Insurance Index revealed that 70% of SMEs are significantly underinsured.
53% of NZ businesses faced a cyber attack in the last six months.
NZ liability claims for legal costs, fines and damages exceeded $330 million in 2024.
Only 30% of NZ organisations have a business continuity plan
The estimated cost of a data breach in New Zealand is $173,000.
Business insurance is a practical risk management tool that protects your company from financial losses due to unexpected events. It provides coverage for property damage, liability claims, and business interruption, ensuring that a single incident doesn't jeopardise your entire operation.
Your business is everything, it is your vision, your passion and income. Built on hard work and countless sacrifices, you need to be prepared for the unexpected if it happens. That's where smart, tailored business insurance steps in. It's a fundamental component of responsible business planning, not a luxury reserved for larger companies.
THE BENEFITS OF BUSINESS INSURANCE
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Protects Your Assets
Covers the cost of physical assets if they are damaged by events like fire, theft, or flooding.
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Legal Costs and Liabilities
Protects your business from potentially devastating financial losses from lawsuits and third-party claims.
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Business Continuity
Replaces lost income & covers expenses like rent & wages if you're forced to temporarily close due to an insured event.
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Credibility and Trust
The right cover shows that your business is responsible & reliable, which can be crucial for building commercial relationships .
Why work with us?
Naked Finance provides financial advice to individuals and business owners across New Zealand. Our advice covers both insurance and broader financial planning. We work with clients on business insurance, life and health cover, income protection, and investment strategies, always starting with a thorough understanding of your specific situation. Recommendations are based on what you actually need, not on predetermined products or targets.
Our approach has earned recognition across the industry, including Business Excellence and Top Achiever awards, but the validation that matters most comes from our clients and from our commitment to doing business better. We recently became B Corp Certified, formalising a promise we've always kept: to balance profit with purpose, to look after our people and our community, and to reduce our impact on the planet. We're proudly independent, based in Auckland, and backed by a team that genuinely cares about getting it right for you.
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Why we are the chosen advisers of Kiwi business owners
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On-shore advice – All our advisers are based in New Zealand, so you're dealing with local experts who understand the local market
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Tailored recommendations – We ask what you actually need, then build a plan around that, not around a product
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Plain language – We explain your cover clearly, so you know exactly what you're protected for and what you're not
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Market-wide access – We work across the full market, comparing policies from insurers we trust, because there's no one-size-fits-all solution
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Full-service support – We handle the heavy lifting—underwriting, claims, and ongoing reviews—so you can focus on running your business
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Long-term partnership – We stay with you, reviewing your cover as your business grows and your circumstances change
How We Can Support Your Business
ACC for Self-Employed Kiwis
Most self-employed Kiwis assume ACC has them covered, but the reality is far more complicated. From overpaying on levies due to incorrect classification codes to discovering your income stops if you get sick, the gaps in standard ACC cover can cost you thousands. The good news? Switching to ACC CoverPlus Extra could mean lower levies, a pre-agreed payout without the paperwork hassle, and full entitlements even if you return to work part-time. Before you face a claim, find out if you're paying too much and missing out on cover you're entitled to.
Our Partners
We work with multiple providers across different sectors. We are not tied to any one provider meaning we can find the best deal for you. Whether we are building you a business, life or health insurance package, or optimising your investments, we can ensure a tailored approach that supports your needs and goals.
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Frequently asked questions
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