COVER COMMERCIAL ASSETS
PLANTS & TOOLS COVER
Whether your business is large or small, it’s a smart move to protect the assets that are there to ensure you build profits. There are always going to be risks inherent in operating your commercial enterprise, but those companies that garner long-term success are generally aware of their Professional Indemnity and Commercial Insurance requirements. It pays to be prepared for every eventuality so that when the unexpected occurs you or your business don’t end up out of pocket.
YOUR BUSINESS ASSETS
Each Commercial Insurance policy will have specific riders that are tailored towards addressing your unique requirements. You may be managing a portfolio of high-risk assets, such as commercial or residential property, or your assets may be tucked away safely in the bank.
You could have a fleet of vehicles running your product out to your customers, or you could be dealing with toxic chemicals in a warehouse environment. Each set of circumstances presents its own risks and benefits, and it’s important that you disclose all of your assets and practices when you sign up for Commercial Insurance cover.
Commercial Assets protection may include covering a loss of earnings sustained if your premises are destroyed by fire, if you lose a key piece of machinery for production, or if you can no longer transport your product or service to your customers. This means that if your delivery van is written off in an accident, we may be able to cover the cost of an interim rental while you wait to source a replacement that meets your needs.
Whether you are running doughnuts out to local cafes or moving livestock across the country, our Commercial Insurance advisors are available to talk you through scenarios where we can protect your assets and what we require in the way of ongoing information to ensure your cover remains firm.
OUR PARTNER: HOOD INSURANCE BROKERS
WHY CHOOSE SPRATT?
of Experience in NZ Financial Services
NZ Owned and Operated