Aged Care Services

With over 160 years’ experience providing insurance to many businesses in New Zealand, we can provide the right support for retirement villages or rest homes of all sizes.  You’ll get insurance that cares for you, your workers, assets and business.  Ready to get your cover set up?

Find a broker

Why NZI for your Aged Care Services insurance?

We don't believe in a 'one size fits all' approach. We get to know what matters most to you, so we can provide the right cover and support.

  • Expert risk management advice
  • Cover for developments; from planning through to completion
  • Right cover for the right price
  • Wide range of cover
  • Proven experience in insuring Aged Care providers
  • Strong claims service to assist you

Cover options for aged-care services

Material Damage

This cover assists you to replace or repair stolen or damaged property, including specialist healthcare equipment.

Business Interruption

Covers loss of revenue, profit, or rents due to damage to the insured property. The policy helps protect you from financial loss and keeps your business moving.

Construction

Our policies offer wide-reaching cover that will help to keep you protected, so you can get on with the job at hand.

Learn more

Liability cover

Liability insurance policies can cover your negligence, the legal defence and investigation costs associated with the damage of another person’s property, or personal injury, or the legal costs of most unintentional breaches of New Zealand law.

Learn more

Cyber

The business world is rapidly increasing its dependence on digital technology. Just as you would ensure you’re covered for your physical business assets, buildings and liabilities - any business ought to think about protecting itself from potential cyber threats.

Learn more

How can you get NZI insurance for your business?

Our network of brokers will work with you to find out what insurance your business needs and create a bespoke solution to suit you.

Chat to a broker
NZI customer story

Ryman Healthcare: a longstanding partnership

Ryman Healthcare is an industry leader in New Zealand for aged care.  NZI is proud to be able to support Ryman Healthcare.

See how NZI have helped this business as it has grown.

Frequently asked questions

What does the term ‘Sum Insured’ mean?

Your ‘Sum Insured’ is the total cost of replacing everything insured under your policy. As the policy holder you decide on the amount of your Sum Insured. It is important to consider that the costs to replace assets can increase over time, so you want to ensure your Sum Insured amount is regularly reviewed to reflect this.

Within the Aged Care industry, what risks do I need to be aware of?

It’s important to consider and manage the following risk areas:

  • Fire safety
  • Security
  • Health and safety
  • Telecommunications and IT systems
  • Electrical safety
  • General housekeeping (maintenance, cleaning etc)
  • Smoking on-site
  • Waste management
  • Environmental hazardous substances
  • Deep fryer cooking (if applicable)

For more information check out our Risk Management Guide or talk to a broker.

What do I need to consider as part of a major loss?

The cost of a major loss incident is not only the direct loss or damage, but also the time spent dealing with the aftermath. A loss can cause disruption to work schedules, loss of income as well as impacts on your business reputation. You may face demolition, consent, relocation and temporary make safe costs, as well as rebuild fees.

What could affect my premium?

  1. Environmental events
  2. Security protection
  3. Fire protection

How to determine the level of risk in your business

We recommend you start by analysing your business and listing known risks, it can help to consider:

  • What would be the worst thing that could happen to your business?
  • How likely is it to happen?
  • How would it affect your staff, customers, suppliers, property, IT systems and processes?
  • How would you cope?
  • Is there anything you can do to prevent or minimise the risk of it happening?
  • How much can you afford to lose if you can’t run your business for hours/days/weeks/months?

For more information check out our Risk Management Guide.

We cover a wide range of industries

NZI provides insurance options for a wide range of industries and businesses. Ask your broker about what NZI can do for you.

Contact a broker