Business
Supporting local businesses with practical, flexible protection.
At Commercial and Rural Insurance Brokers, we’re not just insurance brokers — we’re part of the Central Otago community. Our team brings local knowledge, industry expertise, and a genuine commitment to helping rural clients thrive.
Central Otago is home to a vibrant mix of small businesses - from boutique retail and hospitality to trades, tourism, and professional services. These businesses are the lifeblood of our towns and communities, built on hard work, relationships, and resilience. At Commercial and Rural Insurance Brokers, we understand the challenges and opportunities that come with running a business in this region. That’s why we offer tailored business insurance solutions designed to protect your operations, your people, and your future. Business insurance is a flexible suite of cover options that help protect your enterprise from financial loss due to unexpected events. Whether you're a sole trader, a family-run operation, or a growing company, business insurance can be shaped to suit your size, industry, and risk profile.
We know that every business has its own story - and its own risks. Our team works closely with local business owners across Central Otago to deliver insurance solutions that are practical, personal, and proactive.
Let’s secure the right insurance for your business so you can focus on what you do best.
Tailored insurance to support your business through every challenge.
Business insurance can cover a wide range of risks, including:
Property and assets — protection for your premises, stock, equipment, and tools.
Business interruption — cover for lost income if your operations are disrupted.
Public and product liability — protection if someone is injured or property is damaged due to your business activities.
Cyber and data risks — coverage for digital threats, breaches, and recovery costs.
Employee cover — including statutory liability and workplace injury protection.
Whether it’s a fire, a break‑in, a legal claim, or a cyber incident, business insurance helps ensure you’re not left exposed.
A well‑structured business insurance policy gives you confidence to operate, grow, and adapt. With the right cover in place, you can:
Recover quickly from disruptions.
Protect your income and reputation.
Meet legal and contractual obligations.
At Commercial and Rural Insurance Brokers, we’re more than just advisors — we’re partners in your success.
Here’s how we help:
We listen first. We take the time to understand your business model, your goals, and your pain points.
We tailor your cover. From retail to trades to tourism, we build policies that reflect your actual risks — not generic templates.
We advocate for you. If you need to make a claim, we’re right there with you — helping you navigate the process and get fair outcomes.
We stay connected. As your business evolves, we’re here to review and adjust your cover so it keeps pace with your growth.