Business Insurance

When you own or manage a business having the right insurance brings confidence and security, knowing that you have a strategy that protects your business and its assets from unexpected setbacks. By working with Cartwrights you can rely on having the right coverage in place to keep your business up and running.

We will spend time with you discussing your business risks and requirements, putting the energy into really understanding your business and explaining what’s available in the market. Our advisers will assess what insurances you may already hold, your business turnover and size, your operating history, and the nature of your industry, as well as how you manage risk.

Cartwrights advisers can tailor all kinds of policies to suit any business model. They can source the most suitable policies based on your budget and premium funding options, customise the policies further where necessary, and then negotiate the best terms for you and secure the right cover.

See our Business Insurance covers below. 

What we can cover:

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Business Asset | Material Damage - Find out more.
Business Asset | Material Damage - Find out more.

Business assets insurance (also known as Material Damage Insurance) covers losses or damage to your commercial buildings, contents, plant, stock and other assets, from either fire, flood, burglary, earthquake or other unforeseeable events. 2 Min Read

Business Interruption Insurance - Learn more here.
Business Interruption Insurance - Learn more here.

Business interruption insurance covers you for the loss of income when your business has been interrupted as a result of an unforeseen event. When your business suffers from an interruption, the financial impact can be greater than the physical one.

Financial obligations still continue when an interruption occurs. Business interruption insurance helps to minimise that financial impact helping your business recover quicker from the unforeseen event. 2 Min Read

Cyber Insurance - Find out how to protect your business.
Cyber Insurance - Find out how to protect your business.

Cyber insurance helps protect against the high risks within your modern business. There are no boundaries when it comes to cybercrime. 2 Min Read

Corporate Travel Insurance - Find out more here.
Corporate Travel Insurance - Find out more here.

Travelling on business comes with a host of common and complex risks. 2 Min Read

Commercial Motor Vehicle Insurance - Find out how we can cover your business.
Commercial Motor Vehicle Insurance - Find out how we can cover your business.

Commercial Motor Vehicle Insurance is important - the longer one of your vehicles is off the road the more money your business could lose. 2 Min Read.

Marine & Cargo Insurance - Learn more here.
Marine & Cargo Insurance - Learn more here.

Whether you move commercial vessels, watercraft, moving cargo, or running a marina, the marine insurance Cartwrights offers can help you. We can give you advice on the different marine insurance policies to give you the protection and security you need to keep your business risk to a minimum. 2 Min Read.

Contract Works Insurance - Protect your residential and commercial construction projects.
Contract Works Insurance - Protect your residential and commercial construction projects.

Protect your residential and commercial construction projects with comprehensive Contract Works cover. 2 Min Read.

Professional Indemnity - Peace of mind for your business.
Professional Indemnity - Peace of mind for your business.

Peace of mind for your business. Professional indemnity protects you and your company against allegations of professional negligence. A small mistake could be a costly mistake for your business. Professional indemnity insurance helps protect your assets and brand if your advice or services cause a client to take legal action against you. 2 Min Read

General Liability - Insures your business for legal liability.
General Liability - Insures your business for legal liability.

Alternatively, known as Broadform Public & Products Liability Insurance. General liability insures your business for legal liability - for accidental injury to a third party or damage to their property. 2 Min Read

Statutory Liability - Provides cover for a company, directors, officers and employees.
Statutory Liability - Provides cover for a company, directors, officers and employees.

The complexity and risks of running a business in New Zealand’s highly regulated environment are increasing. Statutory liability provides cover for a company, directors, officers and employees where they have unintentionally broken the law and face criminal prosecution that could lead to fines and penalties imposed by the courts. It also covers the legal costs of investigating and defending claims. 2 Min Read

Employers Liability - Recommended to cover you and your business against claims from employees.
Employers Liability - Recommended to cover you and your business against claims from employees.

Employers liability insurance is recommended to cover you and your business against claims from employees. Protection from the loss of legal liability and associated legal costs for an injury or illness to an employee - When not covered by ACC. 2 Min Read

Director & Officers Liability - Find out more.
Director & Officers Liability - Find out more.

Directors and Officers (D&O) Liability policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties. 2 Min Read

Our general insurance partners