Types of cover we offer

BizCover has insurance options for builders, bakers, bookkeepers and many more.
Tailor your quote to your business, compare cover, and buy online in minutes.

For accidents and faults

A slip, trip, or bad advice could turn into a financial nightmare if your business isn’t protected.

Public Liability Insurance

Covers legal fees and repair costs if you accidently cause:

  • Damage to someone else’s property
  • Injury to a client or member of the public (not covered by ACC)

Professional Indemnity Insurance

Covers costs of claims from a customer alleging you:

  • Made a miscalculation
  • Lost documentation
  • Failed to meet a deadline
  • Gave incorrect advice

For an all-in-one package

Pick-n-mix and tailor your BizPack to fit the needs of your business.

Business Insurance Package

Choose cover options such as:

  • Building cover
  • Contents (Property) cover
  • Tools & Portable Equipment cover
  • Business Interruption cover
BizPack Coverage

For your tools and business assets

Could you operate if your tools and stock were stolen or damaged?

Tool Insurance

Covers costs of repairing or replacing your portable tools, equipment, stock against:

  • Theft
  • Fire
  • Accidental or malicious damage
Tool coverage

Building Insurance

Covers the building you own and operate out of for repair or rebuild costs caused by:

  • Storm damage
  • Fire
  • Malicious damage
Building coverage

Contents (Property) Insurance

Covers the money, equipment, stock, and glass you keep in your building against:

  • Storm damage
  • Fire
  • Theft or break-in damage
Contents coverage

For when your business gets interrupted

What would you do if your business couldn’t operate as expected while waiting for repairs, replacements, or during legal proceedings?

Business Interruption Insurance

Covers loss of income or increase in operation costs when your biz is impacted by events like:

  • Property damage
  • Fire
  • Storm damage
Business Interruption Coverage

For other legal things

As a business owner you have many legal responsibilities, like protecting your client’s data, complying with business law, keeping your employees safe.

Cyber Liability Insurance

Covers your business from legal costs and expenses caused by cyber incidents such as:

  • Data breaches
  • Extortion
  • Forensic investigation
  • Business interruption
Cyber coverage

Employers Liability Insurance

Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:

  • Legal and defence
  • Compensation costs
Employee Liability

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:

  • Legal and defence costs
  • Fines and penalties
Statutory coverage

Cyber Liability Insurance

Covers your business from legal costs and expenses caused by cyber incidents such as:

  • Data breaches
  • Extortion
  • Forensic investigation
  • Business interruption
Cyber coverage

Employers Liability Insurance

Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:

  • Legal and defence
  • Compensation costs
Employee Liability

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:

  • Legal and defence costs
  • Fines and penalties
Statutory coverage

Business Interruption Insurance

Covers loss of income or increase in operation costs when your biz is impacted by events like:

  • Property damage
  • Fire
  • Storm damage
Business Interruption Coverage

Shop around for business insurance.

Compare multiple cover types and insurer quotes in one go!

Save time & money by buying online in minutes.

Types of Industries we cover

No two businesses are the same. We cover 900+ occupations across multiple industries!

Maintenance Services

  • Cleaners
  • Gardeners
  • Lawn Services
  • Landscapers
and more…: Maintenance Services

Trades

  • Builders & Handymen
  • Electricians
  • Painters & Decorators
  • Plumbers
and more…: Trades

Consultants & Freelancers

  • IT Consultants
  • Management Consultants
  • Recruitment Consultants
  • Real Estate Agents
and more…: Consultants & Freelancers

Fitness & Beauty

  • Personal Trainers
  • Hairdressers
  • Beauticians
  • Yoga Teachers
and more…: Fitness & Beauty

Hospitality

  • Café’s & Restaurants
  • Caterers
  • Takeaway Shops
  • Food Trucks
and more…: Hospitality

Healthcare & Wellbeing

  • Nurses
  • Care Workers
  • Counsellors
  • Massage Therapists
and more…: Healthcare & Wellbeing
Retailer

Retailers

  • Shop Owners
  • Bakeries & Green Grocers
  • Book Shops
  • E-commerce Retailers
and more…: Retailers

Professionals

and more…: Professionals

Today, BizCover is trusted by more than…

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+

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Our Insurers

We work with a selected group of trusted NZ insurers to offer you great cover.

The savings are real!

Curious to know how much you could really save with BizCover?

Martin

GardenerChristchurch

Saved

$2,000

on

Public Liability,

Statutory Liability

& Employers Liability

Vicki

Management Consultant

Napier

Saved

$1,500

on

Public Liability &
Professional Indemnity

Ian

Plumber Picton

Saved

$600

on

Public Liability &
Statutory Liability

Yvonne

Councellor Rotorua

Saved

$100

on

Professional Indemnity &
Public Liability

*Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.

What sets BizCover apart?

We are not just a comparison and buy site.

Make claims online

We’ll manage the process on your behalf with the insurers.

Flexi Payment Options

Pay monthly or annually, cancel at any time.

One Stop Shop

Manage multiple cover types in one place.

Easy Renewals

Optional automatic renewal to stay protected.

Hear from our customers

BizCover NZ Rating 4.7/5 on Feefo

Efficient

Trusted Customer

Efficient and great price
Quoted and bought insurance online, very quick and a great price.

Definitely worth

Burnett B

BizCover is definitely worth their word. Quick easy understandable cover

Straight forward

Trusted Customer

It is very straight forward and easy to understand and you can choose whatever you need for your business.

Easy to choose

Pavan K

Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.

Fast, friendly and efficient

Kylie T

The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.