Commercial Property MDBI by Industry — NZ

Industry-specific wording compare pages. Each industry names the typical risk classes + preferred FCIB-panel insurers + the fact keys that matter for that buyer.

• Retail

  Independent shops, chain retailers, e-commerce fulfilment — stock + glass + theft + BI.

• Hospitality

  Restaurants, cafes, bars, hotels — high theft + glass + spoilage + kitchen-fire risk.

• Manufacturing / industrial

  Factories, warehouses, distribution facilities — large sum insured + significant BI.

• Professional services

  Law firms, accountants, consultants, agencies — office contents + IT + business interruption.

• Healthcare

  Medical practices, dental clinics, aged-care + hospitals — equipment + refrigerated stock + BI.

• Landlord / investor

  Building owners + investors — building structure + loss-of-rent BI + multi-tenant management.

• Education / childcare

  Schools, private education, daycares — building + outdoor improvements + BI from term-interruption.