Property and facilities
Protect buildings, community facilities, equipment, technology, furniture and contents from insured loss or damage.
Impact sector · Caveo
Protecting the resources entrusted to your organisation
Risk protection is about helping your organisation remain resilient, sustainable and able to continue delivering on its purpose when unexpected events occur.
Book a Complimentary General Insurance Consultation with Caveo
Whether you are a charity, community organisation, school, trust, social enterprise or faith-based organisation, you are responsible for more than buildings, vehicles and equipment. You are responsible for people, programmes, services, community outcomes and resources entrusted to your care.
The right protection strategy can help safeguard your organisation from unexpected events that disrupt operations, affect finances, damage assets or interrupt the services your community depends on.
At Caveo, part of the Velocity Group, we understand that insurance is not simply about managing risk. It is about supporting resilience and continuity.
- Organisational assets
- Business continuity
- Liability protection
- Vehicles and transport
- Cyber protection
- Governance and resilience
Good stewardship
Protection is a governance conversation
For trustees, board members, executives and organisational leaders, risk management is an important part of good governance. The real question is not simply what might be damaged, but whether your organisation can continue supporting the people and communities it exists to serve.
- What happens if our facilities are damaged?
- How would services continue after a major disruption?
- How would a cyber attack affect operations?
- Could we recover from a significant financial loss?
- What would interruption mean for the people who rely on us?
Areas we protect
Cover built around the work you do
Business interruption
Help meet eligible lost income, additional operating costs, temporary relocation and recovery expenses after an insured event.
Liability protection
Consider public, statutory, employers’ and management liability, including eligible defence costs.
Vehicles and transport
Protect vehicles used to support programmes, services, staff, volunteers and community activities.
Cyber protection
Prepare for data breaches, ransomware, privacy incidents, recovery costs and cyber-related interruption.
Velocity Group
A holistic approach to organisational resilience
Risk protection does not exist in isolation. As part of the wider Velocity Group, we can consider how insurance connects with governance responsibilities, reserves and investments, employee wellbeing, KiwiSaver, lending and long-term sustainability.
Why Caveo
Protection tailored to your organisation
A school, community trust, social enterprise, church, charitable foundation and sporting organisation all face different responsibilities, assets and operational challenges. We take time to understand your mission, people and risks before recommending cover.
- Your mission and purpose
- Governance responsibilities
- Assets and facilities
- People and volunteers
- Operational risks
- Long-term goals
Common questions
Frequently asked questions
Yes. We can work with boards, trustees, executives and organisational leaders to build understanding around organisational risk, insurance structures, governance responsibilities and resilience.
Many organisations hold donor, membership, financial, health, staff, volunteer or service-user information. A cyber incident can disrupt operations, damage trust and create recovery costs, making cyber risk an important part of resilience planning.
Volunteer activities and insurance requirements vary. We can review your programmes and current arrangements to identify potential gaps affecting the organisation or its volunteers.
Review cover when assets, services, facilities, staffing, programmes or technology change. A regular review also helps confirm that cover remains aligned with current activities and responsibilities.
It means taking reasonable steps to safeguard the resources, people, facilities and services entrusted to your organisation while planning for continuity after an unexpected event.
The goal is to understand the risks your organisation faces, decide what can be managed internally and identify where insurance provides useful protection and certainty within your budget.
Need more advice?
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Protect your organisation’s ability to keep creating impact
We help charities, schools, trusts, social enterprises, churches, foundations and community organisations protect the facilities, services, people and opportunities their communities rely on.
Book a Complimentary General Insurance Consultation with CaveoCover, limits, exclusions and eligibility vary by insurer and policy. We will explain the relevant terms before you proceed.
Caveo financial advice provider information
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.