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Business Expenses Insurance

Talk to an Adviser about Business Expenses Insurance. They can:

Find the best products for your budget and needs

Provide customised advice and keep your insurance up-to-date

Be impartial, as they are not Asteron Life employees

What is Business Expenses Insurance?

Business Expenses Insurance can pay your business expenses for up to 12 months to help keep you – and your business – afloat.  If you're a small business owner, your business is probably committed to costs that you would need to pay even if you’re not making as much money as usual.

Most people use Business Expenses Insurance for:

  • Premises expenses – rent, insurance, rates, security, property repairs and maintenance
  • Services – phone, gas, electricity, water, cleaning
  • Equipment expenses – leasing or financing costs, registration and insurance of vehicles/equipment, repairs and equipment 


Business Expenses Insurance benefits

Monthly benefit

This is to help you run the business if you are injured or ill and unable to work

Recurrent disability benefit

Restarts your benefit immediately if you suffer the same disability within 12 months – waiving your waiting period

Disability reset

Restarts your benefit period for a new or related sickness or injury

New parent premium waiver

We’ll pay your premiums for six months while you’re on parental leave

Overseas assist

We’ll contribute to your costs to return to New Zealand if you need to claim on your Business Expenses Insurance while you’re overseas

Funeral assistance

We’ll pay up to 4x the monthly benefit to assist with funeral expenses if you die while receiving a benefit

Inflation adjustment

Each year your sum insured can be increased without the need for further medical or financial underwriting

Optional benefits you can choose to include:

If you have an existing policy with Asteron Life, your policy may be different from our current on-sale products, so it’s a good idea to check things with your adviser.

There are terms and conditions that apply to all benefits within Business Expenses Insurance. Don't worry though, your adviser can take you through these and what they mean.

Other types of cover

We understand our rural customers have unique insurance requirements.  Our Farmers Disability Insurance has been designed to keep the farm functioning until you’re on your feet again. 


Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.

Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!

Simon Evans had always insisted that Multiple Sclerosis was never going to define him. Thanks to his Income Protection Cover with Asteron Life it never has.

Ready to speak to an adviser?

If you would like to know more about Business Expenses Insurance we can put you in touch with an adviser who can explain the different options available.

Speak to an Adviser

Frequently asked questions

What type of business is this for?

This can be ideal for business owners who do all the hard yards and generate all the business income themselves. They will still need to keep their business running while they’re off work with a disability or illness.

Does this cover pay some of the income for the business person insured?

No, not with this cover. The business person would also need to take out their own personal Income Protection Insurance.

How long would any business expenses be paid for?

Eligible business expenses are covered for up to 12 months at a time.


This information is of a general nature and is not personalised to your situation. If you would like advice which takes into account your particular finanical situation or goals, please contact your registered financial adviser.