Your business is more than buildings, vehicles and equipment. It is your income, reputation, employees, customers and the future you have worked hard to build.
At Caveo, part of the Velocity Group, we take the time to understand your business before recommending solutions tailored to your circumstances.
Business insurance & risk protection
The right insurance strategy helps protect your business from unexpected events that could interrupt operations, damage assets, impact profitability or create significant financial liability.
Business insurance at a glance
Business insurance helps protect the assets, income, reputation and continuity of your business when unexpected events occur.
Whether you're a sole trader, professional service provider, retailer, tradesperson, property owner or growing company, the right insurance strategy can help reduce financial disruption and support recovery when things don't go to plan.
Business owners often carry significant personal and financial responsibility.
Employees rely on you. Customers rely on you. Your family may rely on your income.
That's why business insurance isn't simply about protecting physical assets. It's about protecting your ability to continue operating, generating income and building the future you have worked hard to create.
Running a business is risky enough
Many business owners carry the weight of responsibility long after the workday ends.
No insurance policy can remove every business risk. However, having the right protection in place can help improve certainty and reduce financial stress when unexpected events occur.
For many business owners, good insurance isn't just about protecting assets. It's about helping them sleep better at night knowing they have a plan if something goes wrong.
Complimentary business insurance review
Book a complimentary one-hour review with one of our advisers. We'll discuss your key risks, review your current arrangements and help identify any gaps that could leave your business exposed.
Areas we can help protect
Protect your buildings, equipment, stock and physical assets against unexpected physical loss or damage caused by events such as fire, storm, theft and vandalism.
Help replace lost income and cover additional operating costs when an insured event disrupts normal operations.
Protect against the financial consequences of legal claims and allegations arising from business activities.
Protect anything from a single work vehicle to a larger fleet against accidental damage, theft, fire and other insured events.
Support businesses that provide advice, expertise or professional services if a client alleges financial loss from an error, omission or breach of professional duty.
Help respond to cyber incidents that can disrupt operations, compromise sensitive information and damage customer trust.
Provide predefined payouts when specific earthquake triggers are met, helping businesses access funds quickly without waiting for lengthy loss assessments.
Working from home?
Many business owners assume their home and contents insurance automatically covers everything associated with working from home. In reality, that's not always the case.
Depending on the nature of your business, you may need to consider:
If you operate a business from home, it's worth reviewing your insurance arrangements to ensure your business activities are appropriately disclosed and covered.
Supporting the impact sector
Charities, community organisations, schools, trusts and other purpose-driven organisations often have unique responsibilities when it comes to managing risk and protecting the resources entrusted to them.
Whether you're responsible for buildings, vehicles, equipment, technology or community facilities, having the right insurance arrangements in place is an important part of good stewardship.
At Caveo, we work with impact-sector organisations to understand their activities, responsibilities and long-term goals, helping ensure their insurance supports both their operations and the mission they're working so hard to achieve.
Book a General Insurance ConsultationWhy work with Caveo?
Insurance isn't simply about finding the cheapest premium. It's about understanding the risks facing your business and ensuring your cover will respond when you need it most.
Two businesses operating in the same industry can face very different risks depending on their size, customers, contracts, assets and business model. That's why we take the time to understand your business before recommending solutions tailored to your circumstances.
As part of the wider Velocity Group, we understand that business insurance sits alongside your business goals, cashflow, debt, lending arrangements, investments, KiwiSaver, succession planning and broader financial strategy.
Frequently asked questions
We recommend reviewing your insurance whenever your business experiences significant change, such as growth, relocation, purchasing equipment, taking on employees or introducing new services. Even if nothing has changed, an annual review is worthwhile.
Many sole traders still face risks such as professional liability, cyber incidents, loss of equipment or business interruption. The appropriate level of cover will depend on the nature of your business.
Not always. Some business activities, equipment or liabilities may require additional cover or disclosure to your insurer.
Business interruption insurance is designed to help replace lost income and cover certain ongoing expenses when an insured event affects your ability to operate.
Many businesses now rely heavily on digital systems, client data and online services. Cyber insurance may help respond to incidents such as data breaches, ransomware attacks and business interruption caused by cyber events.
Yes. We can review your existing arrangements, explain your cover and help identify any potential gaps or overlaps.
One of the key benefits of working with an adviser is having someone available to help you navigate the claims process, communicate with insurers and understand what information may be required.
Business insurance isn't just about protecting buildings, vehicles or equipment. It's about protecting the income, reputation and future of the business you've worked hard to build.
Whether you're a sole trader, growing company, professional services firm, trades business, impact-sector organisation or established enterprise, we're here to help you identify risks, understand your options and build greater confidence in your business protection strategy.
Book a General Insurance ConsultationPractical advice. Plain English. Protection that helps your business stay resilient when the unexpected happens.
Insurance Advisernet New Zealand Limited (IANZ), FSP26221, holds a financial advice provider licence issued by the Financial Markets Authority. Velocity Financial Wellington Limited, FSP 729451 is authorised by that licence to provide financial advice services.
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