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Masterpiece® is Chubb’s prestige home and contents insurance offering for people with significant assets to insure who appreciate a premium level of cover and service that is customisable to their needs.
Chubb's cover options for your leisure travel.
Chubb leverages superior underwriting expertise and world renowned claims, accounts services, and financial strength to offer solutions for small and medium businesses.
Backed by our product breadth, financial strength and global network, we offer customised cover for your varied needs so that you can focus on growing your business.
Here to support you and the important work that you do.
Whether you’re a distributor or broker, you can be assured of our corporate capabilities when you partner with Chubb.
Chubb Travel Insurance establishes relationships with partners to provide personal travel insurance cover for their clients.
If you’d like to get protection from the comfort of your own kitchen, Chubb Life makes it easy. Get an instant quote from our simple online tool. You’ll be surprised about how little time it may take.
Chubb Leisure Travel Insurance can help you and your family enjoy your time overseas, knowing that should an incident happen you are Chubb-insured and there is assistance at hand.
Start-up Monthly Disability Cover
Why do you need Start-up Monthly Disability Cover?
The smaller the business, the greater the reliance there is on one or two key employees. You and the key employees in your business are its most valuable assets. The expertise and knowledge you and your key people contribute is essential to the running and success of your business.
Start-up Monthly Disability Cover is specifically designed to protect new businesses from the financial impact caused if you or a key person are unable to work due to an illness or injury, by providing an agreed value monthly benefit to help your business stay afloat while you or a key person recovers.
For new businesses it can be difficult to prove profitability to justify agreed value levels of cover. If your business has been in operation for 3 years or less, Start-up Monthly Disability Cover allows you to choose a sum insured amount from $1,000 per month to a maximum of up to $8,000 per month coverage.
Benefits
Built-in benefits
A monthly payment if you’re totally disabled and are unable to work.
Built-in benefits
A monthly payment if you are only able to work in a reduced capacity due to illness or injury.
Built-in benefits
Allows you to apply to convert your Monthly Disability Cover to another policy if your circumstances change.
Built-in benefits
Waiver of your waiting period if your disability returns within 12 months of going off claim.
Optional benefits
An optional increase in cover by 25% for a 3-month period.
Optional benefits
A monthly payment of $750 for specialist farming assistance if you become totally or partially disabled.
Seasonal Adjustment Benefit and Farm Consultancy Benefit are only available to Farmers and those working in the Agriculture industry.
FAQs
- Intentional self-harm including attempted suicide
- Taking part in a criminal activity
- Pregnancy or complications resulting from pregnancy, unless the disability lasts more than 90 days after the pregnancy
- Not following the advice and treatment of, or under the regular care of, a medical practitioner.
Other business insurance income as a result of the same disability will be offset.
Mandatory cover required to access: Premium Cover
Occupation classes: 1-4
Your occupation class is determined by the work you do. Your financial adviser will be able to help you work out what occupation class will apply to you.
Chubb Life Stories
A year after a serious mountain biking accident, Dave Jensen was still struggling to hold a knife and fork. Dave was riding a downhill track when he missed a landing on a large jump and crashed, resulting in several compound fractures through his forearms.
Dave shares his story about working with an Independant Financial Adviser and why taking out Assuance Extra Business Cover, Start-up Monthly Disability cover saved his Lower Hutt business.
Other Cover options
Insurance that pays a lump sum if you or a key person sustains one of the covered injuries as a result of an accident.
Insurance that pays your policy premiums if you, or a key person in your business, become disabled and are unable to work.
Insurance that pays a lump sum if you or a key person dies or is diagnosed with a terminal illness.
Your insurance is underwritten by Chubb Life Insurance New Zealand Limited (Chubb Life). Chubb Life has an A (Excellent) financial strength rating given by A.M. Best Company Inc. A summary of the rating scale is: A++, A+ Superior | A, A- Excellent | B++, B+ Good | B, B- Fair | C++, C+ Marginal | C, C- Weak | D Poor | E Under Regulatory Supervision | F In Liquidation | S Suspended. For the full rating scale and more rating information visit www.ambest.com/ratings/guide.pdf