State Business Insurance

State has been committed to securing the dreams and goals of New Zealanders for over a century.

Their focus on good customer service has ensured that they’ve become the insurance provider of choice for almost half a million Kiwis.  

Protecting what truly matters: Customer-centric approach

They recognise that what matters most to you extends beyond physical possessions such as houses and cars. Your most cherished things are your families and their livelihoods. At State, they strive to protect what is important to you.

What sets them apart from other insurance providers is their commitment to keeping you and your business at the centre of everything they do. They pride themselves on their customer-focused approach. This commitment is not limited to their interactions with you but also to their internal operations, ensuring that their company culture aligns with their values.

Unmatched financial strength: Your assurance of security

IAG New Zealand Limited (IAG) operates State business insurance. They hold a prominent position in the insurance industry. Their primary aim is to offer financial security and future planning, dedicatedly striving to create a safer world for you.

The rating of AA in financial strength- awarded to them by Standard & Poor's (Australia) Pty Ltd is a testament to their unwavering commitment to customer satisfaction. This rating reflects their exceptional ability to fulfil claims and provides you with a strong sense of security and peace of mind regarding their insurance protection.

As an associate of the Insurance Council of New Zealand (ICNZ), State adheres to the ICNZ code of fair insurance practices, further demonstrating the company’s ethos of ethical and responsible practices in the industry.

State takes pride in its involvement in the Flybuys program. Being the sole general insurance organisation to offer Flybuys rewards, they grant Flybuys points for every $25 of premium paid on State policies. This grants you the freedom to select your preferred mode of reward, whether it entails utilising the Flybuys store for discounts on extra fuel or saving money on office supplies.

Embracing diversity, celebrating uniqueness: Their inclusive culture

They believe in the power of diversity and inclusivity. By embracing the Rainbow Tick program, they foster an environment where everyone can be true to themselves and feel a sense of belonging. Their diverse workforce and perspectives enable them to better understand your needs and provide exceptional service.

State value the trust you place in them and aim to exceed your expectations every step of the way. Whether you're seeking insurance protection, personalised service, or rewards for your loyalty, they’re there to assist you on your insurance journey.

State understands that running a business comes with its own set of risks and uncertainties.

That's why they’re there to provide you with comprehensive insurance solutions designed specifically to safeguard your business interests. With their range of insurance plans and products, they aim to offer you the peace of mind you deserve, allowing you to focus on what matters most: growing your business.

State business insurance cover plans and products

With State business insurance you can choose from a range of insurance products to personalise your policy to your specific business needs.

• Business liability - Provides cover for accidental damage to someone else's property or injury to another person, ensuring that your business is protected against potential legal liabilities.
• Business vehicle - Offers full protection for your business vehicles, covering accidental damage, and theft, and providing liability protection for bodily injury or property damage caused by their use.
• Business assets - Safeguards your tools, stock, and owned buildings against accidental damage through Material damage and Mobile Business Assets insurance policies, ensuring that your valuable assets are protected from unexpected events.
• Business interruption - Assists in recovering lost profits due to covered losses under the Material Damage insurance policy. It provides financial support during business interruptions, enabling you to get back on track swiftly.
• Contract works - Provides insurance coverage for construction projects, ensuring protection during the construction phase against potential risks and unforeseen events.
• Farm insurance - Specifically designed for farmers, this insurance offers comprehensive coverage for farms, protecting assets such as livestock, buildings, and machinery against risks inherent to agricultural operations.
• Machinery breakdown - Covers the cost of repairing or replacing machinery and equipment in the event of breakdown, minimising financial losses and ensuring business continuity.
• Transit insurance Protects your goods and property during transportation, offering coverage against damage or loss while in transit, ensuring that your assets reach their destination safely and securely.
• Stock deterioration - Provides coverage against financial losses resulting from the deterioration or damage of perishable stock, securing your investment in case of refrigeration failures, power outages, or other unforeseen circumstances.

State is committed to helping businesses like yours thrive by offering a comprehensive range of insurance plans and products tailored to your specific needs. With their insurance solutions, you can protect your business from potential risks and uncertainties.