At Hamer Pinnington, our Business Insurance solutions are designed to safeguard NZ businesses, their operations, and leadership. From comprehensive coverage to specialised protections like Professional Indemnity and Directors & Officers Insurance, we tailor plans to mitigate risks and ensure continuity. With over 25 years of expertise, we’re your trusted partner in navigating the complexities of business risks.
Business Insurance – Comprehensive Coverage for Business Activities
Running a business in New Zealand means juggling countless responsibilities – from managing staff to meeting customer demands. But unexpected events, like equipment breakdowns or legal disputes, can derail even the best-laid plans. That’s where our Business Insurance steps in, offering a broad safety net that covers your day-to-day operations, assets, and unforeseen challenges. At Hamer Pinnington, we assess your unique risks to craft a policy that fits like a glove.
We know every business is different – a retailer in Auckland faces different hurdles than a manufacturer in Christchurch. Our comprehensive coverage adapts to your industry, size, and goals, protecting against financial loss and operational hiccups. Whether it’s replacing damaged stock or covering legal fees, we ensure you’re ready for the unexpected.
With HP, you’re not just buying a policy – you’re gaining peace of mind. Our transparent approach means you’ll understand exactly what’s covered, and our in-house claims team is there to make recovery seamless. From startups to established firms, we’ve got NZ businesses covered, so you can focus on growth, not worry.
Professional Indemnity – Shields Professionals from Negligence Claims
As a professional in NZ – be it a consultant, architect, or accountant – your expertise is your livelihood. But even the most skilled can face claims of negligence or errors, whether justified or not. Professional Indemnity Insurance from Hamer Pinnington protects you against these risks, covering legal costs and damages if a client alleges your advice or services caused them harm.
These claims can strike at any time, threatening your finances and reputation. A simple oversight in a report or a misinterpreted recommendation could lead to a lawsuit that drains your resources. With HP, we tailor your PI coverage to your profession, ensuring you’re shielded from the unique liabilities you face, so you can work with confidence.
Our experience with large multinational firms across NZ and Australia gives us an edge in understanding complex professional risks. We don’t just offer a policy – we provide clarity and support, guiding you through claims with our expert team. Trust HP to keep your career secure, no matter what challenges come your way.
Directors & Officers / Management Liability Insurance – Protects Company Leaders from Personal Liability
Leading a business in NZ comes with big decisions – and big risks. Directors and officers can be held personally liable for breaches of duty, regulatory violations, or financial missteps, putting their personal assets on the line. Hamer Pinnington’s Directors & Officers (D&O) / Management Liability Insurance offers robust protection, covering legal fees, settlements, and fines so leaders can focus on steering the ship.
The stakes are high in today’s regulatory landscape. A health and safety breach or an employment dispute could lead to lawsuits from shareholders, employees, or regulators – think WorkSafe NZ or the Employment Relations Authority. Our D&O coverage is customised to your leadership role and company structure, ensuring you’re not left exposed when tough calls backfire.
At HP, we’ve worked with C-suite executives across industries, giving us deep insight into governance risks. We pair this expertise with a policy that’s clear and comprehensive, backed by our in-house claims support. With Hamer Pinnington, your leadership is protected, letting you make bold decisions without fear of personal fallout.
Business Interruption Insurance – Covers Lost Income Due to Operational Interruptions
In NZ, disruptions like floods, fires, or power outages can halt your business overnight, cutting off revenue while expenses pile up. Business Interruption Insurance from Hamer Pinnington steps in to cover lost income and fixed costs, helping you weather the storm – literal or figurative. It’s about keeping your business alive when operations grind to a halt.
Take a café hit by a power cut or a factory sidelined by storm damage – downtime can cost thousands in a matter of days. Our policies are tailored to your revenue streams and operational needs, ensuring you’re compensated fairly and quickly. We’ve seen how fast Kiwi businesses can recover with the right coverage in place.
HP’s strength lies in our proactive approach. We assess your risks upfront – from NZ’s wild weather to supply chain hiccups – and design a plan that bridges the gap until you’re back on your feet. With our seamless claims process, you’re not just surviving interruptions; you’re thriving beyond them.
Liability Insurance – Guards Against Third-Party Claims
Third-party claims can come out of nowhere – a customer injured on your premises, a supplier alleging damage, or a passerby suing over an incident tied to your business. In NZ’s litigious climate, these risks are real and costly. Hamer Pinnington’s Liability Insurance protects your business from these claims, covering legal costs and payouts so you’re not left footing the bill.
No business is immune – a slip in your store or a product defect could spark a lawsuit that threatens your bottom line. We offer Public Liability and other tailored options, customised to your industry and exposure, whether you’re a retailer, tradie, or service provider. Our goal is to keep you operational, not bogged down by legal battles.
With HP, you get more than coverage – you get partnership. Our 25+ years of experience mean we anticipate risks and streamline claims, keeping stress to a minimum. Trust us to guard your business against the unexpected, so you can focus on what you do best.
Connect with us
Ben Hamer
+64 021 632 369
ben@hpinsurance.co.nz
Wayne Pinnington
+64 021 497 369
wayne@hpinsurance.co.nz