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Tailored business insurance solutions

A complete business insurance solution tailored to fit small and medium businesses. Right here. Under one policy.

                               0800 376 304

Cover we can arrange

Material loss or damage

If a fire or storm damages your premises, this can help cover loss of, or damage to, your business assets – such as buildings, contents and stock.  

Glass cover

Does your business have physical premises? This can help cover the costs of replacing internal or external glass – such as a window with an advertising sign that is accidentally broken or damaged.


Theft may be calculated or petty. No matter the circumstance, it’s always a blow. This can help cover the loss of your contents and stock due to theft at your premises.

Machinery breakdown

Even the most well maintained equipment sometimes becomes faulty. This can help cover the mechanical breakdown of machinery equipment at your premises – such as air-conditioning units and refrigeration equipment.

Business interruption

Business interruption insurance can help cover loss of income and increased costs of operating due to an insured event. An ‘event’ refers to property loss or property damage.

Electronic equipment cover

In today’s world, every business relies on technology. This can help cover the breakdown of electronic equipment at your premises – such as computers, photocopiers, POS – to keep your business humming.

Portable contents insurance

Every industry relies on portable business tools, be they laptops or wrenches. This can help cover loss or damage to portable contents – otherwise known as general property – both on and away from your premises.

Money cover

Does your business need physical cash on hand for cash transactions? It may be a necessity, but it can be a risk. This can help keep your business’s money safe while it’s on your premises or in transit.

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

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 complex terminology.

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 advice

Our experts understand your business’s unique risks. They can help you find the most comprehensive cover that’s right for your business.

Making it easy for SMEs

Our brokers will do the leg work to help you find the cover you need to run your business or secure the lease for your small or medium business.

Related insurance solutions

slected option

Business interruption

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

Public liability cover

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

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

Marketing consultant cover 

In marketing, strategy is key. Consider a strategic approach to your insurance – let the industry experts arrange yours. 

Travel agent insurance 

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

HR consultant cover 

Your clients know the value of your time. Why not free up some more? Let us arrange comprehensive insurance for you. 


Frequently asked questions

The insurance you will need or should consider for your business will depend on a few different factors – for example, the nature of your business, the services you provide, the assets you have, the risks associated with running your business, and the regulatory requirements of your industry or sector.

Some of the key risk insurance program options for businesses to consider include material loss or damage to property, glass breakage, theft, machinery breakdown, business interruption, electronic equipment, portable contents, tax audit, and money cover.

When it comes down to it, there’s no one-size-fits-all business package that suits all types of businesses – it’s all about finding the options that adequately cover the risks in your business. So before you sign for a business insurance policy, make sure you first seek advice from a broker who understands your business and its risks.

Business insurance can be a valuable tool to help provide financial protection for your business against various risks and liabilities. However, because all businesses are different, it’s not as simple as just purchasing a policy and being done with it. There are a number of steps involved in making sure your business policy is fit for purpose:

1. Assess your risk before you sign up for anything: This involves identifying potential hazards and the like likelihood and severity of risk events. Understanding the specific needs of your industry and operations as they evolve overtime is critical.

2. Choosing cover that’s right for you: This can be trickier than what you may think because policy wording – the terms and conditions, exclusions and inclusions – is often technical and complicated. However, you should base your decision on your risk assessment and the requirements of your business and industry.

3. Purchasing an insurance policy and managing cash-flow: In doing so you may need to weigh up the costs of different insurance solutions against the type of cover you get. Depending on the cost, you may wish to secure insurance premium funding to pay monthly instalments rather than a lump sum.

4. Renewals: When it comes to renewing your insurance policy, you should start reviewing your policy and requirements well ahead of the policy renewal date – especially if you’re working with a broker, so as to give them ample time to find the best cover at the best price, 3 months ahead is bet practice.

5. Claims process: In the event that you need to make a claim with your insurance provider, you’ll need to notify the insurance company at the time of the event, providing documentation and evidence of the loss or liability. Your insurer will assess the claim and determine how much you will be compensated. Broking companies – like Marsh – typically provide claims services to businesses requiring support.

Even as a small business or sole trader, the claims made against you can be costly. If you don’t have the funds to cover expenses such as legal costs, compensation, and replacing lost or stolen goods, then you should consider purchasing some form of business insurance. Of course, you will need to assess which type of insurance is right for you.

A sole trader can range from someone running their own pet sitting business to a management consultant for large corporations. Find out if Marsh can arrange insurance for your profession or occupation on our Business listing page.

Business insurance is an integral part of doing business. Without the right protection, you risk losing everything you’ve worked so hard to achieve to one event – be it a storm, fire or burglary.

The most common business package policies include:

  • Property insurance (including business interruption insurance) 

  • Glass insurance 

  • Theft insurance 

  • Money insurance 

  • Public liability insurance 

  • Product liability insurance.

Many insurers offer other cover, such as machinery breakdown and electronic equipment.

The important thing to remember is this: we can tailor your business insurance package to your needs.

Imagine an insurable event happens to your business. A fire, storm, theft or burglary. Would you still be able to pay rent, utilities, staff wages and operating costs?

If not, business interruption insurance can help cover you. It provides protection for loss of income and increased operational costs caused by an insured event.

The cost of your business insurance depends on a few factors. These can include the:

  • Size of your business

  • Size of your workforce

  • Type of business activities you carry out 

  • Property you want to insure 

  • Location you operate from.

Your insurer will also consider your fire and security protections, plus any claims history if you’ve had insurance before.

You can also obtain quotes that have a higher excess amount. This can provide some premium savings.

Discuss all these factors in-depth with your Marsh advisor.

Exclusions under a business insurance policy will be specific to your industry and the insurer you choose.

That’s why it’s critical to understand what you are being covered for before purchasing business insurance.

Thankfully, our team of brokers and risk management experts can provide you with advice and recommendations at every step of the way.

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.