New Zealand

Material Damage & Business Interruption

Material Damage & Business Interruption

Business and property owners need cover for the potential loss or damage to their physical assets and any subsequent business interruption incurred as a result. This could include such incidents as fire, vandalism, theft, vehicle Impact, water and electrical damage, and weather events.


Material Damage cover insures you against damage or accidental loss to your physical assets, including your buildings, contents, plant and equipment, fitout and stock. Business Interruption cover enables your business to continue trading following the impact of this loss or damage.

Risk Appetite

Office, residential and light commercial

Some capacity for pre-1935 risks

Some capacity for earthquake-sensitive areas such as Wellington, Marlborough and Christchurch.

Some capacity for higher hazard risks, including locations that have poor claims history or are located in problematic geographic areas susceptible to flooding.


New Zealand


$5b of New Zealand-wide property

Up to $17m for any one location, depending on the occupation of the business and its age and construction characteristics

Want to know more?

Talk to your broker to learn more about Material Damage & Business Interruption Insurance. If you're a broker, get in touch.