Cactus Insurance
- Comprehensive Cover
- Easy Claims Process
- Affordable Premiums
Table of Contents
[Accessed August 23, 2023]
About Cactus
Cactus is a game changer for Kiwi businesses, revolutionising the commercial insurance industry.
Founded in 2017, they have a mission to protect and properly cover Kiwi businesses without the inconvenience of paperwork and jargon. They understand the needs of small businesses and offer insurance packages for each industry.
With responsible advisors and partnerships with other organisations, the company goes beyond insurance by providing you with additional benefits. They’re the no-nonsense brokers who simplify the business insurance process and ensure a personalised experience.
The resounding success story of Cactus
In 2018, Cactus was launched with a focus on providing insurance for tradies, and it quickly became a resounding success. In 2019, word started spreading about the start-up, as customers were thrilled to finally have an insurer that listened to their needs.
In 2020, when the COVID pandemic hit hard, the company stood strong and supported Kiwi enterprises when they needed it the most. Despite the challenges, they expanded their team, further solidifying their position in the industry.
This insurer has a strong track record of providing reliable coverage, with a total of almost $5 million paid out in claims since 2018. Vehicle claims account for just under $2 million of those payouts, while liability claims amount to just over $500. About $1.5 million has been paid out in claims related to tools and property.
Cactus partnerships deliver accounting, loan vehicles, and more
To simplify health and safety, Cactus has joined forces with HazardCo, providing digital tools to keep your crew and business safe while cutting down on administrative time. They also offer GPS tracking and fleet management through Fleetpin, making it easy to manage teams, vehicles and assets.
For tool protection, their friends at Hoist developed a handy app that lets you record and track all your tools and find them if they go missing. Their partnership with Haven provides accounting services starting at $40. In case of a crash, Cactus alongside Acorn offer a complimentary loan vehicle for those not at fault.
When it comes to vehicle financing and leasing, this company recommends Driveline, experts in finding the best deals for tradies. For top-notch workwear, Cactus suggests checking out Syzmik, offering workwear that’s tougher and better fitting.
Cactus Services
Cactus business insurance has you covered when it comes to protecting your business contents and stock.
They understand that your business contents are vital, so in case of any mishaps, they ensure that they’re repaired or replaced promptly. Whether you need coverage for tools, buildings, signs, exterior fittings, stock, materials, plant, machinery, equipment portable electronic devices, takings, wages, employee effects and software.
Cactus business insurance offers comprehensive coverage under their business interruption cover. In the unfortunate event that your business assets are damaged, and you're unable to trade, they ensure a swift recovery. They also help minimise the financial impact on your business and provide the necessary funds to maintain your income stream.
You’re covered for various aspects including
- Loss of profit
- Loss of rental income
- Payroll
- Additional expenses like temporary premises
- Financial obligations to shareholders and staff
- Expenses incurred in quantifying your claim
Get business car insurance without expensive damage costs
Cactus business insurance provides reliable coverage under their business vehicle cover. They understand the importance of your vehicles for your business operations. In the event of an accident, this organisation ensures that you quickly recover without incurring expensive damage costs.
Whether it's your business car, ute, van, or truck that’s damaged or stolen.
Their coverage includes
- Windscreen
- Sunroof
- Window repairs with no excess
- Sign writing
- Lost load
- Personal property
- Damages or defence costs
- Employee's vehicles
- Accidental death
- New vehicle replacement
- Transport and towing expenses
Cactus – Business insurance
- Product Business Insurance
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Damaged Assets
Swift recovery and financial support for damaged assets.
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Tailored Policies
Tailored policies for specific business needs.
Benefits of Cactus
- Revolutionising the commercial insurance industry since 2017
- Industry-specific insurance packages for small businesses
- Strong track record with over $4.9 million paid in claims since 2018
- Partnerships for health and safety, GPS tracking, and more
- Comprehensive coverage for business contents, assets, and vehicles
- Customised solutions for various industries
How to fill in a Cactus business car insurance claim form
The claim form gathers all the necessary details to ensure a smooth and efficient resolution. The form begins by requesting information about the policyholder, whether it’s a company or an individual, to ensure accurate identification.
You’re required to provide your contact details, including your title, first and last name, mobile number, work phone, and email address. You’ll be asked to specify your role in the claim process. The form delves into the policy details, such as the policy number and period, including the start and end dates.
It also requires information regarding the limit of indemnity and the excess amount. The business car insurance claim form includes a crucial question about the involvement of a third party, giving the option to select "Yes" or "No" as a required response.
Cactus puts your needs at the core of their well-documented process
Managing conflicts of interest is a top priority at Cactus. They have a well-documented process that places your needs at the core of their advice. They’re transparent about any commission or fees they may receive from their recommendations, providing full disclosure.
If their suggestion involves replacing your current cover, they’ll offer a comparison of options and explain the benefits. They’ll inform you of any aspects covered by your existing provider through a detailed research report.
Your information is protected and not shared without your consent
Cactus values your privacy and is committed to using your personal information responsibly. They collect and securely hold the information you provide to them for various purposes, including personal and commercial fire as well as general insurance.
They assess your eligibility for the financial services you seek and inform you about relevant products and services. Cactus utilises your information for quality control services, managing complaints, and fulfilling regulatory obligations, which may involve monitoring by trusted third-party service providers.
Your information will be protected and not shared without your written consent. As a valued customer, you have the right to access and correct any personal information held, both now and in the future.
Customised business insurance solutions for every industry
Cactus offers coverage for businesses in various industries, including construction and trades, commercial property, hospitality, retail, shipping and logistics, manufacturing, and marine and transit.
For those working in the construction and trades industry, where tools are vital, the entity understands the urgency of replacing lost or damaged equipment. They provide coverage for business assets, contract works, loss of income, liabilities, transit cover and business car insurance.
Whether you need coverage for a small team or a large workforce, this organisation can tailor a policy, ranging from $2 million to $10 million. Their efficient services ensure you can focus on your job while they handle your insurance requirements.
Cactus Contact
Physical Address
- 22 Dundonald Street Eden Terrace Auckland 1021 New Zealand
- Get Directions
Opening Hours
- Monday 08:30 – 17:30
- Tuesday 08:30 – 17:30
- Wednesday 08:30 – 17:30
- Thursday 08:30 – 17:30
- Friday 08:30 – 17:30
- Saturday – Closed
- Sunday – Closed