Directors Insurance for Small Business NZ
Small business directors in New Zealand face the same personal liability as directors of large corporations — but with fewer resources to defend claims. Affordable D&O and management liability cover is available for SMEs from as little as $800/year.
Why Small Business Directors Need Cover
Many SME directors believe they don't need D&O insurance — but the risks are real. Under the Companies Act 1993, all NZ company directors face personal liability for reckless trading, insolvent transactions, and breaches of director duties. SME directors are often more exposed than their corporate counterparts because they have less legal support.
Management Liability for SMEs
For small businesses, a management liability package is usually the best option. It bundles D&O, employment practices liability, statutory liability, and crime cover into one affordable policy. For a typical SME with a small team, this can cost as little as $1,200–$2,500/year.
Get an SME Quote
Our advisers specialise in directors insurance for small and medium NZ businesses. Submit a quote request and we'll have options for you within one business day.