Expert Business Insurance Brokers in Palmerston North, NZ

Servicing Wellington, Kapiti, and Masterton

Futurisk General Insurance Limited are members of the Steadfast Group, one of the largest insurance broker networks in Australasia. 

Unlike when you deal with a single insurer, our relationship with a range of insurance underwriters throughout New Zealand enables us to offer you a range of options in a number of commercial areas for everything from property insurance to marine cargo insurance to liability insurance

We offer specialised schemes for the Restaurant & Hospitality sector and Childcare .

Futurisk General Insurance can take care of your personal insurance needs such as home and contents insurance, pet insurance, travel insurance, or motor vehicle insurance.

Commercial Insurance Options

Business Assets: Provides physical property protection for all assets:

  • Buildings
  • Contents
  • Plant and Equipment
  • Stock
  • Tools of trade

 We also cover accidental physical loss or damage including fire, burglary, theft, flood or natural disaster.

Business Interruption Insurance: Covers you against the actual loss of business income, following a property damage claim while you restore your business back to its functioning state.  Business Interruption Insurance may also cover additional expenses to help keep your business running, lost rental income, wages and/or salaries.

Commercial Motor Vehicles: We can offer cover for your business and commercial vehicles.

  • Full comprehensive cover
  • Third party fire and theft cover
  • Third party only cover

Public Liability: Covering your legal liability and the costs of defence for damage  to third party property or personal injury as a result of your negligence.

Professional Indemnity: Covering your legal liability arising from a breach of professional duty or negligence; omissions in advice or designs you provide which results in a financial loss to a third party. Professional Indemnity Insurance includes legal costs incurred in the defence and investigation of a professional indemnity claim.

Statutory Liability: Covering unintentional breaches of statutory acts including legal defence costs, reparation costs and in some cases fines.  Fines under the Health & Safety in Employment Act are excluded.

Employers Liability: Cover for accidents and illnesses to employees during the course of their employment, which are not covered by ACC and the costs of legal defence.

Employment Disputes: Protects employers during personal grievance claims taken against them by current, former or future employees for an alleged breach of the Employment Relations Act. This cover includes defence costs , fines and penalties.

Director & Officers Liability: Protects individual directors and officers against liability for claims arising out of wrongful acts in the running and management of the company, as well as the cost of defending those claims.

 Contract Works:  Protects buildings during the course of construction or structural alterations to existing property including natural disaster cover.

Cyber Liability: Designed to protect your business against a number of cyber exposures, from hacking attacks and viruses to privacy breaches, cyber extortion and theft of data.

If you have specific insurance needs and have not seen what you are after on our website then please contact us.  We have a range of options and may be able to meet your needs.  Our advisors are here to help.

Other Insurance options available:

  • Association Liability
  • Carriers Liability
  • Trustees Liability
  • Fidelity/Crime
  • Trade Credit
  • Machinery Breakdown
  • Rural Insurance Lines
  • Marine Insurance (Commercial Hull, Marine Cargo, Pleasure Craft)

Restaurant & Hospitality Insurance

Restaurant and Hospitality Insurance is a package with enhanced features that covers the specific risks faced by businesses in your industry.

Insurance cover is important for the peace of mind of any business owner, particularly in the hospitality sector, where managers deal with a wide array of dynamic and rapidly evolving situations . It is important that any business operating in the industry be appropriately covered. Our Restaurant & Hospitality Insurance offers a very broad range of cover at a competitive price.

Competitive Material Damage /Business Interruption:

  • Lower Excess Deductibles
  • Coverage for refrigerated stock and livestock (for example, crayfish kept live in display tanks)
  • Allowance for seasonal stock fluctuations.
  • Coverage for portable electronic devices with a lower excess on these items.


Cyber Cover to protect your electronic data: If you rely on the internet, email, website or computer software to operate your business then your current insurance may not cover you for one of the most important aspects of your business—your data. Protecting your business information and privacy is becoming a significant for the industry.

Management Liability: A critical component of an insurance for restaurant and hospitality business owners, this insurance includes a comprehensive and competitively priced liability package to protect you and your business against most liability exposures.

General Liability: Insurance cover for third-party property damage, personal injury and associated defence in connection with products supplied by your business (such as food), or accidents that occur at your premises.

Statutory Liability: Insurance cover to protect against the fines, penalties and legal fees that can result from an accidental breach of the Sale and Supply of Alcohol Act, Health and Safety in Employment Act (Excluding Fines), or the Sale of Liquor Act.


Day Care Centre and Child Care Insurance

If you care for children in your home or in a community-based setting, you know that kids are susceptible to accidents – from the occasional boo-boo to full-blown emergency. We have comprehensive insurance policies, exclusive to , designed to protect and your Child Care Centre, whether you are operating:

  • Kindergartens
  • Childcare Centres
  • Pre Schools, or
  • Play Centres

Comprehensive Liability package

  • Cyber risk cover against external hacking or breaches of website or confidential data
  • Comprehensive property and business interruption cover that covers you whether you rent or own your premises, including storm, flood, theft and disaster
  • Entity liability and employment practices liability cover
  • Cover for loss of profits as a result of a closure following an outbreak of an infectious disease.


Personal Insurance

House (Owner occupied, Rental Dwellings and Holiday Homes): covers you from fire, impact, landslips, flooding or earthquake. 

Contents:  cover for accidental loss or damage to your personal belongings.  From basic cover to comprehensive cover, landlord contents and holiday home contents.

Private Motor Vehicles:
We can insure you against loss or damage to your domestic-use vehicles by offering:

  • full comprehensive cover
  • third party fire and theft cover, or
  • third party only

Travel Insurance: Provides cover while you are travelling for risks such as:

  • travel disruption
  • cancellations
  • loss of deposits
  • lost, stolen or damaged luggage
  • emergency hospital and medical expenses, and
  • personal liability during your travel

Pleasure Craft Insurance:  Loss or damage to your watercraft along with liability protection.

Pet Insurance (for dogs and cats): a choice to suit every pet lover’s budget from basic to comprehensive cover.  Essentials Plan to Comprehensive