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Business assets and income insurance - Insurance

Business assets and income insurance

ANZ Business Protector

ANZ Business Protector provides comprehensive business insurance in one easy package that's specifically designed to meet the needs of businesses just like yours.

We'll work with you and a dedicated Relationship Manager from Crombie Lockwood – one of New Zealand's largest insurance brokers with branches from Whangarei to Invercargill – to make sure your business has the protection it deserves.

ANZ Business Protector is all about protecting both sides of your balance sheet – your business assets and your earnings and outgoings.

Product features

Business loan insurance

  • Enables you to nominate the key people being insured to protect your business
  • Provides a lump sum to cover its debts and pays whatever's left over back to the business
  • In this way those left behind have some financial assistance to carry on.

Business assets insurance

  • An easy way to protect the assets on which your business depends
  • You're automatically covered for damage and losses up to $1 million
  • This eliminates the need to update asset registers or the need to let us know every time you buy or replace plant, machinery or stock
  • Most things are insured for replacement value, and business stock is covered for wholesale value up to $500,000.

Business interruption insurance

  • Another easy insurance option, with automatic cover of up to $1 million
  • Pays for loss of income and the increased costs of working that result from insured loss or damage affecting your business.

Business liability insurance

Mistakes can be costly – even when they're not your fault. That's where liability insurance proves its value, providing you with financial resources to defend yourself, while keeping your day-to-day business on track.

ANZ Business Protector offers three key liability insurance services:

General liability

  • General liability (also known as Public Liability) provides up to $2 million
  • Covers you for accidental damage or personal injury, as well as your liability as a tenant for any damage to premises your business occupies.

Employer's liability

  • Provides up to $1 million to defend yourself against legal action
  • Covers payment of any compensatory damages that result from employees injuring themselves while they work for you
  • Injuries include gradual process conditions like stress.

Statutory liability

  • Provides up to $1 million
  • Covers your legal defence costs and any fines and penalties you need to pay for alleged breaches of major pieces of legislation.

How to apply

For more information or to apply for ANZ Business Protector, contact an ANZ Business Specialist:

Telephone icon  Call 0800 ANZ BIZ (0800 269 249)

Enquire online icon  Enquire online

Visit branch icon  Visit your nearest ANZ branch


IMPORTANT: This is a summary only of cover and features that may be available. Terms, conditions and exclusions apply. For more details, including copies of the policy documents, contact any ANZ Business Centre or phone 0800 ANZ BIZ (0800 269 249).

ANZ Business Protector is underwritten by Lloyds of London (Business Assets and Business Interruption) and Lumley General Insurance (NZ) Limited (Business Liability). Business loan insurance under ANZ Business Protector is underwritten by American International Assurance Company (Bermuda) Limited trading as AIG Life. ANZ Business Protector, ANZ Business Premises Protector and ANZ Business Vehicle Protector are managed by Crombie Lockwood.

No member of ANZ National Bank Limited, its subsidiaries or any other person guarantees Lloyds of London, Lumley General Insurance (NZ) Limited, AIG Life, Crombie Lockwood or any of their products. ANZ may receive a commission on any policy it arranges.