SmartPac Business insurance

No matter what size your business is, you have assets that need protecting. Whether it’s your place of work, your business income, cash, stock, materials or your vehicle – every piece of your business is vital. How would your business get by without it? This is where Business Protection Insurance comes in.

With NPI’s SmartPac you can build your cover to suit your business. It’s a simple, easy way to protect the things that matter most.

How it works

There are eight types of cover to choose from that represent the areas of greatest risk to small businesses in Tonga.

	Business Property Business Property Cover protects the big items in your business, like buildings and equipment. It can also cover things like renovations and your employees’ property.
	Business Income Business income Cover provides for financial loss if your business is interrupted while assets are being replaced or fixed.
	Money This covers the loss or damage of cash, cheques, money orders, stamps, credit card invoices and other negotiable instruments.
	Burglary If burglary is a concern for your business, burglary cover can provide extra peace of mind. Burglary cover insures your business assets and premises for loss or damage caused by actual or attempted burglary.
	Business Liability Business Liability can cover legal liability as a result of loss or damage to other peoples property and to people other than your employees arising from personal injury.
	Employee Fraud Employee Fraud cover protects your business if it suffers direct financial loss due to theft, false pretences, fraud or computer fraud by your employees.
	Business Property Breakdown Business Property Breakdown cover protects your business if your computers, electronic devices or machines break down due to electronic or mechanical failure. List of Approved Engineers to issue Cyclone Engineers Certificates (PDF, 400kb)
	Business Vehicle Maxi Motor Protection covers loss to your business vehicle including legal liability, along with windscreen and window glass repair, salvage costs, a new vehicle if your business vehicle is written off, up to 30 days’ cover for your replacement vehicle, and money for your estate if you are fatally injured.

For details on terms and conditions, cover limits, exclusions and optional extras, please read the policy wording. We like to keep things simple at NPI and you’ll find our policies are easy to understand.