Affordable Building Insurance Cover

Affordable Building Insurance Cover

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What does business insurance cover

... premises are most likely one of your most valuable assets that you will want to insure. Building insurance covers your building if it is damaged as a result of a fire, storm, malicious activity or another defined ...

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What is Business Insurance

... look at some of the typical types of Business Insurances and how they can help to protect your small business. Building* Covers the cost of repairing or reconstructing buildings your business owns as a result of fire and ...

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Do I need Business Insurance

... your biggest business assets with Building insurance* Is Business Insurance a requirement? For some ... how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around ...

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Business Insurance

... many different insurance products that you can tailor to the needs of your business. From your building, the contents of that building and the data that your business relies on. What it typically covers Material damage ...

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BizCover and n3

... physical assets of your business, including any buildings you own, your contents, stock and equipment ... protecting it with the right cover. Protect your business today. * * As with any insurance, cover will be subject to ...

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Business Insurance FAQs

... quotes from New Zealand’s leading insurers today. Protect your business today. * * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

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BizSave

... your business. ** terms and conditions apply - click here to read more. * * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained ...

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BizCover and Boost Your Business

... of his or her employment where the Accident Compensation Commission (ACC) does not provide cover. * * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording ...

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Priceme

... . Really easy and have referred several colleagues to you over the years. Judy O. Quick and hassle free insurance cover for small businesses. Kelvin C. What more could you ask for - easy to use website, very helpful ...

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Frequently Asked Questions

... .We are focused on making things simple for our customers, which means cutting out unnecessary work. Auto renewals mean we do all the work and renew the policy so that our customers can relax knowing that their cover ...

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Complete Guide to Business Insurance

... overview of some of the main types of business insurance and what they provide protection from. Building Building insurance provides cover for physical loss or damage to buildings you own and out of which you operate ...

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What Insurance do Beauty Salons Need?

... and commercial premises when an insured event occurs. Your Business Insurance policy can be customised to include different forms of cover, such as: Building Insurance - Covers physical loss or damage to your insured ...

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How Are Business Insurance Premiums Calculated?

... of coverage you have in place, and would this be sufficient cover if a claim were to occur. The number of staff ... commonly asked when you are taking out a Building insurance* policy. The security features of your business ...

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Insurance Options for Retailers

... 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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What Is Inside A Business Insurance Pack?

... of the types of businesses that may consider the different types of coverages. Building insurance: Covers physical loss or damage to your insured buildings as a result of an insured event (such as fire, storm, flood and ...

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Insurance for Mechanics

... need Insurance? Whether you're a freelance mechanic, own your own garage or do custom builds, there ... Business Insurances to consider: Building insurance*- Covers physical loss or damage to your insured buildings as ...

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Business Insurance Health Check Part 2

... your business premises changed? If you have a Building insurance* policy in place and have made alterations, increased ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Insurance for Counsellors

... which you may need to consider when protecting your counselling business include: Building insurance* – Covers physical loss or damage to your insured buildings as a result of an insured event (such as fire, storm, flood ...

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Insurance for Sole Traders

... Protect your business' bricks and mortar with Building insurance* *This information is general only and ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions ...

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What does Professional Indemnity Insurance Cover?

... - something that you've worked hard to build and something that is worth protecting. These claims ... bill like that is very difficult to cover without the protection of the right insurance. What actions could result in a ...

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Insurance for Bookkeepers

... Building: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Portable Equipment: Portable Equipment insurance (also known as General Property insurance) covers ...

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Insurance for Real Estate Agents

... estate world is competitive, and you've worked hard to build your business and its reputation, the last thing you want ... financial situation or needs. As with any insurance, cover will be subject to the terms, conditions ...

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Insurance for Architects & Designers

... grand designs! How much does architect's insurance cost? No two buildings are alike, and no two architects are ... of 3 rd party property damage or accidental injury (not covered by the ACC) as a result of you going about ...

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Insurance for Engineers

... circumstances. Some of the different types of business insurance options you may want to consider for your engineering business include: Building* – Covers you for loss and damage to buildings you own, as a result of an ...

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How much does Public Liability Insurance cost?

... New Zealand BizCover customers * As with any insurance, cover will be subject to the terms, conditions and ... process online again Tony T. Builder – Commercial Building Construction Easy to renew with follow up by phone ...

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Employers Liability Insurance

... in endless complex forms. Built for small business At BizCover we know what insurance employers need. We also ... Ph. 0508 249 268. * * As with any insurance, cover will be subject to the terms, conditions and exclusions ...

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Insurance for Tradies

... see if there's a minimum level of cover required. Business Insurance* Your tools are essential to your business and ... from your computer. Built for small business At BizCover we know what insurance tradies need. We also ...

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A Sole Trader's Guide to Building a Website

... a space to share testimonials, these help build your business' reputation and trust A website ... Cover and protecting your bricks and mortar with Building and Contents insurance* too. Visit bizcover.co.nz and get insurance ...

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Website Building Tips For Engineering Firms

... can learn from and get tips if you do decide to build your own site from scratch. Consistency is important When it comes ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Why You Should Review Your Business Insurance

... Some of the different types of Business Insurance options may include: Building * Property (Contents) * Business Interruption * Portable Equipment * Cyber Liability Insurance* - Covers you for losses from claims arising ...

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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 Allied Health Professionals

... Building: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Portable Equipment: Portable Equipment insurance (also known as General Property insurance) covers ...

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Insurance for Recruitment Consultants

... in the policy Building: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Business Interruption: Business interruption insurance provides cover for the loss ...

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Retailer Insurance

... valuable assets in your retail outlet. Business insurance can cover you for: Contents and stock : Protects ... , natural catastrophes or vandalism. Building : The policy covers the building and structure of your shop in ...

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Insurance for Plumbers

... other defined event listed in the policy Building* : Cover for loss and damage to buildings you own, as a result of ... like to find out more on all things business insurance and some tips to help your plumbing business, ...

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Insurance for IT Professionals

... a range of competitive prices right there on your screen. Built for small business We know insurance and what makes small businesses tick. And we understand what cover IT professionals need. So it's really a no-brainer ...

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What Insurance Policies do Yoga Studios Need?

... damage your building, equipment, and retail stock. You might also want protection against break-ins, theft, and unplanned business interruptions. Business Insurance is a coverage package designed to provide cover for ...

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Do I need Public Liability Insurance?

... today. How much Public Liability insurance do I need? The level of cover your business requires will depend on ... higher the premium. For example, a large-scale building business with several projects on the go and a ...

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Insurance For Cafes and Restaurants

... in your café or restaurant. Building : c over for loss and damage to buildings you own, as a result of ... wording, anywhere in New Zealand. A Business Insurance policy includes cover for losses to and caused by perils such ...

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Statutory Liability Insurance

... reputation, something you have worked long and hard at building. These factors combined with the time spent away from ... financial situation or needs. As with any insurance, cover will be subject to the terms, conditions ...

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Insurance for Immigration Advisers

... of the different types of business insurance coverages you may need to consider when it comes to protecting your immigration advisory business. Building* – Covers you for loss and damage to buildings you own, as a result ...

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Insurance for Travel Agents and Tour Operators

... are some of the typical types of business insurance coverages you may need to consider when it comes to protecting your travel business. Building* – Covers you for loss and damage to buildings you own, as a result of an ...

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Insurance for Painters

... event listed in the policy Building* : Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). What Business Insurance typically covers Material damage loss for your ...

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Insurance for Cleaners

... in the policy Building*: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind). Business Interruption*: Business interruption insurance provides cover for the loss ...

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Do Hypnotherapists need Business Insurance?

... about the types of risks that Public Liability insurance covers. However, a patient can be injured or ... protected than big corporations. Business Insurance If you own the building where you provide hypnotherapy treatments ...

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Saving Hacks- Business Insurance For Tradies

... make a claim only to find out that you are not covered for that particular event, a costly mistake no tradie wants to ... premises has changed If you have Building or Contents insurance* for your business premises, you ...

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Insurance for Mortgage Brokers

... can take years to build. In the event of ... covered by the ACC Protect your business today. Business Insurance Business Insurance is designed to safeguard your contents and other physical assets (including your building ...

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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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Tradie Guide to Public Liability Insurance

... need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Insurance for Yoga Teachers

... they are lost, damaged or stolen. Portable Equipment insurance covers loss and damage to your tools and equipment ... to consider protecting the stuff you keep inside the building. Your equipment (like mats and yoga blocks) ...

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What is Public Liability Insurance?

... to occur. Consultants - Including building consultants, management consultants and advertising consultants ... Insurance Cover? - A closer look at what is typically covered and not covered by most Public Liability insurance ...

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What is Professional Indemnity Insurance?

... you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when ... the verbal description and specifications of the building project. When looking at the drawings, he ...

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Tool and Portable Equipment Insurance

... and violent entry to locked vehicles or locked buildings Theft of equipment securely attached to a ... you over the years. Judy O. Quick and hassle free insurance cover for small businesses. Kelvin C. What more could you ask ...

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Insurance for Photographers

... how your portable property is required to be securely stored for it to be covered by your insurance. * * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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Tradies Guide to Business Insurance Packages

... be custom-built to fit the specific risk profile for the industry you work in, and the amount of cover required can vary from one business to another. And it's worth noting that Public Liability insurance doesn't ...

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Insurance for Shop Owners

... history Your shop's location Why choose BizCover for your shop insurance? Built for NZ small businesses We know insurance and what makes small businesses tick. We cover over 10,000 SMEs in NZ… and counting. Clear and ...

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Public Liability Insurance

... your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in ... from your computer. Built for small business We know Public Liability insurance. We also know ...

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How To Start a Mechanic Shop Business

... them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover. Building Insurance*- Covers you for loss and damage to buildings you own, as a result of an insured event ...

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Why do brilliant business ideas sometimes fail?

... Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance* It ...

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6 Reasons why some small businesses fail

... lost to cover the ... insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance ...

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What does Public Liability Insurance Cover?

... only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

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What does Public Liability Insurance Cover?

... and your business can be adequately protected. What is typically NOT covered by Public Liability insurance? While Public Liability insurance covers your business for a variety of claims, there are some situations that ...

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How Cyber Insurance Protects Small Businesses

... only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

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How Insurance Can Protect Landscape Architect

... 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. © 2023 BizCover ...

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Cyber Liability Insurance

... only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

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Do Dog Walkers Need Insurance?

... 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. © 2022 BizCover ...

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How Accountancy Insurance Protects Your Business

... 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. © 2023 BizCover ...

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Reviews related to Affordable Building Insurance Cover

  • Prompt, professional, ease of purchase…and competitive pricing

    Viraj M.

  • I have already given feedback. Really easy and have referred several colleagues to you over the years

    Judy O.

  • Quick and hassle free insurance cover for small businesses.

    Kelvin C.

  • I rang several insurance brokers/company and this was the one that gave me the quickest, easiest quote without having all my personal detail and having to wait for someone to call me back! Thanks.

    Sharon

  • Easy process with reminders coming through on when to renew insurances by.

    Brett S.

Did You Know?

Business Insurance policies are made up of many different insurance products that you can tailor to the needs of your business. From your building, the contents of that building and the data that your business relies on.

What it typically covers

  • Material damage loss for your physical assets
  • Financial loss due to Business Interruption

 

Choose cover options below!

What is NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Claims arising from damage to third party property or personal injury
  • Known claims and circumstances

Protect your business today.

Cover Explained

Select the cover options needed for your business:

Building*

Building cover protects you from the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils.

This includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping. You also can get optional cover for natural disasters, including earthquake cover**.

Contents*

Property (Contents) cover protects you from the loss or damage to your contents, stock and equipment caused by fire and other perils.

It includes cover for money, theft equipment breakdown and seasonal stock increase. It also covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.

You can also get optional cover for natural disasters, including earthquake cover**.

Cyber Liability*

Cyber liability insurance is a type of business insurance product which covers your business against both the legal costs and expenses, including compensation payments, related to cybercrime incidents. Your coverage may include cover for expenses and legal costs relating to data breaches, theft or loss of client information, business interruption costs, forensic investigation, data recovery, extortion, and fines and penalties.

It also could generally cover crisis management costs to restore your businesses reputation after an attack or data breach and legal costs from any ensuing civil action taken against you or your company.

Business Interruption*

Business Interruption cover protects you from the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.

You can also get optional cover for natural disasters, including earthquake cover**.

Portable Equipment

Portable Equipment cover protects you from the loss or damage to portable equipment, tools and valuable property anywhere in New Zealand. You can select your own cover limit and cover the loss of things like laptops and mobile phones anywhere in the world
Covers loss or damage of laptops and mobile phones anywhere in the world.

How much does Business insurance cost?

No matter if you sell fishing tackle or lollipops, no two small businesses are the same. Each business has its own set of risks to deal with and these risks effect what cover you may need. That’s why there isn’t a stock-standard price of business insurance. When calculating the price of your policy, there are many factors that are taken into consideration.

Some of these may include:

  • The size of your business
  • How many staff you have
  • The type of small business you are running
  • The type of coverage you take out
  • Your excess
  • The level of cover
  • Your claims history
  • Your shop’s location

Why choose BizCover for your business insurance?

At BizCover, our task is to make business insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your business insurance.

New Zealands’s number one online insurance business

We take pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

You can compare and choose from a range of competitive prices right there on your screen.  Seriously.

Built for small business

We know insurance and what makes small businesses tick.

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

Frequently Asked Questions

Is Business Insurance Mandatory?

While there is the flexibility to choose what sort of cover you want for your business and the level of cover, there may be some situations where certain types and levels of cover are mandatory.

For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially within the government sector. This is sometimes the case when becoming a member of certain industry bodies and boards.

Does Personal Insurance Cover Business Insurance?

It’s important to be aware that your personal insurance may not cover your business assets or property. If you have a home-based business, things like your home and contents insurance policy may not extend to provide cover for any liabilities which may relate to your business. You should check your policy details to check on coverage.

How do I make a claim on my insurance policy?

Need to make a claim? No dramas! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268

*This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975).
**Cover for natural disasters is subject to the location of your business and is not available to all postcode areas.
Sub-limits and conditions apply. Refer to the policy wording.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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