Why NZI for your Aged Care Services insurance?
We don't believe in a 'one size fits all' approach. We get to know what matters most to you, so we can provide the right cover and support.
Expert risk management advice
Cover for developments; from planning through to completion
Right cover for the right price
Wide range of cover
Proven experience in insuring Aged Care providers
Strong claims service to assist you
Cover options for aged-care services
This cover assists you to replace or repair stolen or damaged property, including specialist healthcare equipment.
Covers loss of revenue, profit, or rents due to damage to the insured property. The policy helps protect you from financial loss and keeps your business moving.
Our policies offer wide-reaching cover that will help to keep you protected, so you can get on with the job at hand.
Liability insurance policies can cover your negligence, the legal defence and investigation costs associated with the damage of another person’s property, or personal injury, or the legal costs of most unintentional breaches of New Zealand law.
The business world is rapidly increasing its dependence on digital technology. Just as you would ensure you’re covered for your physical business assets, buildings and liabilities - any business ought to think about protecting itself from potential cyber threats.
Frequently asked questions
Your ‘Sum Insured’ is the total cost of replacing everything insured under your policy. As the policy holder you decide on the amount of your Sum Insured. It is important to consider that the costs to replace assets can increase over time, so you want to ensure your Sum Insured amount is regularly reviewed to reflect this.
It’s important to consider and manage the following risk areas:
- Fire safety
- Health and safety
- Telecommunications and IT systems
- Electrical safety
- General housekeeping (maintenance, cleaning etc.)
- Smoking on-site
- Waste management
- Environmental hazardous substances
- Deep fryer cooking (if applicable)
The cost of a major loss incident is not only the direct loss or damage, but also the time spent dealing with the aftermath. A loss can cause disruption to work schedules, loss of income as well as impacts on your business reputation. You may face demolition, consent, relocation and temporary make safe costs, as well as rebuild fees.
- Environmental events
- Security protection
- Fire protection
We recommend you start by analysing your business and listing known risks, it can help to consider:
- What would be the worst thing that could happen to your business?
- How likely is it to happen?
- How would it affect your staff, customers, suppliers, property, IT systems and processes?
- How would you cope?
- Is there anything you can do to prevent or minimise the risk of it happening?
- How much can you afford to lose if you can’t run your business for hours/days/weeks/months?
For more information check out our Risk Management Guide.