AA Business Insurance

For over two and a half decades, AA has been passionately safeguarding New Zealanders with tailored, comprehensive insurance solutions.

The company's unwavering commitment to its customers, coupled with its ability to deliver competitive and adaptable coverage, has firmly established it as a respected entity within the insurance industry. 

Renowned for excellence

AA’s unwavering dedication to customer satisfaction has been consistently recognised through a multitude of prestigious awards. Since 2011, the New Zealand public has continuously acknowledged AA as the "Most Trusted General Insurer" according to the esteemed Reader's Digest survey. Their unwavering commitment to providing top-notch service has earned them the Quality Service Awards for car insurance, a recognition bestowed upon them since 2015 by Reader's Digest.

Impressive track record

Operating as an independent partnership between the New Zealand Automobile Association (NZAA) and Vero Insurance New Zealand Limited (VINZL), AA Insurance has garnered widespread acclaim for its profound expertise in home, contents, and car insurance. In 2018, they further expanded their offerings to encompass commercial small business insurance, thus demonstrating their versatility and adaptability in catering to the diverse needs of their clients.

With a substantial customer base of over 480,000 and an impressive 970,000 policies, AA prides itself on underwriting its policies and directly catering to the New Zealand market. This direct approach enables them to deliver a personalised and efficient service experience to their esteemed clientele.

Values that pave the way

At the heart of AA’s business insurance lies a clear sense of purpose and a set of values that guide their actions. By prioritising customer care, providing assistance, and resolving issues promptly, AA believes that every other aspect of its business naturally falls into place. Their genuine values are not only evident in their corporate culture but also in the genuine passion their employees have for making a positive impact on their customers' lives.

A rich history of advancement

AA's remarkable expansion can be attributed to its inception in 1994 through a collaborative effort between GIO Australia and the New Zealand Automobile Association. Over time, the company forged influential partnerships with industry leaders such as Royal & Sun Alliance (later Promina) and Suncorp Group, solidifying its position as a prominent player within the insurance sector.

A commitment to social responsibility

AA goes beyond its role as an insurance provider by actively engaging in initiatives that benefit you, your communities, and the environment. The company recently published its Corporate Social Responsibility Report, providing insight into the meaningful contributions they make in various spheres.

Choose AA business insurance for peace of mind

When it comes to insurance solutions, AA distinguishes itself through its unwavering commitment to customer-centricity and its relentless pursuit of excellence. The company's impressive track record, an extensive array of accolades, and robust financial strength rating from Standard and Poor's (Australia) Pty Ltd underscore its reliability and trustworthiness.

Whether it's car insurance, home and contents coverage, or commercial small business insurance, AA offers flexible options that are tailored to meet your individual needs. With a team of dedicated customer managers who streamline the claims process, AA ensures a stress-free experience. Their passion for protecting what matters most to New Zealanders is evident in every aspect of their operations.

Embracing innovation

As technology continues to advance, AA remains at the forefront, utilising innovative solutions to enhance its services. Their digital platforms provide you with convenient access to policy information, claims management, and personalised assistance. By embracing cutting-edge technology, they strive to continuously improve the customer experience and stay ahead in an ever-evolving industry.

Their longstanding reputation, commitment to customer satisfaction, and dedication to social responsibility make them the trusted choice for insurance needs in New Zealand. With their comprehensive coverage, personalised service, and unwavering values, AA Insurance delivers peace of mind and protection to individuals, families, and businesses across the country.

In the bustling economy of New Zealand, small businesses play a pivotal role.

Recognising their significance, AA business insurance offers cover tailored specifically for small business owners. This insurance offering provides honest, flexible coverage that can be customised to meet the unique needs of your business.

Public and products liability insurance: Shielding your business 

Under this cover, small business owners receive coverage for their legal liability in case of property damage or injury caused by their business activities. In the unfortunate event of being found legally liable, AA business insurance will cover the damages awarded, up to the policy limit. If the policyholder needs to appear in court as a witness, a compensation of $250 per day, up to a total of $7,500, will be provided.

Comprehensive commercial vehicle insurance: Safeguarding your wheels

A cover that offers three levels of coverage: comprehensive, third party, fire & theft. Accidental damages to the insured vehicle or damage caused to another party's property up to $20 million are covered. The policy also includes up to $20,000 for towing, road clearing, and load recovery. Transport and accommodation expenses are also covered up to $5,000 in case the vehicle becomes inoperable. Even the hiring of a replacement vehicle after the theft is covered for up to a total of $3,000.

Business contents and stock insurance: Protecting your assets

This insurance provides coverage for loss or damage to the contents and stock usually stored at the business premises. It's important to note that items like phones, laptops, and tools carried offsite are not covered under this policy. In the case of loss or damage during transit, the policy covers up to $5,000 per event. If an employee damages their personal possessions during work, coverage of up to $5,000 per employee is provided. Business money is covered up to $10,000 and software restoration is covered up to $50,000 per incident.

Portable contents and stock insurance: Coverage on the go

For contents and stock carried on the go, such as phones, laptops, and tools, portable contents and stock insurance offer the necessary protection. This policy covers employee possessions damaged during work up to $5,000, covers theft of business money with violence or threat of violence up to $1,000, and provides coverage for software damage and expediting costs up to $50,000.

Statutory liability insurance: Assurance against accidental breaches

This protects against unintentional breaches of New Zealand laws. It covers defence costs and fines resulting from such breaches. If found liable, AA will cover the fines up to the policy limit. Acquittal is supported, wherein any defence costs already paid by you will be reimbursed.

Employers liability insurance: Ensuring employee well-being

Employers' liability insurance covers defence costs and legal liability for employee personal injuries at work. If you’re found legally liable for such injuries, AA will cover the awarded damages. Similar to statutory liability insurance, this policy also offers advancement of defence costs and extends coverage for defence costs under specific circumstances.

Back in business insurance: Restoring business continuity

This cover comes into play when accidental damage disrupts business operations. It provides coverage for the reduction of business income and increased cost of working during repairs. The policy also covers the reinstatement of damaged business records and claim preparation costs.

Employee theft insurance: Recovering from internal losses

There’s coverage for the physical theft of money or property by employees. If an employee steals from the business, AA will cover the loss up to the sum insured. The policy also extends coverage to theft committed by ex-employees within 30 days after termination. It covers theft from social or sporting clubs benefiting the employees.

Equipment breakdown insurance & deterioration of stock insurance

In case of breakdowns in refrigeration machinery at the business premises, equipment breakdown insurance provides coverage for immediate repair or replacement costs up to $1,000. Deterioration of stock insurance offers coverage for chilled or frozen stock damaged due to refrigeration machinery stoppage or malfunction.