Check to see if your policy also covers earthquake damage.After the 2011 Canterbury earthquakes, insurers now want more information before agreeing to earthquake cover, including:If you don’t know the answers, an engineer can tell you.If you run your business from home, household insurance does not automatically cover your workspace or assets.This covers you against losses resulting from an interruption to your business for agreed periods when you can’t trade but still have costs, eg wages and rent. Package payment can be made monthly or annually. Make sure your cyber insurance policy covers your areas of risk. Get support from people who can drive your business forwardInsights and articles on the latest business topicsInsights and articles on the latest business topicsInsights and articles on the latest business topicsWhether you’re a sole trader, contractor or run a company, you need to guard against work and business risks.Disruptions to your business can be stressful and come with big costs. Do your sums. For all types, make sure you know what is and isn’t covered.Asset insurance can cover theft and damage items you own and use for work, eg computers, furniture, tools and stock. Brokers must be registered to operate. Common business assets checklist. On average, small business owners can expect to pay around $49 per month for Public Liability insurance. You might make a claim if your business has to close unexpectedly, eg after a natural disaster. Policy, exclusions, conditions and limitations apply. With business insurance from State, you can look forward to a dedicated claims service, Fly Buys points & more. It’s all about honest, flexible small business cover that you can customise to meet your unique needs. It’s a good idea to ask people in businesses like yours if they know a good broker.Going at it alone and getting your cover directly through an insurance company can be cheaper. More employees equals more risk, particularly for trades and service based industries. This is only due to our data being based on stand-alone Public Liability policies, as opposed to the Liability packages that we have negotiated with our insurers to combine Professional Indemnity and Public Liability cover which offer much more competitive premiums.It is also important to note that each insurance company assesses risk in different ways, and as such, what one insurer may consider as a high-risk occupation may not be considered high risk by another. This isn’t so.Insurance policies are also legal documents, with language that can be specific and complex.An insurance broker can help you unpick anything that’s unclear — and find policies that suit you. For example, an electrical contracting business with 10 employees, each visiting multiple locations on any one day, has a higher chance of something going wrong compared to a sole trader electrician who may only visit a handful of locations.In contrast, when it comes to office based occupations, revenue plays an important role for insurers to determine pricing. This is often due to the number of claims each insurance company has received for each specified occupation.Within the Trades & Services industry there are many different types of occupations with varying degrees of risk. We insure over 34,000 small businesses in NZ. If you don’t tell the truth, you may not be paid out on your claims. You should consider if the insurance is suitable for you and read the policy wording before buying the insurance. Your broker should help you understand what a policy does and doesn’t cover.
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