover options for more than 700 allied health modalities, we’re here to support the vitality of your health service.
  

Travel agent insurance

We can arrange insurance products and services that may suit the travel industry, including professional indemnity and income protection.

Jeweller insurance

Jewellers need to be precise and comprehensive. So does their insurance. Let us arrange comprehensive cover – tailored to you.

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.