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Understanding Insurance, Part 3: Business Insurance

... look at Business Insurance, the different kinds of cover available and how ... business. What is Business Insurance*? Business Insurance ... Known claims and circumstances Business Insurance coverage types explained: Building* Building insurance provides cover for physical loss or damage to buildings you own and out of ...

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Insurance Options for Retailers

... wrong. Having the appropriate retailers insurance in place to protect your ... ... premises you are going to want to protect your bricks and mortar with Building insurance. Available through a BizPack, Building insurance covers your building if it was damaged as a result of a fire, storm, malicious ...

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4 Areas You May Not Have Thought Business Insurance Covers

You work hard to build your business. So it's ... . When insuring your business, consider cover to protect the following types ... ... Building If you own your building would you be able to afford to re-build or restore your building if ... include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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Business Insurance

... No matter what industry you're in, Small Business Insurance can be tailored to suit your business needs and ... earthquakes. Covers Explained Building & Contents Covers the cost of repairing or reconstructing buildings your ...

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Insurance options to protect your cleaning business

... your business has the right insurances in place for when things ... worked long and hard to build [] ... the right insurances in place for when things get messy. You've worked long and hard to build your ... choose the cover you want in a couple of mouse clicks. *As with any insurance, cover will be ...

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Business Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... aware of what isn't covered should also be considered, because ... ... the delivery of a service. Business Insurance - This can cover your work premises and contents against loss ... $800,000 property for $500,000 and a fire burns the building to the ground, you'll need to find $300,000 to ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... lines, build a ... insurances - public liability and professional indemnity - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers ...

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What Photographers Need to Know About Business Insurance

... a photographer and how business insurance can protect your business. Why ... do photographers need to consider insurance? Working with clients, ... -free quotes straight to your inbox in minutes. Jump online to find your business insurance today.  *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... your business liabilities or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not ...

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It's Time for an Insurance Health Check!

The end of financial year is a time for people to plans for the new financial year ahead. It's also a great time for business owners to take stock and do a bit of planning ... strategies still meet the needs of the business. While you're doing this it's a great time to review your insurances to ensure your cover also still meets the needs of your business. Here are a few considerations around ...

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What does Professional Indemnity Insurance cover?

... Protecting your professional reputation A lot goes in to building your small business and its professional reputation. The ... is when having the right Professional Indemnity insurance cover can help you stay in business for ...

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Insurance for IT Professionals

... Building and Contents - if you have an office, do you have insurance in place for your contents or any buildings ... on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following ...

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How Plumbers Can Protect their Business with Public Liability Insurance*

As a plumber you are faced with different challenges every day, one minute you're fixing a burst pipe, next youre unplugging a drain, no two days are ever the same! ... awarded to the victim. You've worked hard to build your plumbing business and the last thing you need ... Portable Equipment (or general property) insurance* can cover specified items such as tools, business ...

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Massage Therapy Insurance: here's why you need it!

... you've worked hard to build your business, so it only ... and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... career, and there's no doubt you've worked hard to build your business, so it only makes sense to protect it. ... Public Liability insurance protects you against claims from customers or other third parties by covering any ...

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Insurance for Beauty Salons

... building if you own it. Protecting the important things, like your beauty equipment, against any unforeseen events means you can get back to business in the wave of a mascara wand. Business Insurance can include cover ...

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Insurance for Hairdressers

... damage your business assets or building, you may be faced with having to close your doors for days, weeks or even months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and ...

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Insurance for Mortgage Brokers

... Insurance is designed to safeguard your contents and other physical assets (including your building if you own it) against unforeseen circumstances such as accidental damage, theft, fire, storm. You can also get cover ...

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Insurance for Architects & Designers

... a building blunder keep you awake at night. Why not compare quotes for Architects and Designer insurance today ... . BizCover's professional indemnity insurance offer covers occupations such as: Architect Interior ...

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What is Professional Indemnity Insurance?

... all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if, and when, you do slip up ... verbal description and specifications of the building project. When looking at the drawings ...

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Insurance for Accountants & Tax Agents

... When it comes to protecting your business assets, Business Insurance has a variety of covers available to safeguard the things that matter most. Consider your building (if you own it) and contents - could you afford ...

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Insurance for Engineers

... or natural disaster. A comprehensive business insurance policy for any engineering business can include cover for buildings, contents and portable equipment. A business insurance policy for an engineering business will ...

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Help Protect your small business' reputation

... hours establishing your name by building strong relationships with your customers ... ... ve spent countless hours establishing your name by building strong relationships with your customers and clients, but ... great benefit of Cyber Liability insurance is that it includes cover for the reasonable costs and ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... stipulates a minimum of $1m cover for ... it is worthwhile looking at your level of cover While the chance of making a claim is ... fully serviced and sewered section in corner location. Ready to build on.” They sell the house and the new owner transports ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business ... ... , these could put you out of business. With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any compensation claims, leaving your business free of ...

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Introducing our newest cover option: Personal Perishables Cover

... new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for the ... ... , even if nothing can replace my turkey sandwich,” ponders Gellar. This new type of cover will revolutionise the way insurance covers business individuals. In the past it has been only for larger claims and never at ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... figures. For example, looking at the data of almost 500 BizCover customers with PI insurance in 2017, you can see that the average cost of $750K of cover is more expensive than the average cost of a policy with $1M ...

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Understanding Insurance, Part One: Public Liability Insurance

... understand the importance of business insurance and the different kinds of ... off our series of Understanding Insurance [] ... * that may occur to a third party, resulting from your business activities. Public Liabil i ty insurance covers you: If y ou work from a home-based office Work out of your business premises At ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... dealing with a lawsuit or insurance claim. Fortunately, this is where ... Professional Indemnity insurance can provide protection when you ... part ... a stress-free process without the hassle. Jump online to experience insurance made easy today. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... Part 4 of our Understanding Insurance series we explore how Cyber ... Liability insurance can protect your business from ... ... a stress-free process without the hassle. Jump online to experience insurance made easy today.  *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... relationships and processes customer-sensitive (non public) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies—especially the exclusions—and you'll likely find ...

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What is Public Liability Insurance?

... for claims made against you where goods have caused damage or injury. Product Liability insurance covers you if any of these events happen to another business or person by the failure of your product or the product you ...

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How much does Public Liability Insurance cost?

... Your occupation The type and nature of your business Your business turnover and size The amount of insurance cover your business requires Other factors that could affect the cost of your Public Liability policy include ...

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Insurance for Allied Health Professionals

... Weight Loss Centres Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of personal injury or ...

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Insurance for Consultants

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 ...

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The difference between public liability and professional indemnity insurance

... and Public Liability insurance as the two types of cover can often ... cause confusion. Whilst both covers protect your business against legal ... by the court. With the right Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free ...

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Public Liability Insurance

... costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you ... ACC does not provide cover Legal and defence costs What is typically NOT covered? Injury to your ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... ... not to mention the damage it can cause to your reputation. Statutory Liability Insurance Statutory Liability policies are designed to cover your inadvertent breaches of NZ statutes for your legal defence costs and in ...

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Professional Indemnity Insurance

... of defending yourself could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such claims, including the costs of legal defence ...

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Employers Liability Insurance

... we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including ... a result of defending these claims Claims not covered by the ACC Claims examples Occupational stress and ...

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Statutory Liability Insurance

... their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, ... an offence under an insured statute. What is covered? Defence costs associated with alleged breaches of ...

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Cyber Liability Insurance

... crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the ... or loss of client information. What is covered? Investigation and data recovery costs Business interruptions ...

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BizCover expands its insurance offer and launches a new look

... buy professional indemnity and business insurance online Sydney, Australia - December ... , 2010. BizCover, the pioneer online insurance marketplace ... by giving BizCover's growing customer base of small businesses and trades the option of buying business insurance online. “We have learned through our interaction with over 10,000 customers, that the online shopping ...

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Insurance for Tradesmen

... of a trade association, make sure you check to see if there's a minimum level of cover required. Business Insurance Your tools are essential to your business and the very reason why you nail those jobs! Chances are ...

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Insurance for Painters

... this cost out of your own pocket. These expenses can add up over time and dig into your savings. Business Insurance can cover the cost of your tools and portable equipment if it is lost or stolen, or in the event of a ...

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Insurance for Real Estate Agents

... or its contents during an open home. It is relatively cheap cover for the amount of protection afforded. Business Insurance Business Insurance provides cover for your business assets from perils such as theft, fire and ...

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Insurance for Personal Trainers

... you know? Your professional indemnity policy covers the cost of defending allegations of professional negligence against you and not just the settlement amount. Insurance for Personal Trainers and Fitness Professionals ...

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Insurance for Recruitment Consultants

... is written on a 'claims-made basis'. This means that the policy provides cover for claims made during the period of insurance in respect of professional services provided after the retroactive date, subject to the terms ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they're real people doing real damage across the globe, especially ... the community could be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ, as it helps cover businesses against the expenses and legal costs that are associated with ...

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Insurance for Immigration Advisers

... Insurance for Immigration Advisers Professional Indemnity Insurance Professional Indemnity (PI) insurance provides ... specifically designed to meet the law requirements and cover the risks associated with their occupation.

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Insurance by Professions

... is why our comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of ...

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Insurance for Bookkeepers

... Bookkeepers need it? You focus on keeping your clients' books neat, and we focus on sorting out your business insurance. We know you are always busy helping your clients, therefore we made it easy for you to arrange your ...

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Insurance for Travel Agents and Tour Operators

... and Tour Operators need it? Sorting out your clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get quotes online in minutes from top NZ insurers- we ...

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Tear and Share: Our customers get even with their old insurance policies

We recently launched a campaign that showed how small business owners really feel about their expensive, archaic policies and encouraged them to get them out of their ... the way he'd say RIP to his old policy. Thankfully with BizCover, there's no nasty paper policies. Just hassle-free insurance, online, with all your documents emailed to you instantly. Switch & save on your business ...

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How to protect your small business from cybercrime

Unfortunately, there's no off season for cyber criminals who are always on the prowl, leaving no small business immune especially when it comes to obtaining financial ... be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your business against the expenses and legal costs associated with data breaches that ...

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10 Amazing Facts About Small Businesses in New Zealand

With New Zealand ranking #1 in the World Bank's 2017 Doing Business Report this year, it has proven to be an attractive place for small business owners. We have put ... NZ, you can see you are in great company! As a small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes from top NZ insurers in just a few clicks or a ...

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Tips for making a Stress-Free Claim for your business

... quickly as possible. Making an insurance claim can be stressful - ... ... for your business… Understand the Terms If you find sitting down to read your insurance policy cover to cover daunting, don't worry, you're not alone! At times it can feel like you are reading another language ...

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Customer Spotlight: Mosh

... , we can look after their insurance needs. Today we're looking ... ... leading social media agency, we can look after their insurance needs. Today we're looking at one of our ... “see social media as this big wave coming and wanted to build a business to get in front of it.” “We saw an ...

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Professional Indemnity Claims: when should I notify my insurer?

... (PI) insurance is no doubt one of the most vital covers you ... ... are a professional who provides advice or a service to your clients, your Professional Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don't quite go to plan it can ...

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Customer Spotlight - Krav Maga Wellington

... that people can develop confidence, build personal resilience, and be able ... ... Krav Maga Federation) and their aim is to teach self-defence skills so that people can develop confidence, build personal resilience, and be able to use these skills for self-protection. They strongly believe that anyone ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... provider of online professional indemnity insurance, has announced ... . “Eighty per cent of the New Zealand professional insurance market is concentrated amongst three insurers. BizCover's goal ... to compare and select the most appropriate cover in just minutes, and receive their policy ...

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... ... , you'll smile together. THE UPS AND DOWNS Insurers don't always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the truth is, we don't get a chance to focus ...

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Customer Spotlight - 7 glyphs

Here at BizCover we are continually impressed with the diverse range of small businesses we serve. As a result, we can't help but celebrate our customers and their businesses ... for his clients on their promise of building “beautiful, simple and highly functional products ... involved in every step of the way. Our goal is to build a software that adheres to the client's expectations from the design ...

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7 Ways to Grow Sales in a Café Business

For many caf owners, marketing is all about buying ads or finding the right coffee related meme to post on social media. While there's nothing inherently wrong with ... to be positive than someone who comes in once. Building the number of reviews on your business also helps push ... underestimate free coffee Local café businesses are built on regular customers. These customers might come ...

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World Chocolate Day Customer Spotlight - The Cookie Project

Here at BizCover, any opportunity for us to brag about how awesome our customers are, we'll take it. With today being World Chocolate Day, what better time is there ... who are looking to start their own business. “Anyone can start a business,” he said, “but not everyone can build a brand.” “So be authentic and find your ikigai, whereby what you do is what you're great at, what ...

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International Cookie Day Customer Spotlight - The Cookie Project

Here at BizCover, any opportunity for us to brag about how awesome our customers are, we'll take it. With today being International Cookie Day, what better time is there ... who are looking to start their own business. “Anyone can start a business,” he said, “but not everyone can build a brand.” “So be authentic and find your ikigai, whereby what you do is what you're great at, what ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... in unexpected payment for compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting ...

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7 Ways You Can Protect Your Business and Personal Information Online

The world today is digital, where you can now do everything, from reading books, listening to music, booking a taxi, pre-ordering your groceries for delivery and even ... but if it is too overwhelming it's worth considering cyber insurance for your business. Most cyber insurance policies will not only cover your business financially but will help organise the retrieval of information ...

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Customer Spotlight - MOA Bakery, Cakery

Today, for our Customer Spotlight, we're looking at MOA Bakery, Cakery, a small retail and wholesale bakery that specialises in vegan, gluten free, and refined sugar ... were no vegan options in any of the local cafes, so I started my business to provide some.” “We've built [ourselves] up from the weekly farmers market and a rented kitchen, to our own premises and being able to provide ...

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Provo Plastering Limited wins the 4th BizGiver Competition

Based out of the town of Taupo in the North Island, is Provo Plastering Limited. For 2 and a half years now, Helen and her husband Jonathan have been running their own ... recommended by clients, and the word of the quality of their work spreading, they secured jobs for big new builds and now currently find themselves working on a huge 3-level 600+ square metre hunting/fishing/skiing lodge ...

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5 Networking Tips to Help You Leverage Existing Contacts

Networking is a critical skill for any small business owner or employee looking to advance in a career. However, this term can apply to several types of activities. ... existing relationships when you are constantly bringing new energy and information into these encounters. Relationships are built over time. When people you know witness you constantly growing and striving to get the ...

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Reviews related to affordable building insurance cover

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • Efficient service with reminder notice well in time, when my cover was due to expire.

    Consultancy Occupations

  • Real easy to renew your cover and they email you a reminder.

    Joseph Caldwell
    Information Technology

  • Got my PI cover sorted within 15 mins over the phone.

    Kaushalya Samarasekera
    Information Technology

  • I found very efficant no hassle with doing quote or buying the cover

    Desmond Procter
    Trades & Services

  • Very slick and quick service with a great premium price for the cover. All done on-line with no long forms to fill in.

    Stephen Hutchins
    Information Technology

  • Very easy to get a quote and get cover. Great pricing and easy to understand.

    Ann-Maree Ozanne
    Accounting and Taxation

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations


    Janette Wallbutton
    Real Estate

  • All good and professional apart form the call back time. I was rushed into agreeing that I had read and understood things that I had not even seen. It would have been better to explain that the call was going to take over 10 minutes and there there were a

    Chris Boyce
    Information Technology

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Covers Explained

Building & ContentsCovers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for against fire and other perils.
TheftCovers your for loss or damage to contents through theft or attempted theft at your premises.
General PropertyCovers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ.
GlassCovers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
Electronic EquipmentCovers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy.
MoneyCovers money belonging to your business that is lost, stolen, or damaged whilst on your premises, in transit to or from your premises, or in your personal custody.
Goods in TransitCovers your goods (or goods that your are responsible for) whilst in transit in a vehicle owned or operated by you, against loss, theft or damage due to an accident or fire.
Employee DishonestyCovers your business against losses incurred through fraudulent or dishonest acts by your employees.
Business InterruptionCovers your for the loss of income & some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
Natural DisasterCovers for loss or damage to insured property caused by earthquake, hyperthermal activity, geothermal activity, subterranean fire, volcanic eruption, tsunami or the resulting fire caused by any of these events.