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15 November 2021

Covid-19 and your insurance policy

This page contains advice and updates for clients relating to the impact of Covid-19 on insurance policies and risk management. It is regularly updated and the most recent advisories will appear at the top of the page. 

Crombie Lockwood continues to provide comprehensive insurance advice and support to clients during this challenging time. If you have questions about how this affects you and your business please contact your broker. 


Guides for opening up a business after a shutdown - November 2021

If you're opening up your business again after a shutdown, there are some things you'll need to check to ensure your team and your equipment are safe. Insurer Vero have put together some handy guides and checklists to help make things easier as you're getting back to business.

Mandatory vaccinations - considerations for employers - 20 October 2021

Businesses contemplating mandatory employee vaccinations must consider workplace safety obligations, and employees' rights under legislation and agreements.

Read the full advisory: Mandatory vaccinations - considerations for employers 

Car insurance - 31 August 2021

Car insurance when used for business

  • Read our advisory on how alert levels affect car and other vehicle insurance policies. This includes clarification on what happens when warrant of fitness and drivers' licences expire: Covid-19 and your motor vehicle insurance.


Home and contents insurance - 30 August 2021

Our client advisory answers common questions about how home and contents insurance policy conditions under lockdown due to Covid-19.

This includes the role of home valuations, property settlements under high alert levels, equipment cover when working from home, contents in storage and more.

Read the full advisory: Covid-19 and your home and contents insurance.     

Boat and pleasurecraft insurance - 30 August 2021

If your boat is used when alert levels prevent or restrict use, insurers will not  provide cover on your policy or liability to any third parties.

If you have questions about your boat and pleasurecraft insurance please contact your broker. 


Schools insurance - removal of electronic devices - 30 August 2021

Schools insurance 

Advice on insurance cover for schools where students take electronic devices such as laptops and Chromebooks home on loan during Covid-19 school closures. 

Cybersecurity - 30 August 2021

Cybersecurity during Covid-19 alert levels

We've seen that the increase in New Zealanders logging on from home can create additional vulnerabilities in otherwise secure internal computer systems. And the disruption caused by Covid-19 is continuing to present opportunities for cyberattacks and data breaches.  Our recent client advisories provide guidance on managing risk at this time: 

Trade credit insurance - 14 August 2020 

Trade credit insurance advisories

Construction insurance - 13 August 2020

Guidance and advice from our construction insurance specialists on risk mitigation and cover for construction projects during Covid-19 and alert level stages: 

Landlord insurance - 13 August 2020

Our client advisory for landlord insurance policyholders, answers questions on property inspections and rent protection during Covid-19 alert levels.

Travel insurance - 20 July 2020

Travelling within New Zealand 

Most New Zealanders are unaware that many of the risks we consider when travelling internationally also apply when travelling domestically. We outline some of those risks and explain why domestic travel insurance should be considered when planning your next trip.

Travel insurance policyholders - Last updated May 2020 

Many insurers have removed some or all cover for Covid-19-related issues for travel to countries affected by the outbreak. It is important to check policy wordings to understand how the restrictions affect your cover. Links to information from insurer partners summarising their position on cover for existing and new policy holders are listed below:

If you have any questions not covered by the insurer's website please contact your broker.

Aligning your insurance in the Covid-19 environment - 19 May 2020

As businesses look to control expenses, we look at some approaches for managing risk while reducing cost and maintaining essential insurance cover. 

Other personal and business insurance policies

Other personal and business insurance policies

Policy exclusions for events relating to infectious or contagious disease may apply to some policies not already mentioned on this page. This means that cover may not be available. Your broker can review and advise based on your individual situation.

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