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Why do Consultants need it?

You offer expert advice to your clients, we offer expert insurance to cover it. Compare competitive quotes for your consultancy business, online or over the phone, select your preferred policy and get covered instantly.

Did you Know?

To become a sole trader in New Zealand, you must have:

  • A personal IRD number for paying income tax and GST
  • Relevant government licences and permits that your business may require
  • Qualifications or registrations for your trade or profession.

You will also need to advise Inland Revenue that you’ve become a sole trader and you’ll need to register for GST if you earn over $60,000 a year.

Source: https://www.business.govt.nz/getting-started/choosing-the-right-business-structure/becoming-a-sole-trader/

Insurance for Consultants

Professional Indemnity

Giving advice or providing recommendations doesn’t come without risk. That’s why Professional Indemnity (PI) insurance is designed to provide the essential financial protection you need as a Consultant, to safeguard your business for claims made against you if you make a mistake, or are perceived to have made a mistake. After all, your business is your livelihood, so protecting it is paramount.

Our comprehensive Professional Indemnity insurance covers a broad range of consultancy occupations, including:

  • Advertising
  • Agronomist
  • Communications consulting
  • Compliance
  • Conveyances
  • Corporate
  • Fire and Safety
  • Forestry
  • Funeral Directors
  • Geological
  • Horticultural
  • Human resources / training services
  • Marketing / public relations
  • Marriage Celebrant
  • Mediators
  • Mineral Industry
  • Organisational structure & change management
  • Public relations
  • Risk Management
  • Strategic business planning
  • Title / Legal Searchers
  • Translator
  • Workflow processes & procedures

Public Liability

Public Liability insurance is a no-brainer when it comes to offering consultancy services. When you are dealing with clients on a regular basis, whether at your office or theirs, you will be exposed to many potential mishaps – something as simple as accidentally spilling coffee all through a clients laptop could end up costing you a couple of thousand dollars.

Public Liability insurance will protect you from any financial losses which may arise from a claim of third party property damage or accidental injury (not covered by the ACC) to save you from having to pay from your own hip-pocket.

Business Insurance

Your clients are your bread and butter, but where would you be without your business assets? Business Insurance allows you to select the types of coverage that best suit your business, like contents, to protect against fire, earthquake, theft, vandalism and accidental damage.

Cyber Liability

Chances are you store valuable and sensitive client information online, which you need to protect. In today’s digitalised world, cybercrime and data breaches are common. Sensitive data can be compromised, resulting in very expensive costs, not to mention the potential irreparable damage it can cause to your business’ reputation.

Cyber Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and if sensitive client information is stolen.

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