Protect Your Business with Commercial Property Insurance
Commercial property insurance helps protect the physical assets of your business — including your buildings, contents and equipment — from significant financial loss if they’re damaged, destroyed or lost due to insured events. This type of insurance is especially important if your business owns property, because standard personal or home insurance generally won’t cover commercial buildings or assets.
What Commercial Property Insurance Covers
A typical commercial property policy (often referred to as a material damage policy) can protect you against physical loss or damage caused by events such as:
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Fire, lightning and explosion
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Storm, wind and weather damage
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Flood and water damage (often optional)
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Theft and vandalism
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Earthquake or seismic events (usually optional or subject to conditions in NZ)
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Accidental damage to buildings and contents
It’s designed to help you repair or rebuild your business premises and replace contents such as office equipment, stock, furniture and specialised machinery if they’re damaged or destroyed. This can protect your business from a costly interruption and long‑term financial stress.
Who Needs It
Commercial property insurance is typically taken out by the property owner — whether that’s your business entity or an investor holding commercial assets. If you lease premises, insurance arrangements can vary; landlords may insure the building on your behalf, but you’ll usually need separate cover for your own contents, fixtures, fittings and business‑owned equipment.
Getting the Cover Right
Commercial property insurance policies vary in what they cover, what events are included or excluded, and how limits and excesses are set. A tailored review with an experienced insurance advisor is essential to:
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Accurately determine what needs to be insured
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Ensure natural hazard cover reflects your location and risk profile
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Understand policy limits, exclusions and excesses
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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