Affordable Insurance For Small Businesses

Affordable Insurance For Small Businesses

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Business Insurance FAQs

... indemnity insurance? What is Business Insurance ? What is Business Insurance? What does business insurance cover? Do I need Business Insurance? Ready to sort out your Business Insurance? Your small business is ...

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Business Insurance

... 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 ...

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BizCover and Boost Your Business

... without the hassles of filling out complicated paperwork. Get the Right Cover for Your Business There's no “one size fits all” solution for small business insurance . That's why we offer a host of cover options to suit a ...

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Do I need Business Insurance

... insurances in place, you could risk putting your personal finances in jeopardy in order to pay any related claim expenses like compensation or legal fees. This is something no small business owner wants to experience ...

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What does business insurance cover

... party property or personal injury Known claims and circumstances What kind of businesses need business insurance? The reality is, if you are running a small business, you are going to be exposed to a variety of different ...

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What is Business Insurance

... with comprehensive coverage. Get more information If you would like to find out more about Business Insurance and all things small business-related check out our blog. It's full of insightful and useful articles to help ...

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BizSave

... by Industry At BizCover we understand there is no “one size fits all” solution for small business insurance, each business is unique so we provide different cover options for over 6,000 occupations across Australia. Find ...

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BizCover and n3

... 249 268. Get the Right Cover for Your Business Your business may be considered 'small', but it's big to you and big to us! We believe that getting your business insurance sorted should be simple and hassle-free, leaving ...

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Priceme

... Buy Online Instantly - No Paperwork Over 25,000 Policies Sold Compare and Save on Your Small Business Insurance Your business may be considered 'small', but it's big to you and big to us! We believe that getting your ...

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Frequently Asked Questions

... ensure we continue to be the No. 1 online business insurance service.We quote in New Zealand Dollars and all ... a problem for small businesses so we provide different payment methods to suit your business: 1.Credit ...

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6 Apps To Help Boost Small Business Productivity

... an app, at BizCover we know how pressed for time you may be as a small business owner and want to make arranging your business insurance* as drama-free as possible. Let us do the shopping around for you, providing quotes ...

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How To Start A Small Business On Etsy

... you can preview the shipping cost that the buyer will see based on this information. 6. Sort out your small business insurance While it may not be a requirement when operating an Etsy store in New Zealand, there are many ...

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How To Stay Motivated As A Small Business Owner

... is an issue for many small business owners. While you may not be able to control all the elements, one thing you can do to provide peace of mind is get your insurance sorted. At BizCover, we offer a range of different ...

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7 Money Saving tips for Small Business in NZ

... across different skillsets, ready to hire for your next project. 7. Get your small business insurance sorted No matter what kind of business you run, unexpected incidents and accidents can happen even to the best of us ...

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10 Ways To Help Protect Your Small Business

... from a variety of risks. At BizCover , we understand many types of small businesses and their unique business insurance needs. Insurance products purchased through BizCover span from the basics like Public Liability and ...

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Does your small business need an IT solution?

... if you're unable to trade for a number of hours or days due to an attack effecting your business.” Sorting out business insurance Being a small business owner often requires you to manage many different aspects of your ...

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Help Protect your small business' reputation

... but it can take just one small mistake to destroy your business in minutes. As Warren Buffet famously ... your good name. Cyber Liability Insurance Can you imagine trying to run a business without the internet? Pretty much ...

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Understanding Employers Liability Insurance

... different types of insurances available to cover aspects of your business, Employers Liability insurance* is one which ... . ii Creating a safe workplace As a small business owner, you have a responsibility to ensure your ...

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Do I need Public Liability Insurance?

... by the Accident Compensation Commoission) as a result of your negligent business activities. Understanding how Public Liability insurance can protect your small business doesn't need to be difficult, we've put together ...

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Public Liability Insurance Explained

As a small business owner, there is a lot to think about when running your own business. Whether it's ... And if you are doing business with another business, make sure they have public liability insurance too, so all's well ...

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What is Professional Indemnity Insurance?

... Court attendance Public relations What is not covered by Professional Indemnity insurance?* While Professional Indemnity insurance can provide small businesses with many important protections, it typically does not cover ...

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How much does Public Liability Insurance cost?

... an idea, we have put together a snapshot of how much a stand-alone Public Liability insurance policy can cost for a small business, by analysing data from BizCover policies sold over the course of 2017. Our data includes ...

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Insurance for IT Professionals

... choose from 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 ...

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How Cyber Insurance Protects Small Businesses

... information or a return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small business from some of the unwanted challenges of the online world! What is Cyber Liability ...

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How To Start A Small Business

... . Some of the typical kinds of business insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability Start your new business journey with peace of mind knowing your ...

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6 Reasons why some small businesses fail

... you should consider having in place if you want to be in business for the long run. This is where business insurance can play a vital role in safeguarding your small business. If a claim were to occur and you didn't have ...

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Turn your side hustle into a small business

... to buy and do you have the spare space to store it? Insurance -Have you got your business insurance policies sorted to financially protect your business from potential risks? Protecting your hustle You could take all the ...

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How Accountancy Insurance Protects Your Business

... at BizCover NZ we make it our mission to ensure that business insurance is easy - and fast for small business owners. BizCover NZ helps accounting small business owners throughout New Zealand to reduce the risks to their ...

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Business Interruption Insurance

... could play an important part in helping you manage potential risks to your small business.How much does Business Interruption insurance cost? Business Interruption cover is optional protection that can be added to a ...

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Insurance for Shop Owners

... claims 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 ...

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Insurance for Cleaners

... mind as a small business owner. Business insurance is designed to safeguard a variety of different cleaning businesses, to help you stay in business for the long-haul. Business Insurance for Cleaners Public Liability ...

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Saving Hacks- Business Insurance For Tradies

... time and money. Trusted by over 14,000 NZ small businesses, we're here to help make the lives of small businesses hassle-free when it comes to all things business insurance. *This information is general only and does not ...

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Insurance for Handyman

... suffered by someone or accidental damage to property due to your work. Public liability insurance is designed to protect small business owners against risks that arise and incur property damage, injury or loss to a ...

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Insurance for Beauty Salons

... can bring. Make Up Artists - Let's face it—anything can happen when you're running a small business! The right insurance cover can help make up artists manage common risks they might face as a beauty professional. And ...

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Tradie Guide to Public Liability Insurance

... more popular types of business insurance for small business owners, Public Liability insurance can benefit just about every kind of trade business. Public Liability insurance protects your business from claims by members ...

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Insurance for Allied Health Professionals

... more information Find out more about all things business insurance and running your own small business with our blog articles 5 Long term money saving tips for your small business https://www.bizcover.co.nz/5-long-term ...

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Tips On How To Better Your Business This Year

... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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How To Decrease Trades Business Costs And Risks

... increases that may be on the horizon. BizCover helps tradie small business owners throughout New Zealand to reduce the risks to their business via tradie insurance * . Visit our dedicated online destination for tradie ...

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Business Tips for Yoga Studios

... as tax accountants, a small business marketing professional, a lawyer, and a business advisor who, among other advice, can help you with your business insurance , including yoga insurance , which is uniquely designed ...

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Introducing Work From Home Insurance

... 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 staff over ...

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How to Open Your Own Retail Business

... business are essential. It's a big commitment starting a business, and a common mistake many small business ... and is required when insuring your stock with business insurance . Sales process Before you start selling your ...

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How To Grow Your Trade Business In 2023

... risks to their business via business insurance * , including Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your accounting small business without drama and ...

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What does Public Liability Insurance Cover?

... cause a claim? What is typically NOT covered by Public Liability insurance? What does Public Liability Insurance cover? No matter how big or small your business is, an accident can happen at any time. And sure enough ...

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Why do brilliant business ideas sometimes fail?

... for any claim damages. Protecting your business with business insurance is another risk management strategy that all small business owners need to consider. Regardless of the type of business you are running, there are a ...

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Do Dog Walkers Need Insurance?

... walkers for that privilege! Setting yourself apart in a crowded market is essential to any small business, including yours. Dog walking insurance could help establish you as the leader of the pack. Dog walking liability ...

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It's Time for an Insurance Health Check!

... or so and you're at that stage of where you want the business to be? Any changes in your business mean that there may be considerations for your insurance . Firstly, do you have the right types of cover and levels of ...

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Retailer Insurance

... 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 ...

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Cyber Liability Insurance Explained

... about. At BizCover, we understand many types of small businesses and their unique business insurance needs. Insurance products purchased through BizCover are there to help your business when you need it most. Our online ...

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Insurance Options for Retailers

... up shop due to a majorinterruption? Business interruption insurance, another BizPack option, provides cover for ... at the insured premises. Cyber Liability* Like most small businesses, there's a high chance you rely on the ...

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What does Public Liability Insurance Cover?

... sorted today At BizCover, we understand how busy life can get as a small business owner, and that's why we make getting your insurance sorted simple with no dramas. Jump onto our online platform, enter some details ...

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What is Public Liability Insurance?

... : 5 Tips for choosing the best policy for your business - Suggestions for choosing a Public Liability insurance policy to suit your small business needs. The difference between public liability and professional indemnity ...

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Statutory Liability Insurance

... .bizcover.co.nz/complete-guide-to-business-insurance/ 10 Ways to help protect your small business Let's face it, as a small business owner you are always wanting to ensure your business has the best protection in place ...

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8 Steps to Manage Anxiety for Psychologists

... your reputation to be damaged. Knowing that your small business is protected will help ease any anxiety you may have about this possibility. Insurance for psychologists typically includes Professional Indemnity which is ...

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Reviews related to Affordable Insurance For Small Businesses

  • 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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