SME & Retail

Running a small business is the cornerstone of the Kiwi dream. Getting your business back up and running after theft, fire or flooding can be difficult, but we can help to ensure you have the right cover in place should the worst happen.

We’ll get you covered for

Business Assets

The things you need to run your business.

Loss of Income

If loss or damage means you can’t open, we can help with lost earnings.

Employment Disputes

Protection against employment disputes.

Motor Vehicles

Your work vehicles.


Your legal exposure.

Transit Cover

Damage or loss of any goods or materials during transit.

Get me covered!

I work in .

What our mates say

Adviser: Wayne
Everything was real easy and straight to the point.
Adviser: Nathan
Too easy, Cactus made everything hassle free.
Adviser: Jacob
Getting cover sorted was sweet and straightforward, everything was done over the phone.
Adviser: Nathan
Cactus is good as gold. I was with another insurance company but I wasn’t happy with their service so I switched to Cactus.
Adviser: Nathan
Cactus is really awesome. Nathan was easy to talk to, it was just like talking to one of the tradies. He made it easy to understand all the corporate stuff.