Affordable Interior Designer Insurance NZ

Affordable Interior Designer Insurance NZ

& Designers

    • Comprehensive industry specific policy wording
    • Multiple levels of cover to select from
    • Instant paperwork online
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  2. Insurance for Architects & Designers
  3. Affordable Interior Designer Insurance NZ

Insurance for Architects & Designers

... insurance offer covers occupations such as: Architect Interior designer What is typically covered? A small mistake in an architect's ... Liability As an architect or designer, your plans, designs are prized intellectual ...

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Insurance for Recruitment Consultants

... so helpful and patient. Thank you. Katrina L. Interior Design Service Great service and easy to manage for a small ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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How Insurance Can Protect Landscape Architect

... this is through business insurance. Insurance is essential for any business, and landscape architecture is no exception. Here are some of the ways insurance can protect landscape architects in New Zealand. Professional ...

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Insurance for Designers

... items anywhere in NZ Insurance solutions tailored for design professionals Insurance for Designers Get covered in minutes with no paperwork Insurance solutions tailored for design professionals Portable Equipment cover ...

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Business Insurance FAQs

... the right place! Our extensive library of FAQ's is designed to assist with those tricky insurance questions that you may have about business insurance policy. From understanding the ins and outs of your Public Liability ...

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Insurance for Cleaners

... all added stresses that you don't need weighing on your 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 ...

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What Is Inside A Business Insurance Pack?

... you for a tour of the ins and outs of a Business Insurance pack. What is Business Insurance? Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

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Insurance for Education Consultants

... sustain property damage as a result of your negligent business activities. Business Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial ...

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9 Ways To Grow Your Design Business in 2023

... us! We believe in making the process to get your designer insurance cover sorted easy and simple, with no-dramas! Visit bizcover.co.nz and get insurance for your design business without the stress so you can get on with ...

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Employers Liability Insurance

... the daily operations of your retail business and that's where Public Liability insurance comes into play. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Insurance for Immigration Advisers

... risk for things to potentially go wrong. This is where Public Liability insurance can provide peace of mind. Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Insurance for Real Estate Agents

... in place if an unpredictable challenge were to disrupt your business activities. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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Insurance for Plumbers

... getting your tools stolen. These are real life risks plumbers are faced with every day. Business insurance for plumbers is designed to give your business the protection it needs and peace of mind knowing that you have a ...

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Insurance for Handyman

... for injuries 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 ...

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What Insurance do Beauty Salons Need?

... water are just some of the events that could leave you with an expensive claim. Public Liability insurance is designed to provide protection in the event a customer, supplier or a member of the public sustains property ...

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Insurance for Mechanics

... can provide protection for the things that keep your mechanical business revving! Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when ...

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Insurance for Bookkeepers

... details with others can result in the Bookkeeper being sued. What Is Bookkeeper Insurance? Insurance for bookkeepers is designed to protect different risks which your business may be faced with. This includes cover ...

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Insurance for Accountants & Tax Agents

... . Even the best of us can have a bad day with the books. That's why Professional Indemnity insurance is designed to protect you and your business from any losses which may arise from any errors and omissions which may ...

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Insurance for Photographers

... a bone as you were directing their movements? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier ...

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Insurance for Painters

... a look at some of the important types of business insurances you may need to consider for your painting business. Business Insurance is an insurance package designed to provide cover for your business contents, stock ...

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Insurance for Tradies

... with BizCover today Why should Tradies choose BizCover for their Insurance? At BizCover, our task is to make insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover ...

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Insurance for Allied Health Professionals

... 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 ...

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Understanding Employers Liability Insurance

... and to be in business for the long run. Things like Public Liability, Professional Indemnity and other Business Insurance options*, help protect different areas of your business. There isn't a one size fits all when it ...

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Tradies Guide to Business Insurance Packages

... no two days on the job are the same, and when a spanner gets thrown into the works, that's where tradie insurance can help. You may run a one-man band or have a group of tradespeople helping you get the job the done ...

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How Are Business Insurance Premiums Calculated?

... risk your business may be. Business location Where your business is located can affect the pricing of your business insurance premium. Some areas may be deemed a higher risk than others and this may be due to things like ...

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What does Public Liability Insurance Cover?

... hearing aids, glasses,pacemakersand gastric bands. ii When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses from the financial impact of claims made against you. While ...

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Insurance for Shop Owners

... perfect sense to protect the things needed to make your shop run smoothly every day. Business Insurance is designed to safeguard your contents, stock and other assets against unexpected events, like fire, storm, theft ...

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What is Business Insurance

... due to business interruption in specified circumstances. There are a variety of different Business Insurance options available, designed to protect the various risks that businesses face. From dog groomers to personal ...

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Insurance for Consultants

... not to mention the potential irreparable damage it can cause to your business' reputation. Cyber Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and ...

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Business Insurance

... . It's good business to set up a plan in place should the worst happen. Part of Commercial Insurance, Business Insurance is designed to protect your business today to ensure you'll be in business tomorrow. It's there to ...

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What is Professional Indemnity Insurance?

... quotes from NZ insurers, then buy online in minutes. What is Professional Indemnity Insurance? Professional Indemnity insurance is designed for professionals who provide advice or a service to their clients. If someone ...

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Insurance for Personal Trainers

... gym, a fitness studio or work within a public space like a council park for example. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of ...

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Why You Should Review Your Business Insurance

... is to understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and your business in the event a customer, supplier ...

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What Insurance Policies do Yoga Studios Need?

... or a delivery person slipping in spilled water—and a potential source of expensive claims. Public Liability insurance is designed to protect you and your business if a customer, supplier or member of the public sustains ...

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Insurance for Sole Traders

... may be exposed to and the types of policies that are available. Did you know? Portable Equipment insurance* is designed to protect your tools of trade anywhere in New Zealand? From Auckland to Invercargill, you can have ...

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Business Interruption Insurance

... continue trading as normal could be more devastating than the event itself. Business Interruption insurance is designed to help your small business rebuild and recover by providing compensation for insured events. What ...

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Insurance for Beauty Salons

... an ugly mess – and not the type a tad of concealer can fix. Professional Indemnity Insurance is designed to protect your business against claims for negligence or professional misconduct. It protects businesses against ...

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Insurance for Dog Walkers

... of the public and also opens you up to injury and property damage claims from them. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of ...

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Insurance for Massage Therapy

... business following an insurable event. It is also designed to help your business to recover by paying ongoing ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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What is Public Liability Insurance?

... pockets (and some) because you tried to save a 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 your businesses is such that you would go out ...

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Do I need Public Liability Insurance?

... help provide much needed protection against unforeseen costs, such as compensation and legal fees. Without having Public Liability insurance , your business is at risk of having to pay in full damages in the event it is ...

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Tradie Guide to Public Liability Insurance

... may be a mandatory requirement 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 ...

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Insurance for Yoga Teachers

... take the joy out of being a business owner. At their worst, they could even put you out of business. Insurance for yoga teachers can make it easier to go with the flow when something goes wrong. Whether it's handling a ...

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Saving Hacks- Business Insurance For Tradies

... to save a spare dollar here and there? Well, you're not alone. and when it comes to getting your business insurance sorted for your tradie business, we hear you. Whether you're flying solo as a sole trader or run a team ...

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Insurance by Industry

... Agents Allied Health Professionals Architects & Designers Beauty Salons Bookkeepers Cafes and ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...

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Insurance For Cafes and Restaurants

... tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance  is  designed to provide protection for you and ...

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Insurance for IT Professionals

... If you want to brush up on your Latin, look elsewhere. Having the right insurance pays off A software and hardware design company won a government contract to manufacture and install alcohol interlock devices on a branch ...

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Insurance for Engineers

... yourself faced with some unwanted challenges. That is where Business Insurance can provide some reprieve. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and ...

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Tradie Guide to Professional Indemnity Insurance

... professional advice directly to your clients for a fee, as engineers and architects typically do. As such, you may not feel that Professional Indemnity insurance can play a role in reducing your risk. However, you may be ...

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Cyber Liability Insurance

... 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 occur ...

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Statutory Liability Insurance

... business today. What's at risk if you don't have Statutory Liability insurance? Like other business insurances, they are designed to safeguard and protect your business from certain risks. Not having Statutory Liability ...

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Insurance Options for Retailers

... , access important documents and get on with the daily tasks of running your business. Cyber Liability insurance is designed to help protect your retail store from claims and to support your profitability in the event of ...

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Reviews related to Affordable Interior Designer Insurance NZ

  • 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

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

    Peter Digby
    Manufacturing

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    Janette Wallbutton
    Real Estate

  • 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
    Medical

  • 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

  • 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.

GET INSTANT QUOTES

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.

FAQ

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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