Contents (Property) Insurance

Cover for the things you need to succeed.

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What is Contents insurance?

Contents insurance (sometimes called Property insurance) covers loss of or damage to items such as business equipment, stock, plant and machinery,   records, fixtures and fittings and furniture belonging to you at the insured location. 

Fire, burst pipes, accidental damage, events like these (and plenty of others) could ruin business property -and replacing it might cost you a small fortune! That’s why you may want to consider Contents insurance to help you cover this unexpected expense.   

What does Contents insurance cover?

Covered

Natural Events

Like storm damage, wind, lightening and earthquake.

Covered

Fire and Water

Caused by burst pipes, sprinklers, or fixed tanks (flood excluded)

Covered

Accidental and Impact Damage

Including damage caused by vehicle accidents

Covered

Malicious Damage

Including vandalism

  • Wear and tear or gradual deterioration
  • Damage caused by insects or animals
  • Machinery breakdown
  • Pollution
  • Faulty design or workmanship
  • Intentional damage caused by you
  • Rust, mould or mildew
  • Computer virus or hacking
  • Anyone deliberately switching off the power supply

Why might you need Contents insurance?

Business insurance isn’t mandatory in NZ for most businesses, but you may need a Contents policy to replace things like:

Trading stock

Business furniture, machinery, or equipment

Goods held by you on consignment

Business documents and records

Get your Contents insurance sorted quicker than sorting the office lunch order.

Get your Public Liability insurance sorted quicker than a smoko break.

The 3 industries who purchase Contents most:

Trades

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

Retailers

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

Hospitality

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

If you don’t see your industry or occupation mentioned above, it doesn’t mean Contents insurance isn’t suited for your business.

It only takes few minutes to find insurance that fits your business needs.

How much does Contents insurance cost?

Contents insurance costs $56.75 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.

Expected average cost

Get cover that works with the risks of your business

You can select from 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)

Business Interruption coverage level

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

The value of your business property

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.

Expected average cost

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)

Business Interruption coverage level

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

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.

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.

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

Business Interruption Insurance
Business Interruption Coverage
Professional Indemnity Insurance
Public Liability Insurance
Business Insurance Package
BizPack Coverage

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.