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General Liability

Cover that protects your business from another person or business's claims of bodily injury, associated with medical cost and damage to property.

Public Liability: Covering your legal liability and the costs of defence for to third party property or personal injury as a result of your negligence also.

Professional Indemnity: Covering your legal liability arising from a breach of professional duty or negligence; omissions in advice or designs you provide which results in a financial loss to a third party. Professional Indemnity Insurance includes legal costs incurred in the defence and investigation of a professional indemnity claim.

Statutory Liability: Covering unintentional breaches of statutory acts including legal defence costs, reparation costs and in some cases fines. Fines under the Health & Safety in Employment Act are excluded.

Employers Liability: Cover for accidents and illnesses to employees during the course of their employment which are not covered by and the costs of legal defence.

Employment Disputes: Protects employers during personal grievance claims taken against them by current, former or future employees for an alleged breach of the Employment Relations Act. This cover includes defence , fines and penalties.

Director & Officers Liability: Protects individual directors and officers against liability for claims arising out of wrongful acts in the running and management of the company, as well as the cost of defending those claims.

Contract Works: Protects buildings during the course of construction or structural alterations to existing property including natural disaster cover.

Cyber Liability: Designed to protect your business against a number of cyber exposures, from hacking attacks and viruses to privacy breaches, cyber extortion and theft of data.

If you have specific insurance needs and have not seen what you are after on our website then please contact us. We have a range of options and may be able to meet your needs. Our advisors are here to help.

Other Insurance options :

Association Liability
Carriers Liability
Trustees Liability
Fidelity/Crime
Trade Credit
Machinery Breakdown
Rural Insurance Lines
Marine Insurance (Commercial Hull, Marine Cargo, Pleasure Craft)

Covers your legal liability

Protects you from legal costs incurred in the defence and investigation of a Professional Indemnity claim

Professional Indemnity

Covers for business or individual against alleged breaches of their professional services.

Covering your legal liability arising from a breach of professional duty or negligence; omissions in advice or designs you provide which results in a financial loss to a third party. Professional Indemnity Insurance includes legal costs incurred in the defence and investigation of a professional indemnity claim.

Protects business owners against loss or damage to their physical assets including building, plant, stock and fitout

Material Damage

Cover insures a business owner against loss or damage to physical assets including buildings, contents, plant and equipment, fitout and stock. Whether caused by accident, fire, theft, vandalism, natural occurrence, including damage caused by land subsidence, earth movement or slippage, flood, earthquake.

Cover your business to keep running after an unexpected event

Covers the turnover that is lost so you can recover and rebuild

Covers ongoing operating expenses

Covers relocation costs

Business Interruption

Protecting your business’s ability to keep on making money.

Business interruption insurance can help your business to keep running after an unexpected event, by covering the turnover that is lost so you can recover and rebuild.

Who should consider it?

For most business owners, there are ongoing expenses that you need to pay even if you’re not generating any revenue – like staff wages, supplier invoices, rent or loan repayments.

Business Interruption insurance can get you through a temporary crisis by protecting your cashflow – so you can pay these expenses, and help ensure the future of your business.

What can it cover?

Business Interruption insurance can cover the loss of any sales you would have made while your business is out of action – plus any extra costs you incur to stay open.

It may also include:

Ongoing operating expenses, such as electricity and rent
Relocation costs for moving to, and operating from, a temporary location.
Training costs for operators of replacement machinery
Closure of your business premises due to government-ordered street closures or curfews
Damage to a supplier’s premises which has a negative flow on effect for your business operations.

What isn't covered

There are exclusions. There is also often a deductible or excess and limits on cover, so check with your Steadfast Insurance Broker.

Covers most vehicles used in business

Commercial Vehicle

Don't let your vehicle become a liability

Commercial vehicles are important business asset. Their protection along with associated vehicle liability cover, is essential to the success of any business. You and your team may be good drivers and take all precautions to protect your vehicle, however your own driving habits are only one part of the equation. Accidents can occur due to other peoples driving, weather events or other natural disasters. When choosing to insure,the level of cover you require will depend on your individual circumstances.

Covers most vehicles used in business throughout New Zealand.

We can offer cover for your business and commerical vehicles.

Full comprehensive cover
Third party fire and theft cover
Third party only

Protects your business on construction sites

Protects the building under construction from natural disasters or damages caused by theft or vandalism

Contract Works

Ensuring your business is protected on construction sites

Important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, theft and product or public liability.