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Why Choose BizCover

  • Multiple quotes in just minutes: we give you choice by providing you quotes from selected New Zealand leading Insurers.
  • No forms to fill in: our process is very convenient and efficient. You get results without the need of filling in endless complex forms.
  • Buy online: Unlike other providers, with BizCover you can compare and buy online any time, day or night, no need to wait for someone to call you back.

Insurance by Industry

At BizCover we understand there is no “one size fits all” solution when it comes to insuring a small business. each business has its own unique needs, which is why we provide different cover options for over 1000 occupations across New Zealand. Find out more about the cover we can provide for your industry below.

Need more help? Visit our Insurance by industry section to get the lowdown on what cover is available through our website for your profession.

Our Partnerships

We work with a hand selected group of trusted partners who are committed to supporting and growing the New Zealand SME Community.

FAQ

Do I need Public Liability Insurance*?

Public Liability insurance* is an important type of cover, as it can provide protection for you and your business if a customer, member of the public or a supplier suffer property damage or are injured (and not covered by the Accident Compensation Commission) as a result of your negligent business activities.

Understanding how Public Liability insurance can protect your small business doesn’t need to be difficult, we’ve put together some of the key things you need to know here.

What is difference between Public Liability and Professional Indemnity Insurance*?

These two types of insurance cover two very different areas of risks. For some professions it may be required to just have one type of coverage and for some both may need to be in place.

For more information check out our quick and simple guide that goes into more detail about the differences between Public Liability and Professional Indemnity insurance.

This is an overview of some of the inclusions and exclusions of the policies below:

Public Liability

What is typically covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

  • Injury to your employees
  • Damage to your own property
  • Compensation for personal injury whereby cover is provided by the ACC
  • Known claims and circumstances

Professional Indemnity insurance

What is typically covered?

  • Damages and claimant costs awarded against the insured
  • Legal and defence costs
  • Claims investigation costs
  • Inquiry attendance costs
  • Public relations costs

What is typically NOT covered?

  • Intentional damage
  • Known claims and circumstances
  • Fraud and dishonesty
  • Bodily injury / property damage

Is Professional Indemnity insurance mandatory?

Every profession and industry is different with its own regulations and requirements. It is always a wise choice to check with your industry regulator or professional body to find out what is exactly required like minimum levels or cover.

For more information refer to our guide on Professional Indemnity insurance.

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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. 

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