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Business Insurance

Running your own business is one of the most rewarding jobs, and to support all your hard work it's important to have the right insurance in place to cover you if something was to happen to you or a key person.

Business insurance options at a glance
Business insurance options at a glance

Key Person Start Up Cover

We'll pay you a monthly benefit to compensate for any business losses

Life Cover

Lump sum payout if a key person dies or is diagnosed with a terminal illness

Business Assurance

Our master policy with a range of insurance options

Trauma Cover

We'll pay you a lump sum if you or a key person suffers from a defined serious illness

Agribusiness Extra

Specifically designed for those in the agricultural sector

Business Overheads Cover

Monthly payments to cover business overheads if you're unable to work

Get in touch with us
Get in touch with us

Our contact directory makes it easy to get in touch with the right team, when you need them.

What else do I need to know?
What else do I need to know?

You're covered for any Illness or Injury that happens almost anywhere in the world but you have to be living and working in New Zealand to buy this cover. Please see the exclusions in the Policy Wording for countries that aren't covered.

The premiums you pay for Chubb Life Income Protection may be tax deductible. You'll need to check with the IRD or your accountant.

Yes, we won't pay a claim arising directly or indirectly from:

  • a Pre-existing Medical Condition
  • a Mental Illness
  • any intentional self-inflicted injury, whether sane or insane
  • pregnancy, giving birth, miscarrying or having a pregnancy terminated, unless you are Unable to Work for more than three months after the pregnancy ends, in which case benefits will be paid from this point on
  • participation in, or training for, speed contests or any professional sport
  • engaging in, preparing for or travelling to and from the site where the activity is to take place for any of the following activities: Aerial activities other than as a fare paying passenger in an aircraft licensed to carry passengers on a recognised and regular airline, base jumping, black water rafting, boxing, bungy jumping, canyoning, caving or pot holing, diving, mountaineering, outdoor climbing, hunting, motor sports (types on land or water) or trans ocean racing.
  • War or any act of War, invasion, Terrorism or any act of Terrorism, act of foreign enemy, hostilities, strike, riot and/or civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power
  • drug use (unless the drugs were prescribed and taken as prescribed by a Registered Doctor)
  • your participation in a criminal act (which includes driving with excess blood alcohol levels)
  • your travel to a country which is classed as extreme risk (meaning it is classified as a 'Do Not Travel' country) by the New Zealand Ministry of Foreign Affairs and Trade (MFAT) or its successor, during the time you are in that country (A full explanation of these classifications and a list of countries can be found at
  • any condition which is, or results from, or is a complication of, infection with Human Immunodeficiency Virus (HIV), or any variance including Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC); unless it results from Medically Acquired or Occupationally Acquired HIV

Please read the Policy Wording for full terms, conditions and exclusions.

We’re continuing to accept applications for policies, but in light of the medical and financial impacts that COVID-19 is likely to have, we’ve made some changes to how we assess applications for underwritten products, such as Life Cover or Income Protection.

There may be heightened risk for applicants with certain occupations, employment status and underlying medical conditions. So we need to take these risks into account before we issue new policies.

In light of the impact that COVID-19 is likely to have on the economy, we’ve made some changes to how we deal with income protection cover. Our current priority is assessing applications for people working in an essential business as defined by the NZ Government. Those not working in essential business will be given individual consideration.


Chubb Life offers Term Life Insurance policies, which means a policy is automatically renewed every 12 months and can be cancelled at any time.

A Life Insurance policy will be cancelled by the insurer if:

  • the Life Cover Amount is paid in full, ie a claim is paid out
  • the Policyholder asks to cancel the policy
  • a Terminal Illness Benefit or Critical Illness Benefit is paid and is equal to the Life Cover Amount
  • the policy’s premiums are unpaid for three months

You can cancel your policy at any time by contacting us on . We have a 30 day free look period so if you decide within 30 days it's not for you we'll refund your premiums no questions asked.

If it's after the 30 day free look period, we won't refund any premiums paid.

We can take care of your personal life too

Including life, travel, income and funeral cover

Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit