... 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 ...
read more... 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 ...
read moreYou 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 ...
read more... investing in the right business insurances can save your business when ... ... with responding to or managing claims which are covered by the policy. Why is it important? No ... you . Contents, Building and Business Interruption insurance * You may also ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreGetting 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 ...
read moreYou shouldn't think of insurance just as an expense, instead ... ... large organisation they may stipulate that you have certain insurance to work for them. How would you keep your ... or her employment where the ACC does not provide cover for, your business and even personal assets might ...
read moreThe 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 ...
read more... 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 ...
read more... investing in the right business insurances can [] ... with responding to or managing claims which are covered by the policy. Why is it important? No ... you . Contents, Building and Business Interruption insurance * You may also ...
read more... 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 ...
read moreAs 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 ...
read more... your customers with Public Liability insurance is one of the most ... ... by the relevant associations to ensure you are adequately covered. A lot of contracts also have requirements for Public Liability insurance. For example, most building and work sites require trades people to present a ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... misconduct. You ve put in the hard work to build up your reputation and expertise, and all it takes ... cover will help safeguard your hip pocket. Typically your Professional Indemnity insurance policy will cover the ...
read morePublic 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... premium is likely to be Your business size and turnover The amount of insurance cover you require The individuals being covered - are they qualified for the job they are performing Previous claims history Traditionally ...
read moreMany 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreWhy 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 ...
read moreBuying any insurance, can be a confusing and ... to getting your Professional Indemnity Insurance, it can be even more ... hold a certain level of ... t understand the technical terms, speak to an insurance professional who can help you understand the meaning. Some policies will also cover: Lost Documents, Fidelity (cover for a loss due to employee's dishonesty ...
read more... 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 ...
read moreProfessional Indemnity Insurance (PI) can be ... explain what professional indemnity insurance is and why it might ... is Professional Indemnity Insurance may protect you from such action by covering claims for compensation made against you and legal defence costs up to your ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreAt 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 ...
read more... 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.
read more... their leads, sales and profits, we help you get your insurance to protect your business against potential pain-points. Being a ... Make sure your professional indemnity covers inadvertent breaches of intellectual property ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreWe 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 ...
read moreUnfortunately, 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 ...
read moreWith 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 ...
read more... -based new kids on the building block JAW Maintenance, are off ... Wellington-based new kids on the building block JAW Maintenance, are off to a winning start as receivers of the $2000 BizGiver Grant. Can they fix it? Yes, they can! JAW Maintenance is in the business of getting ...
read more... could to help defer their insurance payments and keep their livelihoods ... ... what we could to help defer their insurance payments and keep their livelihoods protected during ... room in our house, to a room in a friend's commercial building, to a very small shop in Kilbirnie Plaza and then to a ...
read more... 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 ...
read more... , 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 ...
read more... (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 ...
read more... 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 ...
read more... , 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 ...
read more... comes to claim on your insurance. When you're filling out ... ... of them as well. This will also help you to ensure that when you review your insurance, you have the right level of cover for your contents - because there is nothing worse than being underinsured when it comes to making ...
read moreIn 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 ...
read moreHere 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 ...
read moreFor 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 ...
read moreHere 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 ...
read moreHere 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 ...
read moreThe 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 ...
read moreThe 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 ...
read moreToday, 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 ...
read moreBased 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 ...
read moreNetworking 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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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.
PAMELA HARVEY
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
Medical
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
Manufacturing
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
IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE
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
| Building & Contents | Covers 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. |
| Theft | Covers your for loss or damage to contents through theft or attempted theft at your premises. |
| General Property | Covers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ. |
| Glass | Covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain. |
| Electronic Equipment | Covers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy. |
| Money | Covers 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 Transit | Covers 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 Dishonesty | Covers your business against losses incurred through fraudulent or dishonest acts by your employees. |
| Business Interruption | Covers 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 Disaster | Covers 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. |
