Business/commercial insurance

They say nothing in business is guaranteed. But there’s one thing we can be certain of – worrying doesn’t take away tomorrow’s troubles; it takes away today’s peace. We can help you make sure your business and assets are protected.

With our knowledge and experience in risk management and access to a full scope of insurance options, together we’ll arrange a smart solution that balances your business needs with cost efficiency in the long term.

Business/commercial insurance

They say nothing in business is guaranteed. But there’s one thing we can be certain of – worrying doesn’t take away tomorrow’s troubles; it takes away today’s peace. We can help you make sure your business and assets are protected.

With our knowledge and experience in risk management and access to a full scope of insurance options, together we’ll arrange a smart solution that balances your business needs with cost efficiency in the long term.

Business/commercial insurance

They say nothing in business is guaranteed. But there’s one thing we can be certain of – worrying doesn’t take away tomorrow’s troubles; it takes away today’s peace. We can help you make sure your business and assets are protected.

With our knowledge and experience in risk management and access to a full scope of insurance options, together we’ll arrange a smart solution that balances your business needs with cost efficiency in the long term.

Products we provide

Products we provide

The original price paid to purchase a building and what it could be sold for now is clearer to most than the actual cost to rebuild it from scratch; which can be quite different indeed! Serious money can be invested in buildings and in rebuilding them so let us help you offload some of that worry. We can help you find and place business/commercial property insurance protection for your investment against accidental loss caused by fires, collision by vehicles, meteorites, random planes falling from the sky, power surges caused by lightning strike, other specified natural disasters (arranged on an individual basis) and more.

In this context, the ‘contents’ of your business are the inanimate things used that help make the good stuff possible. Every business has invested in equipment, a fitout of some description, or maybe even improvements to a landlord’s building! Whether it’s your computers, fixed plant and machinery, desks, shelving, money and other items, we can help you protect it from ratbag thieves or vandals, fire, flood, or even the butter-fingers who dropped their laptop (again!).

Whether your business is providing a service or selling products, unless lean manufacturing is your thing, you can have a lot of money tied up in stock held on premises. We can help you find and place appropriate protection for the consumables and raw materials you may use in your business, including the fancy things you may turn them into and other specified products or materials your business may buy in to wholesale or retail.

Tools and equipment intended to be used ‘out in the field’ carry quite a different level of risk to those used on premises, often experiencing rougher conditions and facing more variables. Examples of portable plant and machinery include phones, laptops, generators, pumps, survey equipment and other important mobile machinery and electronic items. Whether it’s just the one item, or a whole lot, together we can help you find protection for your tools or equipment falling off the back of the truck, loss due to a vehicle accident, theft by scallywags, accidental loss caused by misjudging a flight of stairs, and plenty of other risks too.

Do you have a plan for generating income if your business is temporarily unable to trade? In these circumstances, there can be many things to consider, like paying for temporary premises or additional costs to source or produce products, letting customers/clients know what’s happening, meeting ongoing financial obligations to banks, debtors, landlords and staff. For any claimable losses suffered to insured buildings, contents or stock that causes a reduction in turnover, we can help you find and place business interruption insurance protection to maintain your gross rents for property owners and gross profits for business owners, while your doors are closed.

Did you know that metals including zinc, cadmium, indium, silver, aluminium, gold, lead and tin can grow whiskers? The most damaging and the most prevalent are tin whiskers, which have disabled satellites, shut down nuclear power plants, and even resulted in heart pacemakers being recalled. This is just one example of how small things can cause huge problems. Unless you’re protected that is. We can help you find insurance cover protection for your pumps, motors and other mechanical, electrical and electronic machinery against specific damage caused by a mechanical or electrical breakdown and more.

Planning to build, renovate or alter a building you own or lease? Perhaps you’re a builder or you carry out or sub-contract subdivision work, earthworks, roadworks or irrigation work? The list could go on, but one thing’s simple – don’t start before you put commercial, farm, residential or civil construction or engineering cover in place. Give us early notice before they commence the work and we can help you find and place protection for your construction and engineering projects against the costs associated with having to clean up and start over from scratch (after a fire, for example), having to tidy up and put things right after a partial loss, increased construction costs during any reconstruction, having to re-purchase material, tools or equipment pilfered from your site and more.

For many businesses a vehicle is more essential than a building. You may have one, a dozen or a million-dollar plus fleet of vehicles! And they vary too, including harvesters, tractors, trucks, forklifts, utes, vans, ploughs, balers and trailers. Drive with fewer worries knowing you have protection against accidents, theft, fire, accidental loss, e.g. falling buildings or debris (but not bird poop!), rock vs. windscreen, liability and more. We’re as thorough as we can be, but encourage you to factor in all the aftermarket extras such as company branding or modifications like tool boxes or shelves, for example.

Liability is a HUGE topic and not your everyday conversation starter. But it’s on people’s minds a lot. We can help you find and place protection for a significant range of liability products and liability related worries and more.

Most policies including: general (aka public) liability, statutory liability (cover for defence costs and the cost of fines and penalties ordered against you by the courts as a result of unintentional breaches of most laws), employers liability, director and officers (aka management) liability, public and products liability, trustees liability, associations liability, professional indemnity, aviation liability, information and communication technology liability, seedsmen’s liability, bailees liability, work accident liability, contaminated products, director and officers personal liability, liability consequential loss, structural defects, defamation, contingency, office bearers liability, employment practice liability, marine cargo liability.

What is employee insurance? In a nutshell, you get insurance cover for your employees, which your business buys ‘in bulk’ – usually with no underwriting and at a cost much lower than equivalent cover currently offered for individual policies. It’s a great way to show you care about your employees. How would you react if one of your employees died or was off work due to illness? How might you support an employee (or their family) while they are off work? Employee insurance is a real answer to these questions – and a great way to attract, retain, reward and care for your staff too. Whether it is income protection, life cover or health cover, we can help you find the right solution for your employees.

After further information?

Get in touch for an obligation free conversation with one of our advisors

Contact us
After further information?

Get in touch for an obligation free conversation with one of our advisors

Contact us
Kevin Histen
Temuka Transport

“Nothing is a problem for Affinity+Co when it comes to people’s health and wellbeing. They go out of their way to make sure their customers are always satisfied in stressful times. You will always know that the process from start to finish is followed through and you never have to worry. They are always just a phone call away. Thank you so much, Kaylee and Corey, for everything you have done for me personally; the service is outstanding.”