... may face as a photographer and how business insurance can protect your ... business. Why do photographers need to ... consider insurance ... potential for loss or damage to occur . S omething no photographer wants to experience. Portable electronic equipment insurance c over s portable computer equipment and cell phones anywhere in ...
read more... 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 ...
read more... investing in the right business insurances can save your business when ... ... is involved in a court case which can proceed for months if not years . Having Professional Indemnity insurance means you can focus on getting back to business doing what you do best without worry and only ...
read more... of our guide to understanding insurance, we take a look at ... Business Insurance, the different kinds of cover ... business. What is Business ... of cover available and how it can help protect your business. What is Business Insurance*? Business Insurance is designed to protect your business contents, stock and other assets against events like ...
read moreGetting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...
read moreYou shouldn't think of insurance just as an expense, instead ... ... your landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurance to work for them. How would you keep your business going if the worst was to happen? If your ...
read more... 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 ...
read more... 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 ...
read moreThe 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 ...
read moreYou 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 ...
read more... management, however, and a tailored insurance [] ... and there is a huge risk in playing catch-up with your policies. As your business grows you'll require an insurance package that is as robust as the business it protects and caters to all of its risk factors. The range ...
read more... most common issues with Business Insurance is that policy owners often ... ... could be that you've downsized and can arrange a cheaper premium. The point is that you need to keep your insurance as current and correct as possible so that when you need to make a claim the right coverage is in place ...
read moreProfessional Indemnity Insurance (PI) can be ... explain what professional indemnity insurance is and why it might ... is Professional Indemnity insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good ...
read more... investing in the right business insurances can [] ... is involved in a court case which can proceed for months if not years . Having Professional Indemnity insurance means you can focus on getting back to business doing what you do best without worry and only ...
read more... is Small Business Insurance. But what kind of insurance do you actually ... ... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...
read more... Professional Indemnity and Public Liability insurance as the two types of ... . Public Liability Insurance VS Professional Indemnity Insurance ... of court or awarded by the court. With the right Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your ...
read more... your customers with Public Liability insurance is one of the most ... ... and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for days for the brokers to get ...
read moreBuying any insurance, can be a confusing and ... to getting your Professional Indemnity Insurance, it can be even more ... ... for what you think you are. If you don't understand the technical terms, speak to an insurance professional who can help you understand the meaning. Some policies will also cover: Lost Documents, Fidelity (cover ...
read more... and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... and regardless of the lengths you go to in doing so, it's important to hold Employers Liability insurance. It protects you and your business against settlements or damages, including defence costs, as a result of an ...
read more... buy professional indemnity and business insurance online Sydney, Australia - December ... , 2010. BizCover, the pioneer online insurance marketplace ... by giving BizCover's growing customer base of small businesses and trades the option of buying business insurance online. “We have learned through our interaction with over 10,000 customers, that the online shopping ...
read more... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks ...
read more... 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 ...
read more... dealing with a lawsuit or insurance claim. Fortunately, this is where ... Professional Indemnity insurance can provide protection when you ... part ... advice and services you have a duty of care to your clients and this is where the Professional Indemnity insurance comes into play. If a claim were to be made against you , having adequate cover in place could ...
read more... 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 ...
read morePublic Liability Insurance protects you and your business ... ... landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurances to work for them. For example, doing any work for any metropolitan council will require a minimum $2m ...
read more... are not found liable, the legal costs of defending yourself could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such claims ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... processes. 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 ...
read more... let the worry of a building blunder keep you awake at night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out a policy is as easy as the click of a button ...
read more... Your clients are your bread and butter, but where would you be without your business assets? Business Insurance allows you to select the types of coverage that best suit your business, like contents, to protect against ...
read more... 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 ...
read more... month. A further thirty-three percent of customers pay between $40 and $59 per month for their Public Liability insurance, and only six percent pay $100 or more. Below is the full breakdown What is the average cost of ...
read more... graph though, over a third only pay between $45 and $74 per month. The cost of Professional Indemnity insurance depends on a number of key factors including: The type of business you operate - the riskier the industry ...
read more... 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 ...
read more... 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 ...
read more... is crucial to safeguard your operations and processes. If you are found negligent and don t have an insurance policy in place, you may face financial repercussions that can significantly impact your business. The cost of ...
read more... could be enough to bankrupt a business, regardless of how big or small it is. Professional Liability insurance is designed to protect your business from legal claims for alleged negligence or a breach of duty arising ...
read moreAs 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 ...
read moreAt 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 ... security systems are vulnerable to infiltration. However, a good Cyber Liability policy as part of a broader business insurance plan will go a long way towards ensuring small and medium sized businesses in NZ are able to ...
read moreMany 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 ...
read more... it? Your clients rely on you to look after them; you can rely on us to look after your business insurance. As an allied health professional, small mistakes can have big consequences. Get multiple quotes with a few clicks ...
read more... 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 ...
read more... ,000 Professional Indemnity (as at July 2017). Insurance for Immigration Advisers Professional Indemnity Insurance Professional Indemnity (PI) insurance provides essential financial protection for Immigration Advisers ...
read more... need it? As you help your clients increase their leads, sales and profits, we help you get your insurance to protect your business against potential pain-points. Being a marketing professional, we don't need to convince ...
read more... 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 ...
read more... of the policy in place at the time. The retroactive date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a 'deductible' or 'excess'. The limit of indemnity is the ...
read more... 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 ...
read more... and Tour Operators need it? Sorting out your clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get quotes online in minutes from top NZ insurers- we ...
read more... 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 ...
read more... the judge, make sure it's not 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 ...
read more... having to close your doors for days, weeks or even months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the increased costs of running your business as a result ...
read more... 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 ...
read more... 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 ...
read moreWe 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 ...
read more... clients, your Professional Indemnity (PI) insurance is no doubt one of ... ... disclose prior known claims or circumstances that may give rise to a claim at the time of taking out your PI insurance, no matter how big or small Do not ignore any inklings or threats a client may have made in regards ...
read more... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... provider of online professional indemnity insurance, has announced ... time and money, while providing choice of insurer. “Eighty per cent of the New Zealand professional insurance market is concentrated amongst three insurers. BizCover's goal is to provide clients with greater choice and ...
read more... quickly as possible. Making an insurance claim can be stressful - ... ... we understand how important it is to get your business back up and running as quickly as possible. Making an insurance claim can be stressful - but it doesn't need to be. Follow these simple tips to help make potential ...
read more... new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for ... ... individuals. In the past it has been only for larger claims and never at a micro level. This means that insurance and help can be given to business people where they really need it. Cover starts from as little as $85 ...
read moreIn the insurance world, we focus on loss ... ... , you'll smile together. THE UPS AND DOWNS Insurers don't always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the truth is, we don't get a chance to focus ...
read more... comes to claim on your insurance. When you're filling out ... ... when you get rid of them as well. This will also help you to ensure that when you review your insurance, you have the right level of cover for your contents - because there is nothing worse than being underinsured when ...
read more... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... In the 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 ...
read more... , we can look after their insurance needs. Today we're looking ... ... butcher shop, your favourite café or the nation's leading social media agency, we can look after their insurance needs. Today we're looking at one of our most distinguished customers, Mosh . Based in Auckland, Mosh ...
read more... could to help defer their insurance payments and keep their livelihoods ... ... customers struggling to keep their doors open . We did what we could to help defer their insurance payments and keep their livelihoods protected during the pandemic. We also continued our long-running small ...
read moreWhen it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... in 2016 alone (1). . If your business were to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal costs (which can add up very quickly and become ...
read more... if you are at fault or not, to potentially destroy your business for good. That s where Professional Indemnity insurance comes in to play. If a client makes a claim against your business for an omission or mistake which ...
read moreWith 2019 only just getting underway, what better time is there to whip your business into shape for a successful year. Taking the time to review some of your existing ... a phone call 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 ...
read moreAsk any small business owner about the most difficult aspect of running a business and you'll most likely get a range of answers. However, there is common one thing ... or employee can make a wish for their business, and they need not be a policy holder with BizCover's insurance service to win. “So much of BizCover's success is due to the small business community, who have embraced ...
read moreUnfortunately, there's no off season for cyber criminals who are always on the prowl, leaving no small business immune especially when it comes to obtaining financial ... in which they are being impersonated by scammers. As they say, prevention is better than cure, and that's where Cyber Liability insurance can be a valuable tool in protecting your business. What is Cyber Liability ...
read moreThe world today is digital, where you can now do everything, from reading books, listening to music, booking a taxi, pre-ordering your groceries for delivery and even ... all of these things but if it is too overwhelming it's worth considering cyber insurance for your business. Most cyber insurance policies will not only cover your business financially but will help organise the retrieval ...
read moreThe holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... however, are always finding new sophisticated ways to access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against data breaches after being hacked or having your customer ...
read moreWith New Zealand ranking #1 in the World Bank's 2017 Doing Business Report this year, it has proven to be an attractive place for small business owners. We have put ... NZ, you can see you are in great company! As a small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes from top NZ insurers in just a few clicks or a ...
read moreTwoBlackLabs create tailored services to assist clients by managing and making their business' unique security and privacy risk needs easier. They also specialise in ... ensure that in the event of a claim my business can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with certain customers ” Find out more about TwoBlackLabs here .
read moreMost small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... to the same provider of their personal finances to get a new loan, credit card, bank account or insurance for their business. It may be that the provider of your personal finance accounts does not necessarily offer the ...
read moreOwning your small business can feel a bit like a balancing act with the everyday responsibilities of running the show, whilst trying to maintain a healthy lifestyle ... off your day by setting reminders and scheduling those important tasks, like reminding you when is your insurance up for renewal again. Intrigued? These are some of the impressive capabilities these devices can perform ...
read moreTime. It's something we could all do with a little bit more of, especially when you run your own business. One of the biggest skills you gain as a small business owner ... . At BizCover, we're big believer in saving time and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive multiple quotes in minutes from some of New Zealand’s ...
read moreScotchbox is all about sampling Whisky and other spirits that aren't easy to find, or, you perhaps wanted to try but didn't want to buy a bottle. With Scotchbox you ... to do it!” Having a large supply of valuable bottles has also motivated McBride to ensure that he has insurances in place to protect his Scotchbox stock. “I chose to insure my business because I want to be protected ...
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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
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
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
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
Highly recommended way of doing business insurance with out hassles and cost effective
Peter Digby
Manufacturing
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
IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE
Janette Wallbutton
Real Estate
| Building & Contents | Covers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for against fire and other perils. |
| Theft | Covers your for loss or damage to contents through theft or attempted theft at your premises. |
| General Property | Covers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ. |
| Glass | Covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain. |
| Electronic Equipment | Covers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy. |
| Money | Covers money belonging to your business that is lost, stolen, or damaged whilst on your premises, in transit to or from your premises, or in your personal custody. |
| Goods in Transit | Covers your goods (or goods that your are responsible for) whilst in transit in a vehicle owned or operated by you, against loss, theft or damage due to an accident or fire. |
| Employee Dishonesty | Covers your business against losses incurred through fraudulent or dishonest acts by your employees. |
| Business Interruption | Covers your for the loss of income & some of the increased costs of running your business as a result of interruption caused by events covered under your policy. |
| Natural Disaster | Covers for loss or damage to insured property caused by earthquake, hyperthermal activity, geothermal activity, subterranean fire, volcanic eruption, tsunami or the resulting fire caused by any of these events. |
