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.
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
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 two levels of cover to suit your needs.
Key benefits
- Physical loss or damage to your vehicle up to TOP150,000
- Third-party liability up to TOP1m
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.