{"id":23392,"date":"2026-10-05T00:42:51","date_gmt":"2026-10-05T00:42:51","guid":{"rendered":"https:\/\/nzsda.org.nz\/?p=23392"},"modified":"2026-10-06T01:54:23","modified_gmt":"2026-10-06T01:54:23","slug":"one-bad-day-on-the-job-would-your-insurance-respond","status":"publish","type":"post","link":"https:\/\/nzsda.org.nz\/index.php\/2026\/10\/05\/one-bad-day-on-the-job-would-your-insurance-respond\/","title":{"rendered":"One bad day on the job. Would your insurance respond?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"23392\" class=\"elementor elementor-23392\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f8e289 e-flex e-con-boxed e-con e-parent\" data-id=\"8f8e289\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1a8f27 elementor-widget elementor-widget-image\" data-id=\"a1a8f27\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"796\" height=\"399\" src=\"https:\/\/nzsda.org.nz\/wp-content\/uploads\/2026\/10\/Screenshot_5-10-2026_133010_.jpeg\" class=\"attachment-large size-large wp-image-23394\" alt=\"\" srcset=\"https:\/\/nzsda.org.nz\/wp-content\/uploads\/2026\/10\/Screenshot_5-10-2026_133010_.jpeg 796w, https:\/\/nzsda.org.nz\/wp-content\/uploads\/2026\/10\/Screenshot_5-10-2026_133010_-300x150.jpeg 300w, https:\/\/nzsda.org.nz\/wp-content\/uploads\/2026\/10\/Screenshot_5-10-2026_133010_-768x385.jpeg 768w\" sizes=\"(max-width: 796px) 100vw, 796px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61ef24e elementor-widget elementor-widget-heading\" data-id=\"61ef24e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One bad day on the job. Would your insurance respond?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e015a16 elementor-widget elementor-widget-text-editor\" data-id=\"e015a16\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most sign and display businesses don&#8217;t think too much about insurance until something goes wrong. By then it&#8217;s too late to find out what your policy does and doesn&#8217;t cover.<\/p><p>Picture a normal working week, and ask yourself what would happen if:<\/p><ul><li><strong>A sign falls during an installation.<\/strong> A panel comes loose at height and lands on a client&#8217;s car parked below. Who pays for the damage, and what happens if legal costs follow?<\/li><li><strong>A vehicle wrap needs to be redone.<\/strong> The wrap lifts or is damaged and the client expects it to be fixed. Depending on the policy, the excess and extent of cover may not be what you&#8217;d expect.<\/li><li><strong>Your large-format printer breaks down halfway through a job.<\/strong> For many businesses, machinery breakdown isn&#8217;t automatically included in their insurance policy, potentially leaving you with an expensive repair and a disrupted job to deal with.<\/li><li><strong>Your signwritten van is written off.<\/strong> The vehicle itself may be insured, but what about the cost of reinstating the signwriting and branding?<\/li><\/ul><p>These aren&#8217;t far-fetched scenarios. They&#8217;re risks that can arise as part of the day-to-day work of signwriters, installers and display businesses. That&#8217;s why having the right insurance isn&#8217;t simply about having a policy in place. It&#8217;s about having cover that reflects the way your business actually operates.<\/p><p>The NZSDA Insurance Programme has been developed for signwriters, installers and display professionals, with cover and benefits designed around the risks faced by businesses in the industry.<\/p><p>NZSDA members can access:<\/p><ul><li>A $250 excess on general, statutory and employers liability claims<\/li><li>A $500 excess on trade-specific claims, including wraps, signwriting and repairs<\/li><li>Automatic machinery breakdown cover up to $10,000<\/li><li>Signwriting reinstatement of up to $10,000 per vehicle<\/li><li>Reduced excesses on mobile phones ($250) and theft ($1,000)<\/li><li>A management liability suite covering directors &amp; officers, employment disputes, internal crime, tax audit investigations and crisis support<\/li><li>Defence costs and consequential loss cover as standard, with Professional Indemnity available if you need it<\/li><li>Preferential pricing negotiated specifically for NZSDA members<\/li><\/ul><p><strong>Not sure where to start? That&#8217;s fine.<\/strong><\/p><p>You don&#8217;t need to know the jargon or have a policy in front of you. A short, no-obligation conversation with Clinton or Reilly will help you understand what cover your business needs and where you might be exposed. They can also show you how the Programme compares with what you have now, or with having no insurance at all.<\/p><p><strong>Insurance isn&#8217;t valued when you buy it. It&#8217;s valued when you make a claim.<\/strong><\/p><p><strong>Talk to us today<\/strong><\/p><p>Clinton Stanger | Long Burroughs | 021 985 006 | <a href=\"mailto:Clinton@longburroughs.co.nz\">Clinton@longburroughs.co.nz<\/a><br \/>Reilly Price | Business Insurance Limited | 03 337 2245 | <a href=\"mailto:Reilly@bil.co.nz\">Reilly@bil.co.nz<\/a><\/p><p><a href=\"https:\/\/mcusercontent.com\/7cc1ea4e59bb4cb71340aa401\/files\/911f8a5e-d860-6d15-9f82-e4a224242d32\/Insurance_Programme_NZSDA_Updated.pdf\" target=\"_blank\" rel=\"noopener\">Learn more about the NZSDA Insurance Programme<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Most sign and display businesses don&#8217;t think too much about insurance until something goes wrong. By then it&#8217;s too late to find out what your policy does and doesn&#8217;t cover.<\/p>\n","protected":false},"author":2,"featured_media":23394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-23392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-advice"],"_links":{"self":[{"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/posts\/23392","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/comments?post=23392"}],"version-history":[{"count":7,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/posts\/23392\/revisions"}],"predecessor-version":[{"id":23400,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/posts\/23392\/revisions\/23400"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/media\/23394"}],"wp:attachment":[{"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/media?parent=23392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/categories?post=23392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nzsda.org.nz\/index.php\/wp-json\/wp\/v2\/tags?post=23392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}