General Liability For Small Business
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Do I need Business Insurance
... is something no small business owner wants to experience. Your reputation – Your small business' reputation is ... to take out your own Public Liability insurance * This information is a general guide only and does not take ...
read moreBusiness Insurance
... taken against you or your company. Business Interruption* Business Interruption cover protects you from ... extend to provide cover for any liabilities which may relate to your business. You should check your policy details ...
read moreBizCover and Boost Your Business
... Zealand Acts of Parliament. Cyber Liability Insurance* Protects your business against the expenses and legal costs ... . The information contained on this web page is general only and should not be relied upon as advice ...
read moreBusiness Insurance FAQs
... guru, whatever you do for a crust, your small business is big business to us. So we appreciate how crucial it is ... to do covers on bizcover compared to other insurance companies. Gwen S. Painter/Decorator Need Help? Visit ...
read moreWhat is Business Insurance
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... Sold Compare and Save on Your Small Business Insurance Your business may be considered 'small', but it's big to you ... Acts of Parliament. Cyber Liability Insurance* Protects your business against the expenses and legal ...
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... illness arising out of his or her employment where the ACC does not provide cover. Cyber Liability protects your business against the expenses and legal costs associated with data breaches, being hacked, or the theft of ...
read moreWhat does business insurance cover
... What kind of businesses need business insurance? The reality is, if you are running a small business, you are ... have been aware were covered with business insurance! * This information is a general guide only and does not ...
read moreBizSave
... “one size fits all” solution for small business insurance, each business is unique so we provide different cover ... wording. The information contained on this web page is general only and should not be relied upon as advice ...
read moreFrequently Asked Questions
... premium in full. Payment Options Cash flow can sometimes be a problem for small businesses so we provide different payment methods to suit your business: 1.Credit Card Pay the total policy amount upfront on your choice ...
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read moreHow to protect your small business from cybercrime
... they can access the money. Small Business in the sights of scammers You may be wondering why small businesses are a prime target? ... www.consumerprotection.govt.nz/general-help/scamwatch/report-a-scam/ The Inland Revenue ...
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read moreSmall Business Insurance: Why you might want to ensure you're covered!
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read moreHelp Protect your small business' reputation
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read moreWhat does Public Liability Insurance Cover?
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read moreWhy businesses in New Zealand need to consider Statutory Liability insurance
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read moreA Designer's Guide To Understanding Cyber Liability Insurance
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read morePublic Liability Insurance Explained
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read moreEmployers Liability Insurance
... Liability insurance. New Zealand's number one online insurance company We take pride in the 10,000 small businesses ... . The information contained on this web page is general only and should not be relied upon as advice ...
read moreWhat is Public Liability Insurance?
... any premises where your customers or members of the public visit ALL business that have interaction with customers or the general public should have Public Liability insurance Another thing to keep in mind is who you are ...
read moreCyber Liability Insurance
... data or network security breach against your company Almost every business is dependent on their data to ... Protect your business today. What type of businesses need to consider Cyber Liability insurance? A general rule of ...
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read moreHow much does Public Liability Insurance cost?
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... why you should choose BizCover for your Public Liability insurance. New Zealand's number one online insurance company We take more pride in the 10,000 small businesses we have helped already… and counting. Clear and ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
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... in the policy wording. The information contained on this web page is general only and should not be relied upon as advice Public Liability Insurance is a business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL ...
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read moreCyber Liability Insurance Explained
... small business* operators, it is worth considering Cyber Liability insurance and how it can protect your business ... security breach against your company Why do I need to consider Cyber Liability insurance? A common ...
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read moreThe Art of Small Business Branding in the Digital Age
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read moreHow To Protect Against Network Breaches
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read moreReviews related to General Liability For Small Business
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Prompt, professional, ease of purchase…and competitive pricing
Viraj M.
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I have already given feedback. Really easy and have referred several colleagues to you over the years
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Quick and hassle free insurance cover for small businesses.
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I rang several insurance brokers/company and this was the one that gave me the quickest, easiest quote without having all my personal detail and having to wait for someone to call me back! Thanks.
Sharon
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Easy process with reminders coming through on when to renew insurances by.
Brett S.
Did You Know?
Business Insurance policies are made up of many different insurance products that you can tailor to the needs of your business. From your building, the contents of that building and the data that your business relies on.
What it typically covers
- Material damage loss for your physical assets
- Financial loss due to Business Interruption
Choose cover options below!
What is NOT covered?
- Negligence/breach of duty arising from an act, error or omission as a result of your professional services
- Claims arising from damage to third party property or personal injury
- Known claims and circumstances
Protect your business today.
Cover Explained
Select the cover options needed for your business:
Building*
Building cover protects you from the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils.
This includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping. You also can get optional cover for natural disasters, including earthquake cover**.
Contents*
Property (Contents) cover protects you from the loss or damage to your contents, stock and equipment caused by fire and other perils.
It includes cover for money, theft equipment breakdown and seasonal stock increase. It also covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
You can also get optional cover for natural disasters, including earthquake cover**.
Cyber Liability*
Cyber liability insurance is a type of business insurance product which covers your business against both the legal costs and expenses, including compensation payments, related to cybercrime incidents. Your coverage may include cover for expenses and legal costs relating to data breaches, theft or loss of client information, business interruption costs, forensic investigation, data recovery, extortion, and fines and penalties.
It also could generally cover crisis management costs to restore your businesses reputation after an attack or data breach and legal costs from any ensuing civil action taken against you or your company.
Business Interruption*
Business Interruption cover protects you from the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
You can also get optional cover for natural disasters, including earthquake cover**.
Portable Equipment
Portable Equipment cover protects you from the loss or damage to portable equipment, tools and valuable property anywhere in New Zealand. You can select your own cover limit and cover the loss of things like laptops and mobile phones anywhere in the world
Covers loss or damage of laptops and mobile phones anywhere in the world.
How much does Business insurance cost?
No matter if you sell fishing tackle or lollipops, no two small businesses are the same. Each business has its own set of risks to deal with and these risks effect what cover you may need. That’s why there isn’t a stock-standard price of business insurance. When calculating the price of your policy, there are many factors that are taken into consideration.
Some of these may include:
- The size of your business
- How many staff you have
- The type of small business you are running
- The type of coverage you take out
- Your excess
- The level of cover
- Your claims history
- Your shop’s location
Why choose BizCover for your business insurance?
At BizCover, our task is to make business insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your business insurance.
New Zealands’s number one online insurance business
We take pride in the 10,000 small businesses we have helped already… and counting.
Clear and competitive pricing
You can compare and choose from a range of competitive prices right there on your screen. Seriously.
Built for small business
We know insurance and what makes small businesses tick.
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.
Frequently Asked Questions
Is Business Insurance Mandatory?
While there is the flexibility to choose what sort of cover you want for your business and the level of cover, there may be some situations where certain types and levels of cover are mandatory.
For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially within the government sector. This is sometimes the case when becoming a member of certain industry bodies and boards.
Does Personal Insurance Cover Business Insurance?
It’s important to be aware that your personal insurance may not cover your business assets or property. If you have a home-based business, things like your home and contents insurance policy may not extend to provide cover for any liabilities which may relate to your business. You should check your policy details to check on coverage.
How do I make a claim on my insurance policy?
Need to make a claim? No dramas! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268
*This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975).
**Cover for natural disasters is subject to the location of your business and is not available to all postcode areas. Sub-limits and conditions apply. Refer to the policy wording.
Need Help?
Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.
You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.