Business insurance that works as hard as you do.
From cafés and trades to offices, retail and professional services — your broker arranges the cover your business actually needs, then explains it in plain English.
Liability, property, tools, stock, vehicles and business interruption — arranged around your business.
General information only — cover always depends on your situation. See our disclosure, privacy policy and terms of engagement.
Insurance Business Top Brokerage, five years running — awarded to the Shielded group in Australia
Three steps between you and covered
No forms in triplicate. No hold music. Just a broker who does the legwork for you.
Start a quote
Fill in the one-minute form or pick up the phone. It starts with a friendly call from an NZ broker — no paperwork, no jargon.
We do the shopping
Your broker compares cover and premiums from multiple insurers, then recommends what genuinely fits your situation.
You're covered
We arrange the policy, manage it at every renewal and fight your corner at claim time. You're now Shielded.
Broking without the old-school waffle
A young, energetic team of experts who challenge how insurance broking usually feels.
Professional advice
Qualified brokers who explain cover in plain English and recommend what fits — not what pays best.
Award-winning group
Part of the Shielded group, a multi-award-winning brokerage founded in Australia and now in New Zealand.
Renewal management
Your cover gets reviewed and re-shopped before every renewal, so it keeps up as your life or business changes.
24/7 claims
Lodge a claim any hour, any day. Then your broker manages the insurer for you, start to finish.
Cover for the rest of your world
One broker can look after all of it — just ask.
Truck & commercial vehicle
Rigids, tractor units, trailers, utes, vans and whole fleets — cover arranged by brokers who know NZ transport, whether you're line-hauling State Highway 1 or carting stock off-road.
- Trucks, trailers & fleets
- Carriers' liability
- Loss of use cover
- Utes & work vehicles
Rural & farm
Farms, lifestyle blocks, machinery, sheds and rural contracting gear — insurance arranged by brokers who understand that a farm is a home, a workplace and a business in one.
- Farm dwellings & sheds
- Tractors & machinery
- Livestock cover
- Farm liability
Home, contents & vehicle
House, contents and private vehicle insurance arranged by a broker — so you get cover that's genuinely right for you, not just the first quote a website spat out.
- House & contents
- Private vehicles
- Boats & trailers
- Landlord cover
Commercial property
Warehouses, retail premises, offices, industrial units and mixed-use buildings — insured for what it would actually cost to rebuild, with cover for the rent you'd lose while that work happens.
- Warehouses, offices & retail
- Loss of rent
- Body corporate & multi-unit
- Landlord liability
Construction & contract works
New builds, renovations, extensions and civil works — cover for builders, contractors and tradies that looks after the job itself, the gear you turn up with, and the people around the site.
- Contract works cover
- Public liability on site
- Plant, tools & equipment
- Design & build indemnity
Business insurance questions, answered straight
No jargon, no fine-print games — just how it actually works.
What insurance does my business actually need?
It depends on what you do. Most NZ businesses start with public liability, then add cover for their gear, stock, premises or professional advice as the risks apply. Your broker walks through how your business runs and recommends cover to match — you won't be sold cover you don't need.
What's the difference between public and statutory liability?
Public liability covers injury or property damage your business causes to someone else. Statutory liability helps with defence costs and certain fines if you unintentionally breach NZ legislation, such as health and safety rules. Many NZ businesses carry both.
How much does business insurance cost in New Zealand?
Premiums depend on your industry, turnover, claims history and the covers you choose — a sole-trader sparkie and a 40-seat restaurant pay very different amounts. Your broker gathers competitive quotes so you can compare real numbers for your situation.
Can you cover contract requirements, like liability minimums?
Yes. If a contract, landlord or principal requires specific cover — say $5m public liability — tell your broker and we'll arrange certificates of currency to prove it.
What happens at renewal?
We don't just roll your policy over. Before renewal, your broker reviews your cover, re-checks the market, and comes back to you with a recommendation — so your insurance keeps up as your business changes.
Who do I call if something goes wrong?
Us. You can lodge a claim with our team 24/7, and your broker manages the claim with the insurer on your behalf from start to finish.
Get a quote. It’s free.
One minute now, one friendly phone call later — and the insurance legwork stops being your job.