Building Insurance
Cover for your business buildings, fences and more!
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Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
What is Building insurance?
Building insurance protects you from the cost of repairing or reconstructing buildings your business owns as a result of fire and other covered events.
If you own the buildings where you run your business, then protecting them might be a must! Building insurance- an optional part of a Business Insurance Package—could help you handle the costs of storm damage, fire, and more.
What does Building insurance cover?
Business Buildings
Owned buildings from which you run your business or store business items.
Fixtures and Fittings
Items that are secured to the walls or floor, like fixed signs and lettering, or tanks.
Services to the Building
Underground and above ground services directly associated with the building.
Structural Improvements
Including poles, power lines and their supports, gates, fences and landscaping.
Natural Disasters
Add optional cover for damage caused by earthquakes, cyclones, and more.
- Machinery
- Dams and canals
- Railway tracks
- Land
- Bridges and tunnels
- Wharves, docks and piers
Why might you need Building insurance?
Business insurance isn’t mandatory in NZ for most businesses, but you may need a Building policy to do things like:
Rebuild or repair after a covered event
Replace fixtures and fittings
Repair or replace fences, gates or landscaping
Get your Building insurance sorted quicker than checking Monday morning emails.
Get your Public Liability insurance sorted quicker than a smoko break.
- Accountants & Tax Agents
- Tech Professionals
- Mortgage Brokers
- Marketing & Multimedia
If you don’t see your industry or occupation mentioned above, it doesn’t mean Building insurance isn’t an essential addition to your Business Insurance Package.
It only takes few minutes to find insurance that fits your business needs.
How much does Building insurance cost?
Building insurance costs $116 per month* on average, for BizCover NZ customers – but every business is unique.
The cost of a policy can vary based on how many employees you have, risks, insurance requirements and other factors.
The costs are real, get that new policy feel
$116/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Value of business buildings
Claims history
*Customer Average Monthly Payment Report is based on FY24 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Up to $3M of cover for Contents, Building, and Business Interruption (combined)
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Value of building(s) covered
Your annual turnover
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
$116/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Value of business buildings
Claims history
*Customer Average Monthly Payment Report is based on FY24 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from 3 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Up to $3M of cover for Contents, Building, and Business Interruption (combined)
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Value of building(s) covered
Your annual turnover
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
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How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ 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.
14000+ NZ
small businesses covered
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.
More types of cover
Hear from our customers
Real-life customer reviews verified by 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.
