Commercial Property MDBI Scenarios — NZ Operator Personas

Real-world business situations and what to look for in the policy wording. We don't recommend a product — we map operator situations to the fact keys that matter, and flag the gotchas you should ask FCIB about before binding cover.

• Retailer · single shop

  Owner-operator of a single mainstreet retail unit — stock + fitout + glass + 12-18mo BI.

• SME · office tenant

  10-50 person professional services / tech firm in leased office — IT + contents + revenue-interruption BI.

• Manufacturer · $50M facility

  Manufacturer with $20-50M building + plant + stock — long BI indemnity period, EQ-zone exposure.

• Restaurant · late-night

  Restaurant or bar trading evenings — kitchen-fire + glass + liquor + spoilage exposure.

• Landlord · mixed-use

  Building owner of a 2-4 storey mixed-use property — retail-on-ground + offices/apartments above.