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Insurance for IT Professionals

... Systems Audit Systems Integration Telecommunication Services Troubleshooting Public Liability Chances ... and Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? Could ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... you provide specialist advice and services for a living. No matter ... dealing with a lawsuit or insurance claim. Fortunately, this is ... where ... good. These are some examples of when you may need Professional Indemnity insurance: If you provide paid professional advice or services to a business or an individual If you work as a contractor ...

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Understanding Insurance, Part One: Public Liability Insurance

... understand the importance of business insurance and the different kinds of ... off our series of Understanding Insurance [] ... any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance? While you may take all the care in the world to create a safe environment, the reality is ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... Part 4 of our Understanding Insurance series we explore how Cyber ... Liability insurance can protect your business from ... ... or from the theft or loss of client information. Why do I need to consider Cyber Liability insurance? A common misconception is that hackers only go after the big fish but when it comes to ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk ... cover? The worst case scenario from the advice or service you provide - what are the maximum damages a ...

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What Photographers Need to Know About Business Insurance

... a photographer and how business insurance can protect your business. Why ... do photographers need to consider insurance? Working with clients, ... you were negligent in the delivery of your professional services. All it takes is for a dissatisfied client ... your reputation should the worst happen. Business Insurance * Take the time to think about ...

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Understanding Insurance, Part 3: Business Insurance

... of our guide to understanding insurance, we take a look at ... Business Insurance, the different kinds of cover ... business. What is Business ... your business. What is Business Insurance*? Business Insurance is designed to protect your business ... omission in the provision of your professional services Claims arising from damage to third ...

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Massage Therapy Insurance: here's why you need it!

... and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... a unique position of trust, and the service you provide comes with an expectation of a ... in doing so, it's important to hold Employers Liability insurance. It protects you and your business against settlements or damages ...

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Insurance Options for Retailers

... wrong. Having the appropriate retailers insurance in place to protect your ... ... store or a bakery, there is always the potential risk for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a smart move when it comes to managing the risk of your ...

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Insurance by Professions

... is why our comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of ...

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Insurance for Beauty Salons

... as a result of interruption caused by events covered under your policy. 3 things to ask yourself when buying insurance Does the policy cover all your areas of work? Make sure you check your policy for any exclusions or ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... ... out of business! Get Free Quotes Professional Indemnity Insurance If your business or profession involves providing a service or advice, then Professional Indemnity (PI) Insurance is a must have. It protects ...

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The difference between public liability and professional indemnity insurance

... Professional Indemnity and Public Liability insurance as the two types of ... . Public Liability Insurance VS Professional Indemnity Insurance ... work Making mistakes or oversights Any omissions in the provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with other people while doing business ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... contract. For example if you are providing professional services for a large corporation or the government, ... your business is on the move and changing and so your insurance needs will also be changing and you'll want to ...

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BizCover expands its insurance offer and launches a new look

... buy professional indemnity and business insurance online Sydney, Australia - December ... , 2010. BizCover, the pioneer online insurance marketplace ... ”, adds Mr Gottlieb. Although BizCover is constantly evolving and enhancing its services, its motto of providing quick and easy online insurance is still a very fundamental part of the business. This means customers ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business ... ... a large organisation they may stipulate that you have certain insurances to work for them. For example, doing any work ... liabilities to third parties if your products or services cause property damage. For example, it can ...

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Professional Indemnity Insurance

... Indemnity Insurance For Your Business When operating a business, your primary goal is to provide a positive impression to your customers. However, there may come a time when a client is dissatisfied with your service and ...

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Insurance options to protect your cleaning business

... your business has the right insurances in place for when things ... ... and $20 million. Sole trader? Even if you are flying solo as a cleaning business, Public Liability insurance is still something you need to consider. For example , if you were working in a public ...

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Business Insurance

... gross profit or revenue Increase in cost of working No matter what industry you're in, Small Business Insurance can be tailored to suit your business needs and provide protection for your contents, stock and other assets ...

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Cyber Liability Insurance

... costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches which may ...

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Public Liability Insurance

... to have to think about is paying hefty legal costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against ...

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Statutory Liability Insurance

... being held more accountable and responsible for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers, against certain ...

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Employers Liability Insurance

... a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering ...

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Insurance for Recruitment Consultants

... basis'. This means that the policy provides cover for claims made during the period of insurance in respect of professional services provided after the retroactive date, subject to the terms and conditions of the policy ...

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How much does Public Liability Insurance cost?

... occupation. Below is the full breakdown. How much do Tradesmen pay for Public Liability Insurance? Within the Trades & Services industry there are many different types of occupations with varying degrees of risk. This ...

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What is Professional Indemnity Insurance?

... costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional advice or service you have a duty of care to your clients, and therefore need to ensure ...

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Insurance for Hairdressers

... , operate a home-based business or offer a mobile service to your clients, we can tailor a policy to suit ... months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of ...

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What does Professional Indemnity Insurance cover?

... mistake you have made while delivering your professional advice and services, there may be grounds for legal action to be taken against you. Professional Indemnity insurance acts as a safeguard to protect your assets and ...

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Insurance for Accountants & Tax Agents

... office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims of third ...

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Insurance for Consultants

... Legal Searchers Translator Workflow processes & procedures 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 ...

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Insurance for Architects & Designers

... and Designer insurance today from ... insurance provides essential financial protection for Architects and Designers to safeguard their businesses for claims made against them in carrying out their professional services ...

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Insurance for Mortgage Brokers

... $1 million of cover. Insurance for Mortgage Brokers Professional Indemnity Insurance Professional indemnity insurance protects professionals, like Mortgage Brokers, who offer advice and services to their clients. This ...

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Insurance for Allied Health Professionals

... Professional Indemnity (PI) insurance provides essential financial protection for Allied Health Professionals for claims made against them in carrying out their professional services or treatments. Allied Health ...

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Insurance for Immigration Advisers

... Professional Indemnity (PI) insurance provides essential financial protection for Immigration Advisers for claims made against them in carrying out their professional services. BizCover offers Immigration Advisers ...

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Insurance for Travel Agents and Tour Operators

... clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get ... omission in the performance of professional services. Travel Agents and Tour Operators generally ...

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What is Public Liability Insurance?

... or deliver goods, even in the form of repair or service, you may need cover for claims made against you where goods have caused damage or injury. Product Liability insurance covers you if any of these events happen to ...

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It's Time for an Insurance Health Check!

The end of financial year is a time for people to plans for the new financial year ahead. It's also a great time for business owners to take stock and do a bit of planning ... 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 cover? For example, if your business is ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they're real people doing real damage across the globe, especially ... for a release of the information or a return to service. Of course, the threat is greater than malware such ... Cyber Liability policy as part of a broader business insurance plan will go a long way towards ensuring small ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... Interruption, notification costs and as defence costs for the breach of privacy. This is why cyber insurance should be an important part of your risk management plan, as it provides protection against the expense ...

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Insurance for Bookkeepers

... Bookkeepers need it? You focus on keeping your clients' books neat, and we focus on sorting out your business insurance. We know you are always busy helping your clients, therefore we made it easy for you to arrange your ...

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Insurance for Personal Trainers

... Trainers need it? Don't sweat the small stuff when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the crunches when it comes to providing a competitive quote ...

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Insurance for Tradesmen

... goes into a day at the office! So when it comes down to the nuts and bolts of getting your business insurance sorted out, you can sit back and relax while the BizCover team drill down to the basics to help you compare ...

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Insurance for Painters

... this cost out of your own pocket. These expenses can add up over time and dig into your savings. Business Insurance can cover the cost of your tools and portable equipment if it is lost or stolen, or in the event of ...

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Insurance for Engineers

... business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some sort that need protection in the event of fire, theft or ...

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Insurance for Real Estate Agents

... an open home. It is relatively cheap cover for the amount of protection afforded. Business Insurance Business Insurance provides cover for your business assets from perils such as theft, fire and natural disaster. It ...

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How Plumbers Can Protect their Business with Public Liability Insurance*

As a plumber you are faced with different challenges every day, one minute you're fixing a burst pipe, next youre unplugging a drain, no two days are ever the same! ... you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...

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4 Areas You May Not Have Thought Business Insurance Covers

You work hard to build your business. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, ... reviewed your current policy in a while, now is the time to do it. BizCover offers a range of insurance solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers ...

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Tear and Share: Our customers get even with their old insurance policies

We recently launched a campaign that showed how small business owners really feel about their expensive, archaic policies and encouraged them to get them out of their ... the way he'd say RIP to his old policy. Thankfully with BizCover, there's no nasty paper policies. Just hassle-free insurance, online, with all your documents emailed to you instantly. Switch & save on your business ...

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Business Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... ... claims for damages arising from any act, omission, or breach of duty in the delivery of a service. Business Insurance - This can cover your work premises and contents against loss, damage or theft, and guard against ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... in many industries mandatory, if your business provides any type of professional advice or services. Consider Cyber Liability insurance, especially if your business relies on a website or online activity. Malware is ...

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Customer Spotlight: TwoBlackLabs

TwoBlackLabs create tailored services to assist clients by managing ... privacy, GDPR and data protection services, Founder and Principal Consultant ... to have a personal belief and passion in the services which you offer and to network with other business ... can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with certain ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... , errors and omissions from professional services ... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against potential losses arising out of acts, errors and omissions from professional services provided. The REINZ Code ...

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Take Back Your Time With These Apps

... your selling your products and services, next your creating your marketing ... ... once, one minute your selling your products and services, next your creating your marketing strategy and ... and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive ...

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Tips for making a Stress-Free Claim for your business

... quickly as possible. Making an insurance claim can be stressful - ... ... be complicated. If you are unsure what your policy covers you for, jump on the phone to your insurance service provider. Having a chat to a real-life consultant will help to explain all the important things about your ...

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Reviews related to affordable insurance for telecommunication services

  • 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

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

  • Very slick and quick service with a great premium price for the cover. All done on-line with no long forms to fill in.

    Stephen Hutchins
    Information Technology

  • 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

  • It was grate and on timings,fast,good customer services.

    David Tabar
    Trades & Services

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

    gary smith
    Trades & Services

  • Excellent online service, frequent reminders of the expiry date, and a reasonable cost for the protection.

    David Crockett
    Trades & Services

  • I was impressed with the quick service and how able they could ask my questions

    Tony Bailey
    Trades & Services

  • Very pleased with the helpful service

    Richard Evans
    Trades & Services

  • I thought the service I received was very awesome,

    Pene Nepia
    Trades & Services

  • Great service easy process

    Michael Price
    Trades & Services

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • 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

  • 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

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

    Peter Digby

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations


    Janette Wallbutton
    Real Estate

  • Just so you know, this is the 2nd review I've been asked to do. BizCover staff were accommodating, I didn't have to wait long for service, they were knowledgeable and polite, listened well and gave excellent information and advice to me.

    Kate Carlisle
    Allied Health

  • Efficient service with reminder notice well in time, when my cover was due to expire.

    Consultancy Occupations

  • Good service - a little pushy with the reminders

    Michael Alan Baylis
    Architecture & Surveying

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Great service, quick and easy to apply

    Fiona Morrison

  • Easy and affordable. Friendly customer service rep.

    Ian Leader
    Consultancy Occupations

  • Great service :)

    Richie Campbell
    Multimedia and Marketing

  • Fast and reliable! Good customer service!

    Joem Baldesco
    Architecture & Surveying

  • excellent and quick

    Trades & Services

  • Awesome very easy to use and not complicated to use

    Ross and Jenny Fletcher
    Trades & Services

  • quick and easy.

    George Curach
    Trades & Services

  • A real person promptly answered my phone call - no redirection / no music while holding!! Quick and efficient answers to my questions.

    Astrid Herbert
    Trades & Services

  • Follow up was not what I required. To long to get feedback on queries.

    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 very grateful thankyou

    Chas Pourau
    Trades & Services

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Did you Know?

For some IT professional claims, there can be a grey area as to whether the claim falls under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the same insurer. That way there will be no dispute between insurers as to which cover should respond to the claim.

Insurance for IT Professionals

Professional Indemnity Insurance

Professional Indemnity (PI) insurance provides essential financial protection for IT Professionals against potential losses arising out of their professional service or advice. This can include but is not limited to: acts, errors or omissions made by you or your employees; loss of documents or data; and intellectual property disputes among others.

IT professionals often require a set level of PI cover to comply with professional association requirements; professional standards legislation, or to meet the requirements of various clients. More and more companies that hire independent IT contractors insist their contractors hold PI insurance before considering them for a contract.

Professional Indemnity insurance for IT professionals covers a broad range of modalities, including:

  • Data Processing/Warehousing Services
  • Education & Training
  • Facilities Management or Outsourcing
  • Hardware Installation, Maintenance and Repair
  • Hardware Sales
  • ISP/Web/Internet Service
  • IT Consultants
  • IT Recruitment & Placement Services
  • Project Management
  • Software Development
  • Software Installation
  • Software Maintenance
  • Software Sales - Customised/Own Developed
  • Software Sales - Packaged/Third Party Software
  • Systems Analysis
  • Systems Audit
  • Systems Integration
  • Telecommunication Services
  • Troubleshooting

Public Liability

Chances are, you visit client premises to install and maintain their hardware and IT systems or they may come to you, leaving you exposed to claims of property damage or injury caused to others.

Public and Product Liability insurance offers important cover for IT Professionals and their legal liability in the event of third party property damage, or the accidental injury of others (not covered by the ACC), or as a result of a product defects..

Business Insurance

Each and every business is different, and that's where Business Insurance offers a suite of options to cater to your individual business needs, from material damage, loss, to the breakdown of important electronic equipment and business interruption.

As an IT professional, below are some of the coverages you may want to consider to keep your business as 'all systems running':

  • Building and Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? Could you afford to repair or replace all of your IT equipment, furniture, etc. in the event you suffered a fire, earthquake or theft?
  • Electronic Equipment -if you were to experience a breakdown of your important electronic equipment, could you cover the cost of repairs, restoration of electronic data, and even any additional cost of completing your work? Taking out Electronic Equipment insurance gives you that peace of mind if something were to go wrong, your downtime would be next to none.

Cyber Insurance

Working within the IT industry, you would be more than mindful of the types of potential malicious cyber threats and data breaches which could harm any sensitive client information you may be storing. The cost of a breach could not only damage the functional side of your business but could also take a toll on your business' reputation.

Cyber Liability Insurance covers the costs which can be incurred following a data breach or having your system hacked. It typically covers investigation and data recovery costs, extortion costs, fines and penalties and PR/crisis management costs.