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The Insurance Collective
Business & Financial

Business Insurance

A tailored package covering your assets, business interruption and liability so a loss puts you back where you were.

Request a quote 027 213 4362
Overview

Business insurance from The Insurance Collective is designed to cover your business and get it back to the same position it was in before an event happened. We arrange cover for your assets, business interruption and liability requirements - all within a single tailored package, negotiated with the right wording behind it.

Business Insurance
What it can cover

Business Insurance- what's included

  • Material damage to buildings, plant, stock and contents
  • Business interruption - lost profit, wages and ongoing costs after a loss
  • Public and products liability
  • Statutory and management liability
  • Commercial motor and goods in transit
  • Cyber and professional risks where relevant

Who it's for

New Zealand business owners who want one broker to structure the whole programme, not a stack of disconnected policies.

Why us

Why arrange it through The Insurance Collective

Genuinely local

Hawke's Bay brokers who know the region and can meet in person.

An advocate at claim time

We negotiate the wording and fight for a fair outcome when it counts.

National buying power

Insurance Advisernet membership means access to every major insurer.

Ryan McBrearty
Ryan McBreartyManaging Director

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us - someone who already knows you and your cover. That's the whole point of doing this properly.”

Ryan

027 545 0908

Frequently asked questions

What does business insurance actually cover?
It's a package tailored to your business - typically material damage to your premises, plant and stock, business interruption to replace lost income after a loss, and liability cover. We build the mix around your actual risks rather than selling a fixed bundle.
Do I need a broker, or can I go direct?
You can go direct, but a broker structures the cover, negotiates the wording, compares the market for you, and - most importantly - advocates for you at claim time. That's where the value shows up.
Do you charge for a quote?
No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.
How much will it cost?
It depends on your specific situation, so the fastest way to a real number is to request a quote or give us a call - we'll tailor it to you and explain the trade-offs.
How quickly can you arrange cover?
For straightforward cover we can often sort it the same day. More complex programmes take a little longer, but we'll keep things moving and keep you in the loop.
What areas do you cover?
We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.
What happens if I need to claim?
You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Related cover

All solutions

Worth reading

Plain-English guides related to business insurance.

Ready when you are

Get a quote for business insurance

Tell us a little about your situation and we'll come back with a personalised quote and straight-talking advice.

Request a quote027 213 4362

or Contact us

  • Free & no obligation
  • Insurance Advisernet member