Protect Your Business with Business Interruption Insurance
Business interruption insurance protects your business if an unexpected event temporarily stops you from trading. While property insurance covers physical damage to your buildings or equipment, business interruption insurance helps replace the income you would have earned and covers ongoing expenses during the downtime.
In New Zealand, this is especially important given the risk of natural hazards such as earthquakes, floods, and storms, which can disrupt operations even when your physical assets are insured.
This type of cover typically helps with:
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Lost revenue due to the disruption
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Fixed costs like staff wages, rent, and loan repayments
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Extra expenses needed to keep the business running, such as temporary premises or outsourcing work
Policies usually tie to a material damage policy, meaning cover activates if your business suffers physical damage. The indemnity period – the time you’re covered for – is defined in the policy and can range from months to a few years, depending on your business’s needs.
Having business interruption insurance ensures your company can maintain cash flow, meet obligations, and recover after unforeseen events without jeopardising your future.
Why Specialist Business Interruption Insurance Advice Matters
Running a business comes with unique risks, and a one-size-fits-all insurance policy may leave gaps in your coverage. Specialist business insurance advice ensures your policy is tailored to your specific industry, business size, and operational risks.
An experienced advisor can:
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Identify hidden risks you might not be aware of
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Help you understand policy terms, limits, and exclusions
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Support you during a claim to ensure you’re fully covered
Getting the right advice means you’re not overpaying for unnecessary cover while ensuring your business is protected in the event of the unexpected. Our clients trust us to be there when it matters most – that means clear guidance when you set up your cover and hands-on support if you ever need to claim.
Business Insurance
FAQs
There is no cost for our advice. If you take out a policy, the insurer pays us directly.
We cover the key areas of business protection – business assets and tools, vehicles, business liability and interruption, contract works, and marine insurance.
Our life and living insurance team can also help you with life insurance, health insurance, trauma cover, income protection, and ACC Extra.
Our business insurance advisers understand what it takes to run a business. We work with owners across a wide range of industries, taking the time to understand your business structure, risks, and key people.
By getting to know you and your business, we can recommend tailored insurance solutions that protect what matters most, support continuity, and align with your broader financial goals – helping you make informed decisions with confidence.
Yes. We’ll review your existing business insurance cover, spot any gaps or overlaps, and ensure it meets your current needs. There’s no pressure to change anything – just straightforward advice on where you stand.
Finsol business insurance advisers provide independent, expert advice tailored to your business. Unlike going directly to a single insurer, we compare policies across multiple providers to find the cover that best meets your unique needs.
Plus, with our ongoing support, you have a trusted adviser in your corner to guide you through claims and any changes to your business insurance requirements.
If you need to make a claim, our dedicated business insurance team manages the entire process for you. We guide you step by step, handle all communication and paperwork with the insurer, and keep you informed throughout, so you can focus on running your business while we handle the claim.
We recommend reviewing your business insurance at least once a year, or whenever something changes in your business. This way, you can be sure your cover still matches your needs.
Our Business Insurance advisers.
Meet our business insurance team. Trusted, experienced, and here to make insurance simple, clear, and built around you.
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