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Looking for business insurance?

Call us on +676 24 066 or contact us to request a quote.

Contact us for a quote

Reasons to choose business insurance

Whether you run a company from home, work as a tradesperson or own a shop, we can help get your business back on its feet if the unexpected happens.

Our business insurance is provided by National Pacific Insurance (Tonga) Limited (NPI), part of the Tower kāinga. Find out more about the relationship between Tower and NPI here.

If you only need cover for a car, van, ute or trailer you use for your business, take a look at Tower's Commercial vehicle insurance.

SmartPac

SmartPac offers flexible business cover for small to medium companies. With a range of options to choose from, you can build your cover to suit your needs and budget. 

It’s a simple, easy way to protect the things that matter most.

Contact us for a quote

Other business insurance solutions

We also have other insurance options available for larger or more complex businesses. If you would like to discuss your requirements, please get in touch and let us know your company's:

  • Total asset value
  • Number of employees
  • Nature of business
Contact us for a quote

SmartPac cover options

Business property

 

Protects the big items in your business, like buildings and equipment up to TOP2.9m plus loss of income or profits up to TOP1.45m.

Key benefits
  • Property loss or damage
  • Loss of income or profits

Money

 

Covers you against the loss of cash up to TOP10,000.

Key benefits
  • Loss in transit
  • Loss from safes or strongrooms

Burglary

 

Cover for loss or damage to both business and employee property up to TOP50,000.

Key benefits
  • Business contents
  • Employees' personal effects

Business liability

 

Covers your legal liability in Tonga, whether you’re working from home or out and about, up to TOP2m. Can be extended to employer’s and statutory liability.

Key benefits
  • Landlord's liability cover
  • Tenant's liability cover

Employee fraud

 

Covers loss suffered as a result of employee theft or fraud, up to TOP2,500.

Business property breakdown

 

Replacement of your computers, electronic devices or machines if they break down due to electronic or mechanical failure, up to TOP75,000.

Commercial vehicle

 

Whether you work as a builder, estate agent, or have a small business, we have Comprehensive or Third party commercial vehicle cover to suit your needs.

Key benefits
  • Physical loss or damage to your vehicle up to TOP150,000
  • Third-party liability up to TOP1m

We're here to help

 

Call us today on +676 24 066 to get a tailored quote.

Contact us for a quote

These are summaries only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.

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