Affordable Fire Protection Detection Professional Indemnity

Affordable Fire Protection Detection Professional Indemnity

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Professional Indemnity

... injury that is not covered by the Accident Compensation Commission (ACC). Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or ...

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What is Professional Indemnity Insurance?

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BizCover & NZTA

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Tradie Guide to Professional Indemnity Insurance

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Turn your side hustle into a small business

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Insurance for IT Professionals

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Insurance for Bookkeepers

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Insurance for Immigration Advisers

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Insurance for Consultants

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Insurance for Travel Agents and Tour Operators

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Insurance for Recruitment Consultants

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Insurance for Personal Trainers

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Insurance for Contractors

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Insurance for Counsellors

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Insurance for Designers

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Insurance for Education Consultants

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Insurance for Mechanics

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Public Liability Insurance

... injury that is not covered by the Accident Compensation Commission (ACC). Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or ...

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Business Insurance Health Check Part 2

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Insurance for Shop Owners

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What does Public Liability Insurance Cover?

... by the Accident Compensation Commission (ACC). Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond ...

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Insurance for Massage Therapy

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Insurance for Architects & Designers

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Insurance for Allied Health Professionals

... member rates. Insurance for Allied Health Professionals Professional Indemnity Professional Indemnity (PI) insurance provides essential financial protection for Allied Health Professionals for claims made against them in ...

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Insurance for Sole Traders

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Insurance for Carpenters

... professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. What is covered? A Professional Indemnity ... , fire and ...

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Statutory Liability Insurance

... Indemnity insurance is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI ... protection ...

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Understanding the risks for Real Estate Agents

... in your risk management approach. In the Real Estate Industry , Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions from ...

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Insurance for Mortgage Brokers

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Insurance for Real Estate Agents

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Insurance for Engineers

... for Engineers Professional Indemnity Professional Indemnity provides indemnity for professional errors ... you own, as a result of an insured event, e.g., fire, malicious damage. Contents* – Cover for loss of or damage to ...

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Insurance for Accountants & Tax Agents

... not covered? Professional Indemnity insurance does not provide protection for: Intentional ... ) and contents – could you afford to replace everything if a fire or storm were to destroy it all? Could your business keep ...

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Insurance for Beauty Salons

... fire, storm or earthquake (if you have taken out the earthquake option). Portable Equipment: if you operate your beauty salon on the run, Portable Equipment cover provides protection ... consider: Professional Indemnity - ...

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How Accountancy Insurance Protects Your Business

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How Insurance Can Protect Landscape Architect

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Insurance for Psychologists

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BizCover and NSNZ

... unexpected event, like fire, storm, theft, natural disasters and accidental damage. Professional Liability Package for Nutritionists The NSNZ Liability package includes cover for Professional Indemnity, Public Liability ...

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Business Insurance FAQs

... you may have about business insurance policy. From understanding the ins and outs of your Public Liability, Professional Indemnity or Business Insurance policy our FAQ's can guide you to find the answers you need. Can't ...

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BizCover and Reflexology NZ

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How To Start a Psychology Practice

... which are covered by the policy. Read more about professional indemnity insurance with BizCover NZ . Public Liability*: Public Liability insurance provides protection for you and your business if a client, supplier ...

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What Risks Do Psychologists Face?

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What are the Risks in Running a Yoga Studio?

... business from. One such popular form of protection for yoga instructors in New Zealand is insurance ... Professional indemnity incidents Professional indemnity incidents are incidents directly related to the professional ...

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Hair Salon Business Tips

... to your public relations. You can do many things as a small business owner to minimise risk. But having Professional Indemnity cover is essential to protect your salon and mandatory if you are a member of the New Zealand ...

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What Insurance Policies do Yoga Studios Need?

... Professional Indemnity insurance offers important protections for businesses that provide specialist services or professional ... fire, theft or accidental damage). Your Business Insurance policy may include protection ...

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What Insurance do Beauty Salons Need?

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Do Hypnotherapists need Business Insurance?

... feel you acted negligently while treating them. Professional Indemnity insurance covers you for losses claimed by a ... premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A ...

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Insurance for Yoga Teachers

... such as these for your yoga business: Professional Indemnity* Your students and clients value your expansive ... your business following an insurable event, such as a fire or property damage. These policies can also help your ...

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Help Protect your small business' reputation

... but your reputation too. And let's face it, we are all human and mistakes do happen. Fortunately, Professional Indemnity insurance is designed to protect your business should you or your staff make an error, omission, or ...

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BizCover and Massage New Zealand

... be held liable. A Professional Liability Package provides important financial protection in the event of a ... Professional Indemnity , Public Liability , Statutory Liability and Employers Liability . Professional Indemnity ...

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Why You Should Review Your Business Insurance

... Professional Indemnity *: is an important form of protection for businesses that provide specialist services or professional ... value of $800,000 for $600,000 and a fire burns the building to the ground, you'll need to ...

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Work Smarter as a Massage Therapist

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How to Market Your Hair Salon Business

... . To be considered a member of the non-profit organisation, you must hold an active Professional Indemnity insurance* policy. Professional Indemnity cover is designed to protect your business against negligence or ...

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4 Tips For Starting An Online Business

... If you conduct an online service or your business involves providing professional advice, you have a duty of care to your clients. This is where a Professional Indemnity policy can come in handy, as it will pay for your ...

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How much does Public Liability Insurance cost?

... policies, as opposed to the Liability packages that we have negotiated with our insurers to combine Professional Indemnity and Public Liability cover which offer much more competitive premiums. It is also important to ...

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What is Public Liability Insurance?

... . The difference between public liability and professional indemnity insurance - Public Liability and Professional Indemnity insurance provide different forms of protection to small businesses that are both important ...

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How to Start a Sole Trader Business

... , and what you need to look at protecting it from. For some industries insurances like Public Liability and Professional Indemnity* may be a required to be in place before you can conduct business. If you are ever unsure ...

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How To Start An Engineering Firm

... bodies and to meet certain industry standards/ guidelines you may be required to have your own Professional Indemnity insurance* policy. To get an accurate idea of how much insurance for your engineering firm may ...

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BizCover and Boost Your Business

... business. Protect your business today. Professional Indemnity insurance* Protects your business and your ... damage losses suffered from an unexpected event like fire, theft, storm, natural disasters and accidental damage ...

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Guide To Setting Up A Massage Business At Home

... insurance products you may want to consider. Professional Indemnity insurance * is a type of cover that ... Liability insurance comes in as it's designed to provide protection for you and your business in the event a client, ...

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Tips and Tricks for Massage Therapists

... due to your ineffective or incorrect service, you could be held liable.Luckily, this is where Professional Indemnity insurance comes in. It protects against financial losses for legal action taken against you due to a ...

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How To Market Your Accounting Business Online

... reduce the risks to their business via business insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. Visit bizcover.co.nz and get business insurance for your ...

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How To Get More Accounting Clients

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Reviews related to Affordable Fire Protection Detection Professional Indemnity

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

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

    Kaushalya Samarasekera
    Information Technology

What does insurance for
Professional Indemnity cover?

  • Damages and claimant costs
    awarded against the insured
  • Legal and defence costs
  • Claims investigation costs
  • Inquiry attendance costs
  • Public relations costs
  • Intentional damage
  • Known claims and circumstances
  • Fraud and dishonesty
  • Bodily injury / property damage

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A quantity surveyor went to an onsite meeting and misunderstood the verbal description and specifications of the building project. When the time came to pay, the estimate was out by many thousands of dollars.

The Project Manager looked to the quantity surveyor who had made the error and asked him to pay for the variation of cost. The surveyor’s insurer and made a quick settlement offer.

The potential liability in this case was greater than the fees actually earned for the job. Remember, a $1,000 fee contract can potentially generate millions in liability if something goes wrong.**

Could this happen to your business?
While we may strive for perfection, making mistakes is a part of the human condition. But since your clients rely on your advice, a mistake in your line of work could be costly. Professional Indemnity Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations.

BizCover offers Professional Indemnity policies from a range of insurers with cover limits from $250K to $10M.
When determining how much cover you need, consider the following:

Are there any statutory requirements for your profession?

Are you a member of a professional body or association with a set requirement to hold PI insurance? If so, how much cover do they require you to have?

Do any of your work contracts specify that you must hold a certain level of PI insurance?

What is the value of the jobs that you perform?

What are the potential risks (i.e. what could go wrong?) and what are the potential costs to rectify any mistakes?

What would the legal and investigation costs
add up to if any action was taken against you?

Ensure you review your insurance regularly to assess your exposure risk and increase your level of cover accordingly.

Why choose BizCover?

As one of New Zealand’s leading online SME business insurance platform, our task is to make Professional Indemnity insurance a stress-free experience. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your PI Insurance.


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Frequently asked questions

It’s a common misconception that Professional Indemnity insurance is only for accountants or, lawyers.. While these professions often do require PI cover, there are many fields that may need the protection Professional Indemnity insurance provides. If your job directly involves providing your professional advice or service, you have a duty of care to your customers.
An example of some professions that may require PI cover are: health practitioners, IT contractors, management consultants, accountants and real estate agents among many others.

Professional Indemnity cover may be necessary for:

  • Anyone who provides paid professional advice or services to any business or individual
  • Contractors who work for the government or other organisations whereby insurance is mandatory as a condition of the contract

The cost of Professional Indemnity insurance depends on a number of key factors including:

  • The type of business you operate
  • 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

The simplest and most accurate way to find out how much a Professional Indemnity policy would cost for your business is to compare quotes to cover your business and its unique insurance needs.

Public Liability insurance protects you and your business against the financial implications if you are found liable for loss or damage to other people’s property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).

Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

Like other insurance policies there are a number of important conditions and obligations under your insurance contract that you need to understand.

Professional Indemnity insurance is issued on a ‘claims made and notified’ basis, meaning the policy responds to claims first made against the insured during the active policy period, and notified to the insurer during the policy period. In a nutshell for a claim to be considered, your policy must have been active at the time the allegation was made against you, and when the claim is lodged.

One of the vital conditions of a Professional Indemnity policy is that you may be required to give information around any circumstances that may give rise to a claim to your insurer. You have an obligation to inform your insurer as soon as practically possible once you become aware of any situation which could possibly result in a claim.

Failure to notify your insurer as soon as reasonably possible could lead to your claim being denied. So, even if you’re unsure whether it’s worthy of letting them know or not, it’s in your best interests to do so.

Have a question? Here to help

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

Sales Team Enquiry
0800 249 268
Regular Hours:
Mon – Fri 9:00 AM – 9:00 PM | Sat 11:00 AM – 7:00 PM

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.

*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)*

* The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this article is general only. Coverage for claims on the policy will be determined by the insurer, not BizCover, and will depend on the specific facts and circumstances involved.

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