Business Insurance

• Protecting your physical assets is the first part of getting back in business if the worst should happen. But what about meeting those ongoing financial commitments while your business isn’t operating?
• A Business Interruption Plan will provide you with the financial assistance to keep your business afloat while your business recovers. This can include rent, wages and other operating costs.
• Your PIC broker can tailor a plan to help your business survive a major event.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

• You may have just one vehicle or be running a fleet. Either way, we’ll source you a vehicle policy to suit your business needs.
• Accidents happen whether you are at fault or not. The PIC team will assist in making the repairs process as smooth as possible. This could include communicating with third parties on your behalf.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

• Mistakes happen. We all know that. Unfortunately, things can quickly get worse if a third party decides to make a claim against your business.
• Your PIC broker will provide you with a tailored Liability Insurance package that financially protects your business whenever those mistakes happen. It can even cover your defence costs under some policies.
• We have a large group of insurers who have a variety of products to cater for different occupations and new risks entering business i.e. cyber insurance. Your PIC broker will help to make the best decision with which covers to go with.
• Depending on your business, your tailored plan could include one or more of the following:
  • Public Liability Cover
  • Statutory Liability Cover
  • Employers Liability Cover
  • Directors and Officers Liability Cover
  • Employment Practices Cover
  • Fidelity & Crime Cover
  • Professional Indemnity Cover
  • Cyber Insurance

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

• Whether you have a one-off building or you are a construction business, each comes with its own set of unique challenges and risks. At PIC, we will work with you to ensure your Construction Insurance provides cover financially against damage during the build due to unforeseen events like, malicious damage, fire or storms.
• Your plan can include cover against physical loss, increased costs during reconstruction, demolition, getting rid of debris, and professional fees.
• You can take out cover per project or have an annual plan for when you’ve got multiple jobs on the go. Let’s talk about what’s right for your business.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

Cargo

PIC Insurance Brokers work with a wide range of insurers to provide reliable and comprehensive cover for goods in transit. In both personal and commercial categories, we can offer annual and or single transit policies to ensure that your goods are covered whilst in on the move, whether it be by air, sea, rail or road.

PIC offer Cargonet to the shipping and logistics industries. This is a point-of-sale cargo insurance system providing quick and reliable binding insurance policies. Contact marine@pic.co.nz for further information on Cargonet.

Logistics

PIC are a premium provider to the logistics industry giving specialist insurance advice to Freight Forwarders, Carriers, Shipping Agents, 3PL, Warehousing, Ports, Stevedores and other logistics providers. If it moves, we have the insurance industry knowledge to assist.

We have:

• Knowledge on the end-to-end supply chain
• Advice specialising in the freight and logistics industry
• Knowledgeable and proactive claims staff

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

A rural property often requires tailored insurance solutions. Have you thought about your fencing, your animals and the damage they may cause? We can help make sure you are covered for these risks.

We can advise on where you may need additional cover for outbuildings, sheds and farm assets.

Do you rely on the income from these farms? We can help make sure that you have this covered in an unexpected event.

Talk to us to find the right level of cover for you.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

The most important asset in a business are its people. How would your business cope with the loss of a key person, someone critical to the business, due to injury or illness?

Key Person cover can be structured to provide either a lump sum or an on-going income to the business to cover the temporary or permanent loss of a key person.

Having the right level of cover can provide financial support to:

• Cover any lost revenue and keep the business running
• Cover the cost of a replacement and other on-going expenses
• Manage the loss of the key person, minimise the financial impact and protect the value of the business

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

How would your business cope with the loss of a shareholder due to death or disability? What would that mean for other shareholders and how would it affect the control and running of the business?

Share Purchase Insurance can ensure that:

• There are funds available for surviving shareholders to acquire the shares of the deceased or disabled shareholder
• The interests of the surviving shareholders are protected
• The capital value of your business is maintained

Share Purchase Insurance is the most cost-efficient way of raising funds.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.

More and more employees are interested in not just salaries, but what else a business brings to the table.

PIC can design an employee benefits package that can help your business to attract and retain talent. These incentives can improve your company’s bottom line, help your employees to engage in your business and can differentiate you from other companies in the market place.

Covers can include Life, Trauma, Total and Permanent Disability, Income Protection and Health Insurance.

For more information or to get a quote, complete our online form or give us a call on 0508 742 742.