Affordable Building Insurance Deals

Affordable Building Insurance Deals

& Designers

    • Comprehensive industry specific policy wording
    • Multiple levels of cover to select from
    • Instant paperwork online

Insurance for Architects & Designers

... you can get straight back to the drawing board of grand designs! How much does architect's insurance cost? No two buildings are alike, and no two architects are alike either. Insurers use a range of different factors to ...

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Insurance for Mechanics

... From Public Liability insurance when dealing with third-parties to Professional Indemnity insurance for when ... Business Insurances to consider: Building insurance*- Covers physical loss or damage to your insured buildings ...

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Do I need Business Insurance

... why a retail business needs to consider business insurance. Dealing with the public means there is always a ... of your biggest business assets with Building insurance* Is Business Insurance a requirement? For some types ...

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Insurance for Carpenters

... damage. What Insurance Products Do Carpenters Need? Insurance can help build a solid framework ... repair or replace them. Plus, you might have unhappy clients to deal with if you're forced to delay or turn down projects ...

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Insurance for Education Consultants

... all the hard yards to become an educational professional and build your business, it makes sense that you have the ... Protect your business today. Public Liability insurance* Dealing with clients, suppliers and members ...

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Insurance for Hairdressers

... 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 ... the name of the guy who i dealt with but he was Awesome. Keep up ...

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Business Insurance

... you have put a lot of time and effort into building your business. Yet no matter how much you prepare ... there on your screen.  Seriously. Built for small business We know insurance and what makes small businesses tick. ...

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Saving Hacks- Business Insurance For Tradies

... particular event, a costly mistake no tradie wants to be dealing with. Whether you're a tradie taking out new policies ... premises has changed If you have Building or Contents insurance* for your business premises, you ...

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Insurance for Real Estate Agents

... business assets like contents and buildings. Why do Real Estate Agents ... insurance-part 2: Professional Indemnity insurance ...

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Statutory Liability Insurance

... hard at building. These factors combined with the time spent away from your business to deal with ... sorted. 10 Ways to help protect your small business Let's ...

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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 ... Thank you! Chenin M. Life Coach Easy to deal with competitive quotes John S. Management Consulting Service ...

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Insurance for Yoga Teachers

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

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Insurance for Bookkeepers

... insurance options, these are a few to consider: Contents: Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy Building ...

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Insurance for Painters

... 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 ... owner wants to deal with. Fortunately, there's an insurance for that- Tool ...

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Insurance for Cleaners

... but the time away from your business to deal with it, potentially in courts for weeks ... buildings you own, as a result of an insured event (such as fire, storm, wind). Business Interruption*: Business interruption insurance ...

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How much does Public Liability Insurance cost?

... of cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to ... online again Tony T. Builder – Commercial Building Construction Easy to renew with follow up by ...

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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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What is Professional Indemnity Insurance?

... costing 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

... violent entry to locked vehicles or locked buildings Theft of equipment securely attached to a ... simple guide takes a look at some of the key kinds of insurances you need to think about as a New Zealand tradie. https://www ...

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Insurance for Shop Owners

... choose BizCover for your shop insurance? Built for NZ small businesses We know insurance and what makes small ... Letitia W. Great service nice friendly and easy to deal with Andrea L . Nice simple process to buy online ...

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Insurance for Psychologists

... repair or replace them. Plus, you might have unhappy clients to deal with if you're forced to delay or turn down projects ... single policy. Psychologists may build a Business Insurance package that includes coverage for ...

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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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Insurance Options for Retailers

... assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent). Building Insurance and Glass cover* If you own your retail business premises you are going to want to protect your ...

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Complete Guide to Business Insurance

... . If you own your businesses premises, you are probably wanting to protect your biggest asset! That's where Building insurance comes into play. Your tools of trade are essential to getting the job done and being caught ...

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How Are Business Insurance Premiums Calculated?

... areas is the security features of your business. This is commonly asked when you are taking out a Building insurance* policy. The security features of your business are assessed and can determine the level of risk and ...

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What is Business Insurance

... if you own your business premises, you may want to consider protecting your biggest business asset with Building insurance. You may also want to look at protecting things like your stock and business assets with Contents ...

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How To Start a Mechanic Shop Business

... 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, e.g. fire, malicious ...

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What Is Inside A Business Insurance Pack?

... own their bricks and mortar might consider protecting one of their biggest assets with Building insurance Cyber Liability insurance is something that small business owners who interact online might like to consider. From ...

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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

... : Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance* Don't ...

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What Insurance do Beauty Salons Need?

... weather could damage your equipment, stock, and building itself. Break-ins, theft, and unplanned business ... salon is hard work, but insurance could help you protect what you've built. Insurance for beauty salons can shield ...

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Business Insurance Health Check Part 2

... of business activities your policy is in place for. Has your business premises changed? If you have a Building insurance* policy in place and have made alterations, increased security features etc, you may need to update ...

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Insurance for Sole Traders

... * may be something worth considering Protect your business' bricks and mortar with Building insurance* *This information is general only and does not take into account your objectives, financial situation or needs ...

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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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Cyber Liability Insurance

... cybercrime event were to occur. Get more information If you would like to learn more about all things business insurance or perhaps brush up on some tips to help your small business save time and money, head to our blog ...

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A Sole Trader's Guide to Building a Website

... It's a space to share testimonials, these help build your business' reputation and trust A website can help ... and mortar with Building and Contents insurance* too. Visit and get insurance for your sole ...

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Website Building Tips For Engineering Firms

... from and get tips if you do decide to build your own site from scratch. Consistency is important When ... with no-dramas! Visit and get insurance for your engineering business without the stress so you can ...

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Insurance for Beauty Salons

... landlord if you lease your business premises. Business Insurance Whilst your customers are vital to your business, so are your contents, stock, equipment and your building if you own it. Protecting the important things ...

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Why You Should Review Your Business Insurance

... policy to factor in this new equipment. The danger of under-insurance Underestimating the value of things like business buildings and assets for insurance purposes may in the short term save a few dollars each month ...

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Tradie Guide to Public Liability Insurance

... in order to obtain your trade licence. You may need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured as a result of your work or worksite, depending ...

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Insurance for Allied Health Professionals

... the things that help to keep your business going like business assets with contents, building and portable equipment insurance Holding valuable information like your customer files and data means it may be subject to ...

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Insurance for Recruitment Consultants

... 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). Business Interruption: Business interruption insurance provides cover for the ...

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Retailer Insurance

... , natural catastrophes or vandalism. Building : The policy covers the building and structure of your shop in ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Insurance for Plumbers

... job done right. Things like your business contents and building are essential to running your business. Take a ... d like to find out more on all things business insurance and some tips to help your plumbing business, these ...

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Insurance For Cafes and Restaurants

... assets in your café or restaurant. Building : c over for loss and damage to buildings you own, as a result of an ... . Insurance options for retailers ...

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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 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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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 Mortgage Brokers

... your success. Your reputation can take years to build. In the event of an accusation of professional ... Insurance Business Insurance is designed to safeguard your contents and other physical assets (including your building ...

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Do I need Public Liability Insurance?

... as compensation and legal fees. Without having Public Liability insurance , your business is at risk of having to ... higher the premium. For example, a large-scale building business with several projects on the go and a ...

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Do Hypnotherapists need Business Insurance?

... an easy target because they are typically far less protected than big corporations. Business Insurance If you own the building where you provide hypnotherapy treatments, you might want to consider insuring it as well ...

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What is Public Liability Insurance?

... bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk ... to occur. Consultants - Including building consultants, management consultants and advertising ...

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What Insurance Policies do Yoga Studios Need?

... extreme weather could 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 ...

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Business Insurance FAQs

... be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience The easiest insurance broker I have ever dealt with. Cameron S. Management Consulting Service “The website was informative and easy to read ...

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Insurance for Personal Trainers

... paperwork, get covered in minutes Why do Personal Trainers need Business Insurance? In the fast-paced, energetic fitness industry, no two days are the same. You deal with a variety of clients, each with their own unique ...

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What does Public Liability Insurance Cover?

... party property damage or personal injury. If you deal with people in any capacity from clients to suppliers and members of the public, then Public Liability insurance is an important form of protection worth considering ...

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Insurance for Consultants

... Accidental injury and property damage Public Liability Public Liability insurance is a no-brainer when it comes to offering consultancy services. When you are dealing with clients on a regular basis, whether at your ...

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Reviews related to Affordable Building Insurance Deals

  • Good service - a little pushy with the reminders

    Michael Alan Baylis
    Architecture & Surveying

  • Very easy process, prompt and competitive quote, would recommend to associates

    Wayne Smith
    Architecture & Surveying

  • Fast and reliable! Good customer service!

    Joem Baldesco
    Architecture & Surveying

  • Very quick polite and easy to deal with. Happy with service provided

    gary smith
    Trades & Services

  • Awesome experience. Talking to a real person that had a pleasant persona. Was just so easy and I think it was Aaron?? was great to deal with. Gave us some discount as we are recognised as an existing client which is always a good feel thing and also that

    Pete Halligan
    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

  • 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

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

    Peter Digby


    Janette Wallbutton
    Real Estate

  • 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

  • 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

  • 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

How much does architect’s insurance cost?

No two buildings are alike, and no two architects are alike either. Insurers use a range of different factors to determine how much you will pay for your insurance policies as an architect, meaning pricing varies based on the specific blueprint of your small business.

Some of the factors used to calculate premiums for Professional Indemnity and other forms of insurance for architects that you may consider include (but are not limited to):

  • The size of contracts your business takes on
  • Your risk management procedures
  • Your history of previous insurance claims
  • The amount of cover you want or need

Comparing quotes from multiple insurers can help you understand the Architect Insurance policies available to you and how much you can expect to pay for cover.

Did you Know?

That registered architects need to comply with strict criteria covering areas like insurance, health and safety and quality management systems.

Architects and Designers are also the first professions in New Zealand to require professional indemnity insurance to cover themselves in person for errors and negligence.

Insurance for Architects and Designers

Professional Indemnity

Professional Indemnity (PI) insurance provides essential financial protection for Architects and Designers to safeguard their businesses for claims made against them in carrying out their professional services or advice.  It provides cover for damages and claimant costs awarded against you, costs incurred such as legal and defence costs, claims investigation costs, inquiry attendance costs as well as public relations costs.

Professional Indemnity insurance may not be mandatory for Architects and Designers. However it may be a requirement to meet the conditions of many clients as well as tender processes.

BizCover’s professional indemnity insurance offer covers occupations such as:

  • Architect
  • Interior designer 

What is typically covered?

A small mistake in an architect’s work can have huge and expensive consequences. Professional Indemnity insurance helps shield architects and designers against a wide range of potential risks that could cripple your small business. These include:

  • Errors, mistakes and omissions in your work or professional advice
  • Missed deadlines and undelivered services
  • Professional negligence
  • Breaches of contract

What is not covered?

While Professional Indemnity insurance can help shield you against many claims resulting from your work, it does not provide protection for:

  • Intentional damage
  • Any circumstances or claims that are known before your insurance period begins
  • Acts of dishonesty and fraud
  • Accidental injury and property damage

Public Liability

Do you need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising from a claim of 3rd party property damage  or accidental injury (not covered by the ACC) as a result of you going about your business, even if you rent your premise.

What is typically covered?

Architects and designers may face many Public Liability claims in their day-to-day work. Public Liability insurance commonly covers:

  • Damage to a third-party’s property
  • Financial loss resulting from damage to a third-party’s property
  • Injury, illness or death (that is not covered by the ACC) that is caused by your negligence

What is not covered?

While Public Liability insurance can protect you against many common claims, it does not provide cover for:

  • Employee injuries
  • Damage to your own property
  • Compensation when a personal injury is covered by the ACC

Protect your business today.

Business Insurance

Your clients are your bricks and mortar, but where would your business be without the assets needed to help make their plans a reality? Not having the right cover in place could cost your company more than a pretty penny, creating a whole host of unwanted challenges.

Having some form of cover in place to protect your contents (including IT equipment), and premises from the risk of damage caused by fire, storms, theft, vandalism or even earthquakes, gives you peace of mind so you can sleep at night.

You can even add Business Interruption insurance which is designed to help your business get back into the game by covering the increased costs of running your business and lost revenue whilst it is out of action due to an insurable event.

Cyber Liability

As an architect or designer, your plans, designs are prized intellectual property it is what makes you stand out from the crowd. Unpleasant as it may be, but what would you do if a competitor found a way to steal your original designs?

Storing personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches.

Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management costs.

What is typically covered?

Cyber Liability can help your small business bounce back after a cyberattack, hack, or data breach. Policies typically cover:

  • Costs associated with investigating an attack and data recovery
  • Business interruptions costs
  • Fines and penalties
  • Extortion costs
  • Costs associated with PR and crisis management

Could this happen to your business?

An architect designed a house for an elderly couple and miscalculated the size of a cavity for a hidden sliding door. The builder of the house raised the issue early on but to no avail. The architect initially blamed it on poor print quality of the site plans and told the builder to carry on.

Near completion, it was clear that the particular doorway in the house that required access by a mobility scooter was not wide enough whilst the sliding door was “hidden”. The owners asked the architect to pay for all remedial costs that included moving walls and re-modelling an adjacent room. Fortunately, the cost of the professional error was paid for by insurers without having to appoint a legal defence counsel.


Why do architects and designers need insurance?

Insurance can help shield architects and designers against a variety of risks, from claims of negligence or damaging a client’s property to equipment breakdowns and cyber-attacks.

Architects and designers face many unique risks that insurance can help protect them against. They regularly give clients advice based on their expert knowledge and training, and often visit clients in their business premises or homes. They may also have their own offices to consider, including any equipment, tools, and client information that may be stored there. There are different insurances to protect against each of these risks. It may be wise as an Architect to explore insurances such as Professional Indemnity, Public Liability and Cyber Liability insurance.

In the event of a claim, without insurance, you could be left holding the bill for costly claims or lawsuits. The out-of-pocket expenses associated with legal action could be financially devastating for small business owners. Insurance could help architects and designers stay in business even if the unexpected comes their way.

How do I buy Insurance for my Architectural business?

Architects and designers are busy people with a lot on their schedule each day. That’s why BizCover has made it quick and simple for them to find, compare, and buy insurance to protect their small businesses.

In just minutes, you can compare multiple quotes from selected leading NZ insurers. There is no complex paperwork to fill in, and you can buy a policy whenever it fits your schedule, day or night. You’ll even receive your policy documents instantly, so you can get right back to work!

* * 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.

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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