Business Insurance


We have over 20,000 policies covering New Zealand businesses nationwide

Our business insurance policies cover a range of industries and give you flexible, comprehensive cover at competitive prices. We know each business is different, so we can tailor your cover for the unique risks you face.

Our policies are sold through New Zealand’s leading insurance brokers, who have industry-specific expertise and can advise you of the products you need to protect your business. With Ando, your most important assets are covered with the backing of our international insurance partner, Hollard.

We have your business covered

Marine and transit

Commercial property investors

Tradies

Retail

Marine and transit

When you’re shipping freight destined for distant shores, or moving trucks down the highway, we know that in transit, accidents can happen and you often carry risk. Keeping your business afloat means covering your cargo for everything – from minor damage caused by potholes and stormy seas, to loss from jettisoned containers or total loss from a truck fire.

Ando Marine and Transit organises comprehensive cover across all import and export industries and is heavily engaged in the freight and logistics sector. Our simple solutions for standard cargo risks can also be tailored to cover complex cargo, such as livestock, project cargo, and valuable or fragile products. We also offer market-leading protection for perishables and primary produce, so if you need to claim for spoilage or incorrect handling in transit, our expert team can assist.

Our specialist marine and transit claims team has over 60 years’ experience and go the extra (nautical) mile to get you sorted faster at claims time. We’ve built great cover solutions for some of New Zealand and the Pacific regions’ largest freight and logistics companies, who enjoy the added benefit of their policies being underwritten by the original marine insurers, Lloyd’s.

We cover:
  • Marine Cargo: covering damage to your own goods in the ordinary course of transit by road, rail, air and sea – locally and internationally.
  • Carriers Liability: covering carriers and transport operators' legal liability (pursuant to Part 5, Subpart 1 of the Contract and Commercial Law Act 2017), including standard cover for; Limited Carriers Risk, Declared Value, Declared Terms & Owners' Risk.
  • Freight Forwarders Liability: specialist liability protection for freight forwarders and NVOCC operators. This may include consequential loss exposure resulting from contracts of carriage or handling, including; waybills, bills of lading and/or trading conditions, as well as liability cover for accidental loss or damage to cargo incurred by a cargo owner or cargo bailee.

Ando Marine and Transit are members of the Maritime Law Association of Australia and New Zealand (MLANZ) and the Insurance Council of New Zealand Marine Committee (ICNZ). We participate in important industry training and conferences to stay at the forefront of developments in the local and global maritime insurance industry.

We work with New Zealand’s leading insurance brokers who specialise in organising marine and transit insurance – speak with yours today to find out more about getting the right cover for your business.

Commercial property investors

When your money is locked up in big investments, you need these assets to be earning you income at all times. If you can’t partially or fully lease out your building due to damage to your property, your income can dry up overnight. At Ando, we understand your urgency to get these matters resolved, and have the claims process to get your property earning again, as fast as possible.

For simple claims, our aim is to process your claim within 48 hours, and for complex situations, our specialist claims team is here to help you through the process, keeping you informed every step of the way.

Whether you own one office or a multiplex empire, Ando has the right cover for you and can get your policy organised fast, so you can get on with the other things in life.

We cover:
  • Business assets: your buildings.
  • Loss of income: if loss or damage means you can’t lease your space, we can cover that.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for commercial property investors – speak with yours today to find out more about getting the right cover for you.

Tradies

Builders | Plumbers | Sparkies | Carpenters | Painters | Plasterers | Landscapers

When you work in a trade your tools are your lifeline, so if anything goes missing you need it replaced as fast as possible. With a big list of jobs to get on with, any delays can see you out of pocket. That’s why at Ando, we have a very simple claims focus – to get you a cash payment or repair/replacement plan within 48 hours. If 48 hours isn’t possible due to claim complexity, we’ll tell you why and do it as fast as humanly possible.

The cover you require can differ from contract to contract, and it’s not always clear what you need before arriving onsite. Whether you need $2million of cover or $10million, Ando has the right product for your business and can get your policy organised fast, so you can get on with the job.

We cover:
  • Business assets: covers the tools of your trade and your equipment.
  • Loss of income: if loss or damage means you can’t operate, we can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure for accidental injury or damage to someone else’s property while you’re working.
  • Transit cover: cover for damage or loss of materials and supplies in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for tradies – speak with yours today to find out more about getting the right cover for you.

You call a spade a spade and should expect the same from your insurer. We’re here to make insurance less complex and more transparent.

Retail

When your business relies on the sale of goods, damage to or loss of stock from theft, fire or floods can be devastating. Getting back on your feet isn’t as simple as sweeping up, reordering products and reopening the next day, so you need comprehensive protection to not only cover your assets but also to cover your lost income until your business can reopen.

At Ando, our experienced and expert claims team have a very simple focus – to get you a cash payment or repair/replacement plan within 48 hours. If 48 hours isn’t possible due to the complexity of the claim, we’ll tell you why and do it as fast as humanly possible.

We cover:
  • Business assets: the things you need to run your business; your space and your stock.
  • Loss of income: if loss or damage means you need to close, we provide cover for lost earnings.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for retailers – speak with yours today to find out more about getting the right cover for you.

Transport and logistics

Construction

Hospitality

Small business

Transport and logistics

Trucking fleets | Line haul operations | Couriers

Time is money, and the clock never stops, even if your truck does. That’s why our number one priority is the same as yours – getting your business back on the road, fast. We offer cover options for a range of operations, whether you have a fleet of one or one-thousand.

We know that our logistics customers have a job on their hands coordinating goods from A to B (often via C and D), so should your container end up in Kaikoura instead of Kaitaia, carrying lemons instead of limes, we’ve got you covered.

Our experienced in-house heavy motor assessors and claims handlers work efficiently to get you faster resolution on your claim. Live Assessment smartphone technology allows us to quickly assess vehicle damage without the need to be onsite, so we can organise repairs without the added delay.

Specialist products and services:
  • TOTAL Transport and Logistics: Our most comprehensive insurance package covers your total business: from driver well-being and family support, to mobile technology, consequential loss, and of course, the truck. We’ve thought of everything, and then some.
  • Ando Assist: Ando Assist provides our commercial transport customers with 24/7 accident scene assistance New Zealand wide. Services include; arranging vehicle recovery and tow, accident scene clean up, and liaising with the attending emergency services and applicable local bodies. Ando Assist also lodges your claim automatically and notifies the Ando Repair Manager of the incident.
We cover:
  • Business assets: covering the things that make your business run; your trucks and your equipment.
  • Loss of income: cover for lost earnings from your transport being off the road.
  • Carriers Liability: for damage to cargo in transit while in your care.
  • Freight Forwarders Liability: specialist liability protection for freight forwarders and NVOCC operators. This may include consequential loss exposure resulting from contracts of carriage or handling, including; waybills, bills of lading and/or trading conditions, as well as liability cover for accidental loss or damage to cargo incurred by a cargo owner or cargo bailee.
  • Directors & Officers Liability: cover for legal costs where an owner is held personally liable for damage or loss.
  • Statutory Liability: cover for legal costs and reparations for accidental violations of New Zealand statutes, including the Health & Safety at Work Act.

We work with New Zealand’s leading insurance brokers who specialise in organising transport and logistics insurance – speak with yours today to find out more about getting the right cover for your business.

Construction

We understand you operate in a complex and heavily legislated industry, with rigorous health and safety standards and ever-changing codes of compliance. Despite your best intentions, sometimes things go wrong and that’s why it’s important to have the right cover. At Ando, we can build our policies to the requirements of your contract, giving you the comprehensive protection you need to get on with the job.

Our dedicated claims team for our construction customers know how important your deadlines are, so we work quickly to get your claims processed and resolved. If your equipment is damaged or goes missing, our focus is always to organise a repair or replacement within 48 hours.

We cover:
  • Business assets: covers the tools of your trade and your equipment.
  • Contract works: cover to protect your investment during construction.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for the construction industry – speak with yours today to find out more about getting the right cover for you.

Hospitality

Restaurants | Cafés | On-licence venues | Caterers | Conference venues | Events

Whether you run a food truck, the local pub or a nationwide chain, we’ve got the cover your business needs. Despite all precautions, in your fast-paced industry, accidental damage does happen. We provide cover for accidents that could close your doors, such as power outages, fires, floods and damage to stock, so you can reopen as fast as possible.

With our comprehensive cover and speedy claims process, we can quickly organise the repairs or replacements you need, so you can turn up the heat and get back to business.

We cover:
  • Business assets: the things you need to run your business; your space and your equipment.
  • Loss of income: if you need to close for repairs; we provide cover for lost earnings.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for hospitality services – speak with yours today to find out more about getting the right cover for you.

Small businesses

Tradies | Hospitality | Professional Services | Retail | Manufacturing | Transport & Logistics | Construction

Small businesses are the backbone of New Zealand, making up 97% of all companies. When you’re the CEO, the salesperson and the accountant, your day never stops, and on top of it all, you need to make sure you have the right cover to protect your business. Ando specialises in cover for businesses like yours. We know you’re busy, so we’ve made our insurance products easy to understand and fast to claim on.

Our claims focus is speed, and by using innovative technology, we’re now processing claims faster than ever before, so you can get back to business sooner. Whether you’re in a trade, hospitality, professional services or any number of industries, we have the cover you need for your busy life.

We cover:
  • Business assets: the things you need to run your business; your space and your gear.
  • Loss of income: : if loss or damage means you can’t operate, we can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Transit cover: cover for damage or loss of your goods or materials in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for small businesses – speak with yours today to find out more about getting the right cover for you.

Manufacturing

Professional services

Accommodation

Manufacturing

Whether you’re making buttons for shirts or buttons for spaceships, if you manufacture from an industrial factory or a home studio, we can cover your business.

Our experienced underwriting team know that each manufacturing process is different, so we work with you to understand your business and build your cover to suit. That way, if anything breaks down the line, we know how best to help and can respond quickly. In the event of an accident or equipment failure, we know that getting your production line back up and running is your priority, so our expert claims team work around the clock to process your claim and organise a repair or replacement as soon as humanly possible.

We cover:
  • Business assets: the things you need to run your business; your space and your stock.
  • Loss of income: if you can’t make orders due to faulty equipment, we provide the cover you need.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Marine cargo: cover to protect your products and materials while they’re in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising manufacturing insurance – speak with yours today to find out more about getting the right cover for your business.

Professional services

Accountants | Architects | Engineers | Environmental | Event planners | Governing bodies | Trade associations | IT | Laboratories | Management consultants | Marketing consultants | Media | Municipalities | HR recruitment agencies | Schools | Training organisations | Signage designers

As a professional practitioner, we know that your reputation is everything, and one of the biggest risks you face is reputational damage. If any false allegations threaten to derail your business, we have the policies to cover any legal fees required to clear your name and keep you trading.

If you do need to make a claim, our specialist claims team will help you through the process, keeping you informed every step of the way.

We cover:
  • Liabilities: cover to protect your legal exposure.
    • Professional Indemnity
    • Directors & Officers
    • General Liability
  • Business assets: the things you need to run your business; your space and your gear.
  • Motor vehicles: cover for your work vehicles.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for professional services – speak with yours today to find out more about getting the right cover for you.

Accommodation

Hoteliers | Moteliers | Airbnb | Bnb | Backpackers

From backpackers to presidential suites, we’ve got comprehensive cover to protect your business. Sometimes your home and your business are one and the same, so we cover the rapidly growing Airbnb market, either under a business policy or your personal house policy.

Not all guests will treat your home like their own, and anything that’s not fastened down has been known to get up and walk off, so you need to be covered for damage and loss to your rooms and the furnishings within.

Ando’s experienced claims team work quickly to process your claims and organise repairs or replacements, so you can keep the bookings flowing and keep your beds full.

We cover:
  • Business assets: the things you need to run your business; your building, beds, furniture and equipment.
  • Loss of income: need to close a room or a floor for repairs? We can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for the accommodation sector – speak with yours today to find out more about getting the right cover for your business.


We have your business covered

Marine and transit

Marine and transit

When you’re shipping freight destined for distant shores, or moving trucks down the highway, we know that in transit, accidents can happen and you often carry risk. Keeping your business afloat means covering your cargo for everything – from minor damage caused by potholes and stormy seas, to loss from jettisoned containers or total loss from a truck fire.

Ando Marine and Transit organises comprehensive cover across all import and export industries and is heavily engaged in the freight and logistics sector. Our simple solutions for standard cargo risks can also be tailored to cover complex cargo, such as livestock, project cargo, and valuable or fragile products. We also offer market-leading protection for perishables and primary produce, so if you need to claim for spoilage or incorrect handling in transit, our expert team can assist.

Our specialist marine and transit claims team has over 60 years’ experience and go the extra (nautical) mile to get you sorted faster at claims time. We’ve built great cover solutions for some of New Zealand and the Pacific regions’ largest freight and logistics companies, who enjoy the added benefit of their policies being underwritten by the original marine insurers, Lloyd’s.

We cover:
  • Marine Cargo: covering damage to your own goods in the ordinary course of transit by road, rail, air and sea – locally and internationally.
  • Carriers Liability: covering carriers and transport operators' legal liability (pursuant to Part 5, Subpart 1 of the Contract and Commercial Law Act 2017), including standard cover for; Limited Carriers Risk, Declared Value, Declared Terms & Owners' Risk.
  • Freight Forwarders Liability: specialist liability protection for freight forwarders and NVOCC operators. This may include consequential loss exposure resulting from contracts of carriage or handling, including; waybills, bills of lading and/or trading conditions, as well as liability cover for accidental loss or damage to cargo incurred by a cargo owner or cargo bailee.

Ando Marine and Transit are members of the Maritime Law Association of Australia and New Zealand (MLANZ) and the Insurance Council of New Zealand Marine Committee (ICNZ). We participate in important industry training and conferences to stay at the forefront of developments in the local and global maritime insurance industry.

We work with New Zealand’s leading insurance brokers who specialise in organising marine and transit insurance – speak with yours today to find out more about getting the right cover for your business.

Commercial property investors

Commercial property investors

When your money is locked up in big investments, you need these assets to be earning you income at all times. If you can’t partially or fully lease out your building due to damage to your property, your income can dry up overnight. At Ando, we understand your urgency to get these matters resolved, and have the claims process to get your property earning again, as fast as possible.

For simple claims, our aim is to process your claim within 48 hours, and for complex situations, our specialist claims team is here to help you through the process, keeping you informed every step of the way.

Whether you own one office or a multiplex empire, Ando has the right cover for you and can get your policy organised fast, so you can get on with the other things in life.

We cover:
  • Business assets: your buildings.
  • Loss of income: if loss or damage means you can’t lease your space, we can cover that.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for commercial property investors – speak with yours today to find out more about getting the right cover for you.

Tradies

Tradies

Builders | Plumbers | Sparkies | Carpenters | Painters | Plasterers | Landscapers

When you work in a trade your tools are your lifeline, so if anything goes missing you need it replaced as fast as possible. With a big list of jobs to get on with, any delays can see you out of pocket. That’s why at Ando, we have a very simple claims focus – to get you a cash payment or repair/replacement plan within 48 hours. If 48 hours isn’t possible due to claim complexity, we’ll tell you why and do it as fast as humanly possible.

The cover you require can differ from contract to contract, and it’s not always clear what you need before arriving onsite. Whether you need $2million of cover or $10million, Ando has the right product for your business and can get your policy organised fast, so you can get on with the job.

We cover:
  • Business assets: covers the tools of your trade and your equipment.
  • Loss of income: if loss or damage means you can’t operate, we can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure for accidental injury or damage to someone else’s property while you’re working.
  • Transit cover: cover for damage or loss of materials and supplies in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for tradies – speak with yours today to find out more about getting the right cover for you.

You call a spade a spade and should expect the same from your insurer. We’re here to make insurance less complex and more transparent.

Retail

Retail

When your business relies on the sale of goods, damage to or loss of stock from theft, fire or floods can be devastating. Getting back on your feet isn’t as simple as sweeping up, reordering products and reopening the next day, so you need comprehensive protection to not only cover your assets but also to cover your lost income until your business can reopen.

At Ando, our experienced and expert claims team have a very simple focus – to get you a cash payment or repair/replacement plan within 48 hours. If 48 hours isn’t possible due to the complexity of the claim, we’ll tell you why and do it as fast as humanly possible.

We cover:
  • Business assets: the things you need to run your business; your space and your stock.
  • Loss of income: if loss or damage means you need to close, we provide cover for lost earnings.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for retailers – speak with yours today to find out more about getting the right cover for you.

Transport and Logistics

Transport and logistics

Trucking fleets | Line haul operations | Couriers

Time is money, and the clock never stops, even if your truck does. That’s why our number one priority is the same as yours – getting your business back on the road, fast. We offer cover options for a range of operations, whether you have a fleet of one or one-thousand.

We know that our logistics customers have a job on their hands coordinating goods from A to B (often via C and D), so should your container end up in Kaikoura instead of Kaitaia, carrying lemons instead of limes, we’ve got you covered.

Our experienced in-house heavy motor assessors and claims handlers work efficiently to get you faster resolution on your claim. Live Assessment smartphone technology allows us to quickly assess vehicle damage without the need to be onsite, so we can organise repairs without the added delay.

Specialist products and services:
  • TOTAL Transport and Logistics: Our most comprehensive insurance package covers your total business: from driver well-being and family support, to mobile technology, consequential loss, and of course, the truck. We’ve thought of everything, and then some.
  • Ando Assist: Ando Assist provides our commercial transport customers with 24/7 accident scene assistance New Zealand wide. Services include; arranging vehicle recovery and tow, accident scene clean up, and liaising with the attending emergency services and applicable local bodies. Ando Assist also lodges your claim automatically and notifies the Ando Repair Manager of the incident.
We cover:
  • Business assets: covering the things that make your business run; your trucks and your equipment.
  • Loss of income: cover for lost earnings from your transport being off the road.
  • Carriers Liability: for damage to cargo in transit while in your care.
  • Freight Forwarders Liability: specialist liability protection for freight forwarders and NVOCC operators. This may include consequential loss exposure resulting from contracts of carriage or handling, including; waybills, bills of lading and/or trading conditions, as well as liability cover for accidental loss or damage to cargo incurred by a cargo owner or cargo bailee.
  • Directors & Officers Liability: cover for legal costs where an owner is held personally liable for damage or loss.
  • Statutory Liability: cover for legal costs and reparations for accidental violations of New Zealand statutes, including the Health & Safety at Work Act.

We work with New Zealand’s leading insurance brokers who specialise in organising transport and logistics insurance – speak with yours today to find out more about getting the right cover for your business.

Construction

Construction

We understand you operate in a complex and heavily legislated industry, with rigorous health and safety standards and ever-changing codes of compliance. Despite your best intentions, sometimes things go wrong and that’s why it’s important to have the right cover. At Ando, we can build our policies to the requirements of your contract, giving you the comprehensive protection you need to get on with the job.

Our dedicated claims team for our construction customers know how important your deadlines are, so we work quickly to get your claims processed and resolved. If your equipment is damaged or goes missing, our focus is always to organise a repair or replacement within 48 hours.

We cover:
  • Business assets: covers the tools of your trade and your equipment.
  • Contract works: cover to protect your investment during construction.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for the construction industry – speak with yours today to find out more about getting the right cover for you.

Hospitality

Hospitality

Restaurants | Cafés | On-licence venues | Caterers | Conference venues | Events

Whether you run a food truck, the local pub or a nationwide chain, we’ve got the cover your business needs. Despite all precautions, in your fast-paced industry, accidental damage does happen. We provide cover for accidents that could close your doors, such as power outages, fires, floods and damage to stock, so you can reopen as fast as possible.

With our comprehensive cover and speedy claims process, we can quickly organise the repairs or replacements you need, so you can turn up the heat and get back to business.

We cover:
  • Business assets: the things you need to run your business; your space and your equipment.
  • Loss of income: if you need to close for repairs; we provide cover for lost earnings.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.
  • Motor vehicles: cover for your work vehicles.
  • Liability: cover to protect your legal exposure.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for hospitality services – speak with yours today to find out more about getting the right cover for you.

Small business

Small businesses

Tradies | Hospitality | Professional Services | Retail | Manufacturing | Transport & Logistics | Construction

Small businesses are the backbone of New Zealand, making up 97% of all companies. When you’re the CEO, the salesperson and the accountant, your day never stops, and on top of it all, you need to make sure you have the right cover to protect your business. Ando specialises in cover for businesses like yours. We know you’re busy, so we’ve made our insurance products easy to understand and fast to claim on.

Our claims focus is speed, and by using innovative technology, we’re now processing claims faster than ever before, so you can get back to business sooner. Whether you’re in a trade, hospitality, professional services or any number of industries, we have the cover you need for your busy life.

We cover:
  • Business assets: the things you need to run your business; your space and your gear.
  • Loss of income: : if loss or damage means you can’t operate, we can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Transit cover: cover for damage or loss of your goods or materials in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for small businesses – speak with yours today to find out more about getting the right cover for you.

Manufacturing

Manufacturing

Whether you’re making buttons for shirts or buttons for spaceships, if you manufacture from an industrial factory or a home studio, we can cover your business.

Our experienced underwriting team know that each manufacturing process is different, so we work with you to understand your business and build your cover to suit. That way, if anything breaks down the line, we know how best to help and can respond quickly. In the event of an accident or equipment failure, we know that getting your production line back up and running is your priority, so our expert claims team work around the clock to process your claim and organise a repair or replacement as soon as humanly possible.

We cover:
  • Business assets: the things you need to run your business; your space and your stock.
  • Loss of income: if you can’t make orders due to faulty equipment, we provide the cover you need.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Marine cargo: cover to protect your products and materials while they’re in transit.

We work with New Zealand’s leading insurance brokers who specialise in organising manufacturing insurance – speak with yours today to find out more about getting the right cover for your business.

Professional services

Professional services

Accountants | Architects | Engineers | Environmental | Event planners | Governing bodies | Trade associations | IT | Laboratories | Management consultants | Marketing consultants | Media | Municipalities | HR recruitment agencies | Schools | Training organisations | Signage designers

As a professional practitioner, we know that your reputation is everything, and one of the biggest risks you face is reputational damage. If any false allegations threaten to derail your business, we have the policies to cover any legal fees required to clear your name and keep you trading.

If you do need to make a claim, our specialist claims team will help you through the process, keeping you informed every step of the way.

We cover:
  • Liabilities: cover to protect your legal exposure.
    • Professional Indemnity
    • Directors & Officers
    • General Liability
  • Business assets: the things you need to run your business; your space and your gear.
  • Motor vehicles: cover for your work vehicles.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for professional services – speak with yours today to find out more about getting the right cover for you.

Accommodation

Accommodation

Hoteliers | Moteliers | Airbnb | Bnb | Backpackers

From backpackers to presidential suites, we’ve got comprehensive cover to protect your business. Sometimes your home and your business are one and the same, so we cover the rapidly growing Airbnb market, either under a business policy or your personal house policy.

Not all guests will treat your home like their own, and anything that’s not fastened down has been known to get up and walk off, so you need to be covered for damage and loss to your rooms and the furnishings within.

Ando’s experienced claims team work quickly to process your claims and organise repairs or replacements, so you can keep the bookings flowing and keep your beds full.

We cover:
  • Business assets: the things you need to run your business; your building, beds, furniture and equipment.
  • Loss of income: need to close a room or a floor for repairs? We can cover that.
  • Motor vehicles: cover for your work vehicles.
  • Liabilities: cover to protect your legal exposure.
  • Employment disputes: protection against certain employment disputes such as a personal grievance.

We work with New Zealand’s leading insurance brokers who specialise in organising insurance for the accommodation sector – speak with yours today to find out more about getting the right cover for your business.

  • We believe insurance should be less complex, less stressful and more transparent. Simply put, we want New Zealanders to expect more of their insurers.

Personal insurance

Need more protection? Ando offers a range of cover options for your four walls, your four wheels and the things that matter to you.

Find out more

House

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