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Business insurance

We understand the risks businesses face each day, across a broad range of business types. That’s why we’ve partnered with trusted providers in the insurance industry to offer a range of covers to suit your needs.

How we can help you get started

Get advice from the specialists

Success is hugely dependent on the smooth operation of your business. When something unexpected happens, it could affect business continuity or cash flow. It’s important to talk to specialists to ensure you have the right protection in place to fall back on if you need it.

We’ve done the research for you

We’ve partnered with leading insurance specialists Crombie Lockwood New Zealand Ltd and Cigna Life Insurance New Zealand Limited. They can offer you comprehensive, no-obligation insurance reviews to suit your budget and needs.

Options to suit your needs

Our insurance partners can help you choose options to protect property, stock, equipment, profits, liability, your income or even key people in your business.

Cover options

Every business is different – our trusted insurance partners recommend solutions that are specifically designed to protect you and your business from insurable events.

Protect your assets

A review by Crombie Lockwood might look at insurance solutions such as:

Business Assets

Covers physical loss or damage to business assets, including plant, machinery, buildings, stock, contents and tools.

Business Interruption

Covers loss of profits, staff wages and extra costs incurred as a result of an interruption to your business.

Business Liability

Covers legal costs and expenses as a result of business activities or products causing accidental third party damage.

Cyber Insurance

Covers the reconstruction of data and loss of income as well as legal costs and expenses relating to third-party claims.

Commercial Property

Covers damage or loss of commercial buildings, including the physical structure and loss of rents.

Rural Insurance

Multiple covers specifically designed for the rural and agricultural sector. Such as farm assets, farm vehicles, farm interruption, liability protections, milk cover, or cover for livestock.

Protect you and key people

A review by a Cigna Insurance Adviser might look at insurance solutions such as:

Life Cover

Pays a lump sum if you or a key person dies or is diagnosed with a terminal illness.

Trauma Cover

Pays a lump sum if you or a key person suffers from a defined serious illness or condition.

Complete Disablement Cover

Pays a lump sum if you or a key person becomes completely disabled due to illness or injury.

Business Overheads Cover

Pays a monthly amount as reimbursement of eligible business overheads, or the reasonable costs of employing a locum, if you are unable to work due to illness or injury.

Key Person Start-Up Cover

Pays an agreed monthly payment to compensate for losses the business may face if you or a key person is unable to work due to injury or illness.

Premium Cover

Pays your total insurance premiums if you or a key person in your business becomes disabled and is unable to work.

Personal insurance

A range of solutions designed to protect you and your family’s personal income, life and lifestyle.

We'll help you figure things out

One of our business specialists will be happy to answer your questions about business insurance and can put you in touch with one of our local insurance specialists.

Call us

General business enquiries

7 days a week, 6am - midnight

Business specialists available

Weekdays, 8am - 7pm

Weekends, 9am - 5pm

0800 269 249

From overseas: +64 9 523 7220


Visit us

Find your local branch and make an appointment to talk to a business specialist.

Find a branch


What else do you need to protect?

Your house

You’ve worked hard to get your house – insurance can help you protect it.

Your contents

Protect the things you own from accidental damage or loss.

Your car

Accidents happen. Insurance can help you get back on the road as quickly as possible.

IMPORTANT: This is a summary only of cover and features that may be available. Terms, conditions and exclusions apply. For more details contact any ANZ Business Centre or phone 0800 269 249.

Our insurance solutions are underwritten by third party insurers. All insurance products are subject to terms, conditions and exclusions set out in the applicable policy document. No member of ANZ Bank New Zealand Limited (ANZ) or its related companies guarantees the underwriters and insurers, or any of the products issued by them. ANZ may receive commission on any policy it arranges or on any referral to Crombie Lockwood New Zealand Ltd or Cigna Life Insurance New Zealand Limited.

Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.