Business & Commercial - Checklist

We cater for our business and commercial clients with a number of specialised insurance types, covering risks including the following:

Property Protection
Computer Breakdown
Contract Words – Annual Declaration and One off Projects
Engineering – Boiler Explosion & Refrigerated Goods
Forestry/Crop
Livestock/Bloodstock
Machinery Breakdown
Material Damage – Buildings, Plant and Stock
Motor Vehicle / Mobile Plant
Natural Disaster – Earthquake and other Perils
Business Interruption Insurance
Additional increased cost of working
Claim preparation fees
Computer breakdown loss of profit
Insurable profit
Machinery breakdown loss of profit
Natural Disaster – Earthquake and other perils
Rewriting of records

Liability & Indemnity Insurance
Associations Liability
Carriers’ Liability (NZ Carriage of Goods Act)
Directors’ & officers’ Liability
Employment Disputes
Employer’s Liability
Internet & E-Commerce
Legal Prosecution & Defence
Libel & Slander
Malpractice Liability
Public liability – general indemnity
Product liability including Recall, Guarantee, Tamper, Contaminations, Bailees Liability
Professional Indemnity – all occupations including financial institutions
Statutory Liability
Trustees Liability

Financial Risks Insurance
Bonds – Performance, Retention and Credit Enhancement Guarantees
Consumer Credit/Contingent Debt
Contingency – Prize Indemnity and Special Promotions including Hole in One Events,
non-appearance
Computer Fraud
Credit Insurance
Crisis Containment
Export Guarantee
Fidelity

Marine & Aviation Insurance

Aviation – Fixed wing, Rotor Wing, Deductible Protection, Chemical Liability, Hangarkeeper’s
Liability, Airport Operator’s Liability, Repairer’s Liability, Pilot’s Loss of Licence
Cargo – including Stock Throughput and Rejection Risks, Exports, Imports, Internal, Storage,
Advanced Loss of Profit
Liabilities – Ship Repairers, Port Authorities, Terminal Operators, Freight Forwarders, 
Charterers, Stevedores
Hull & liability for all types of craft including blue water
Construction Risks – Yards and one off projects

Contingency

Bloodstock
Crop
Disability/Accident & Illness
Kidnap and Ransom
Livestock
Pluvius – adverse weather insurance
Terrorism
Travel – annual Corporate Protection and one off trips including hazardous activities

Life, superannuation and employee benefits supplied to our clients via our preferred provider Johanna Pansier Insurance
Accident Compensation Supplementary
Personal Accident – Lump sum/weekly benefits
Actuarial Services
Group Life
Life/Trauma Insurance Keyman Health/Medical including Overseas Retirement Benefits Salary Continuance Superannuation