Material damage cover insures a business owner against loss or damage to physical assets including buildings, contents, plant and equipment, fitout and stock.
'Stock' is anything that moves through your business, while 'plant' is anything you use to run your business.

Business interruption insurance is designed to help you carry on through the event and after the damage has been repaired. The cover funds your increased operational expenses and injects lost profits into your balance sheet.

• Public liability cover protects your business in the event of claims made by the public in connection with your business activities.
• Statutory liability insurance can protect businesses against certain unintentional breaches of NZ legislation.
• Employers liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC.

Businesses that provide opinions, advice, design or specification run the risk of claims against them if the advice or design turns out to be unsatisfactory. 

Professional indemnity insurance covers the risk of making a professional mistake: an act, error, omission or through conduct or being misinterpreted. 

A commercial motor vehicle policy covers vehicles used for commercial purposes, providing protection for loss, accidental damage and when you're legally liable for damage to someone else's property. Gallagher can arrange cover across all business vehicle classes, from cars, utes and vans, to trucks, buses, forklifts, Ubers with our flexible commercial motor fleet insurance solutions.

Commercial property insurance is relevant for anyone who manages a business that owns assets and could be seriously affected by natural disasters or breakdowns.

Working on the land with machinery, livestock and people comes with a unique set of risks. We work with farms throughout the country to mitigate these risks and help get operations back up and running as quickly as possible after something unexpected happens.

Cyber attacks happen to businesses of any size, in every industry. Our cyber insurance brokers help companies identify and assess cyber risks, provide insurance advice, and arrange the most suitable cyber protection. 
(Eg. Ransomware victim, phishing, Virus infection, etc)

If you’re building, renovating or making alterations to a house or property, contract works insurance provides cover for accidental loss or damage that may occur during the project. 

Cargo insurance can protect goods in transit against loss or damage caused at sea - as well as associated land and inland waterways.

Property loss or damage could result from a range of risks, such as dock strikes, rogue waves, heavy seas, loss of refrigeration, or even earthquakes impacting containers on land.