Business Insurance

Do you operate an independent practice?
Do you have a lease obligation to insure glass breakage?
Do you have expensive equipment or stock that you store in your practice?


PNZ members have exclusive access to discounted business insurance with coverage designed to meet the specific needs of physiotherapy practice owners.

Business Insurance is designed for Allied Health & Medical businesses with assets not exceeding $5 million. It covers various general elements of business risk relating to property and interruption to operations; it is comprised of 2 main sections of cover being Material Damage and Business Interruption, which include a range of covers, but not limited to:

Section

Covers

Property Damage Covers buildings, business property, stock and machinery for fire, storm damage and other perils.
Theft Covers theft of business property and stock in trade.
Glass Covers all glass types for the replacement value and signage.
Money Covers loss of or damage to money stored on or off site, as well as money in transit.
Equipment Breakdown Machinery Breakdown covers the mechanical breakdown of machinery (i.e. air conditioning units, refrigeration units, etc.). Electronic Equipment Breakdown covers the costs associated with an electronic breakdown of computers and peripheral office equipment (i.e. a power surge or fusion).
Business Interruption Cover for loss of income in the event your business operations are hindered following an insured Material Damage peril. Also includes benefits for Additional Increased Costs of Working which provides cover for additional costs to maintain normal operation of your business (including leasing alternative premises, advertising costs, and equipment leasing and additional staff).

Apply for Coverage

Please complete and return the application form or call BMS today on 0800 999267 to receive a quote for Business Insurance:

Download Application Form