Commercial Insurance - protecting your business, large or small

Material damage, business interruption, liability, commercial motor, cyber, contract works and more. Comprehensive commercial cover arranged by an independent broker.

High-value commercial line

Commercial Insurance

Every business carries risk, and the right commercial insurance programme is what keeps a setback from becoming a disaster. KIS arranges business insurance NZ owners rely on and comprehensive commercial insurance NZ programmes for Northland businesses and commercial clients nationwide - from sole traders to larger operations. Because we're independent, we build a programme around your actual exposures rather than pushing a single insurer's product.

Material damage

Cover for buildings, stock, plant and equipment against fire, storm and theft.

Business interruption

Lost revenue and ongoing costs when your business can't trade after an event.

Public & products liability

Protection against third-party injury or property damage claims.

Professional indemnity

Cover for claims arising from professional advice or services.

Commercial motor & fleet

Cover for vehicles, fleets and mobile plant.

Cyber insurance

Protection against cyber attacks, data breaches and system interruption.

A complete commercial programme

Beyond the core covers, we arrange commercial property, contract works (for builders and trades), plant and equipment, marine cargo, management liability, statutory liability, employers liability and fidelity guarantee. The result is a coordinated programme where the pieces fit together - no gaps, no costly overlaps. Commercial insurance NZ businesses rely on is only as good as the way its parts connect. A material damage policy that doesn't align with your business interruption indemnity period can leave you underinsured exactly when you need it most; a liability programme that overlaps between public, products and professional indemnity can mean paying for cover twice. We design your programme so the pieces interlock properly, with sums insured that reflect the real replacement cost of your assets and indemnity periods that match how long it would genuinely take you to recover. For Northland businesses and commercial clients nationwide, that coordination is where a broker earns their keep.

Cyber insurance NZ - protection for a digital-first business

Most businesses now depend on systems and data as much as on physical assets, and cyber insurance NZ coverage addresses the risks that follow. A ransomware attack, a data breach or a business-email compromise can shut a company down for days and carry costs that material damage cover simply doesn't touch - forensic investigators, notification obligations, system restoration and the income lost while you're offline. KIS arranges cyber insurance that reflects your actual digital exposure, whether that's an online retailer handling customer payments, a professional services firm holding client data, or a trades business whose scheduling and accounting live in the cloud. We help you understand what's covered (and what isn't), set appropriate limits, and put incident-response support in place before you need it. Because we're independent, we compare the cyber insurers who write this well rather than bundling an afterthought add-on into a package - which is exactly the difference that matters when an attack happens.

Built around your risk, not a template

Two businesses in the same industry can have very different insurance needs. We start by understanding how you operate, your contracts, your assets and your obligations to clients and regulators. Then we match covers to exposures and negotiate terms with insurers on your behalf. At renewal, we review the programme rather than simply rolling it over. A marine engineering workshop, a construction contractor, a professional services firm and a retail operation all carry fundamentally different risks, and a templated commercial policy will inevitably get some of them wrong. We take the time to understand your contracts (and the insurance obligations within them), your supply chain, your cyber exposure, your reliance on key equipment and your people. That understanding drives a programme that fits - and at each renewal we revisit it, because businesses change and so do their risks. It's the difference between insurance that ticks a box and insurance that actually protects you.

Claims advocacy when it matters

The real value of commercial insurance shows up at claim time. As your broker, KIS manages the claim process, deals with loss adjusters, and pushes for a fair and prompt settlement - so you can focus on keeping the business running. A major commercial claim can be complex, stressful and drawn out, with loss adjusters, accountants and insurers all involved. Having a broker who knows your policy, knows your business and knows how claims really work makes a material difference to the outcome. We prepare the claim properly, present it strongly, and follow it through to settlement - and because we work for you and not the insurer, that advocacy is uncompromised. For Northland businesses and commercial clients across New Zealand, that's the peace of mind a specialist commercial broker delivers when it matters most.

Explore our other services

Marine InsuranceBlue-Water & Launch InsuranceDomestic InsuranceRural InsurancePrestige VehiclesLife & Health InsuranceLiability & Risk

Where we provide this cover

Based in Bream Bay, servicing all of Northland and nationwide for marine and commercial clients.

Bream Bay / One Tree Point / Marsden CoveWhangāreiNorthlandKerikeriKaitaiaRest of New Zealand

Ready to keep your insurance simple?

Get a free, no-obligation consultation with Tim - your local Northland broker.

022 323 9125