Small Business Insurance

Whether you’re a tradie, retailer, barista or making a living from home, we’ve got you covered.


Small Business Insurance

Every business is unique, and your insurance needs are likely to change as your business grows. The family people mover may become the full-time delivery van. You might start out as the only employee but may need to hire more people to join your team. Whatever your requirements, we’re here to help you choose the insurance cover you need, so you can focus on taking care of business.

Tell us you're a personal AA Member and you will receive a discount on selected policies based on how long you've been a Member. Plus, talk to us about how you could save money with a Multi Policy Discount when you take out more than one eligible insurance policy with us.



Cover types

Public and Products Liability Insurance

Cover for your legal liability if property is damaged or someone is injured due to your business activities.

Commercial Vehicle Insurance

Your choice of Comprehensive, Third Party, Fire & Theft or Third Party Only cover.

Business Contents and Stock Insurance

Covers you for loss or damage to your contents and stock which are normally kept at your business premises.

Portable Contents and Stock Insurance

Cover for your contents and stock which you normally carry around with you for your business, such as phones, laptops and tools.

Statutory Liability Insurance

Covers defence costs and fines ordered against you as a result of unintentional breaches of most New Zealand laws.

Employers Liability Insurance

Covers your defence costs and legal liability to pay damages to your employees who suffer a personal injury at, or because of, work.

Back in Business Insurance

Covers those situations when accidental damage prevents your business from operating. There are different levels of cover you can choose from.

Employee Theft Insurance

Covers you for physical theft of money or property (but not computer-based crime).

Equipment Breakdown Insurance

Covers you for damage occurring to refrigeration machinery at your place of business.

Deterioration of Stock Insurance

Covers you for damage to chilled or frozen stock caused by the accidental stoppage, malfunction or damage to refrigeration machinery.

Let's get things sorted

Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

*AA Member discounts are available when you take out or renew an eligible policy and provide us with your valid personal AA Membership number.