Commercial Property MDBI Risk Classes — NZ

How NZ commercial-md placements categorise by operator profile. Each risk class names the relevant fact keys + preferred FCIB-panel insurers + watch-out callouts.

• Retail tenant

  Independent retailer occupying a leased shop or kiosk — stock, fixtures, glass, business interruption.

• Office tenant

  SMEs occupying office space — IT equipment, contents, professional liability, business interruption.

• Warehouse / industrial

  Distribution + manufacturing facilities — building + stock + plant & equipment + business interruption.

• Hospitality

  Restaurants, cafes, bars, hotels — high theft + glass + spoilage + liquor + business interruption exposure.

• Accommodation

  Hotels, motels, holiday parks, lodges — building + linen + guest-property + BI from room-night interruption.

• Healthcare / aged care

  Medical practices, dental clinics, aged-care facilities — equipment + business interruption + regulatory compliance.

• Mixed-use multi-tenant

  Landlord cover on a multi-tenant building — building structure + common areas + tenants' improvements + landlord BI (rent loss).