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Key things to look out for when Growing Your Small Business

There comes a time when every successful enterprise needs to ditch the baby steps, put it all on the line, and take a giant leap forward. At that point, the decisions ... , but the primary insurances - public liability and professional indemnity - are ... advice or services. Consider Cyber Liability insurance, especially if your business relies ...

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Types of small business insurance in New Zealand

If you own a small business, there's no denying one the most important things you need to protect your assets is Small Business Insurance. But what kind of insurance ... industry you operate in, your trade, and the type of business ... , and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even home-based ...

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Public Liability Insurance

... should an unwanted accident occur. Public Liability Insurance, often referred to as General ... membership? Does your business or trade license require a minimum amount ...

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The difference between public liability and professional indemnity insurance

... difference between Professional Indemnity and Public Liability insurance as the two types of ... forms of protection. Public Liability Insurance ... difference between Professional Indemnity and Public Liability insurance as the two types of ... forms of protection. Public Liability Insurance VS Professional Indemnity Insurance Public Liability insurance protects you and ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business ... ... responsibility for the keys. Is Public Liability Insurance mandatory for your business? If ... cover. Every business should consider Public Liability Insurance - even home-based businesses. It ...

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What is Public Liability Insurance?

... purchasing the right amount of Public Liability insurance, or worse, didn't have any ... the general public should have Public Liability insurance Could this happen to your ...

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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 you're unplugging a drain, no two days are ever the same! ... the long haul. What is Public Liability Insurance? Public Liability insurance is designed to provide protection ... pocket? This is where your Public Liability insurance comes into play, providing cover ...

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Insurance Options for Retailers

Running a retail store can be a complicated business, with no two days ever the same and many different potential challenges. Regardless if you a have gift store or a ... help protect your retail business. Public Liability insurance* This is one of the ... ) caused by your products Some Public Liability insurance policies include cover for Product ...

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Preparing your store for the holiday season ahead

The 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 ... and legal expenses. Ensure your Public Liability insurance policy has adequate cover to ... and data. Therefore, a Cyber Liability insurance policy can act as your ...

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

One of the most common issues with Business Insurance is that policy owners often fail to understand what it does protect you against, and the risks that still remain ... interruption to the business. Cyber Liability Insurance- Cyber Liability Insurance protects against the expenses ... much you're covered for. Using Professional Liability as an example again, you ...

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Small Business Insurance: Why you might want to ensure you're covered!

You shouldn't think of insurance just as an expense, instead think of it as a protection plan, protecting your livelihood should an unforeseen (and rather costly) event ... If you rent your premises, public liability may be a requirement from ... in order and unable to trade? Have your protected yourself and ...

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Emerging Auckland Yoga Studio Wins National Small Business Grant

Yoga Within started by accident. Owner ... rent a room to offer Yoga Therapy to private clients and ... Bay premises. "I first experienced yoga ... studio.” “The current popularity of yoga and my conviction about how ... daily lives.” The leap from yoga teacher to business owner has been ...

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Insurance for Consultants

... Revenue that you've become a sole trader and you'll need to register ... Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when it ...

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Insurance for Allied Health Professionals

... on your Professional Indemnity & Public Liability cover with our exclusive member ... Loss Centres Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers ...

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10 Amazing Facts About Small Businesses in New Zealand

With 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 together ... % of all NZ Enterprises are sole traders and therefore have no employees. ...

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

... should hold and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... breach of your general liability. Public Liability insurance protects you against claims from ... of professional misconduct. Maintaining a Professional Liability Insurance package is not only a ...

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Insurance for Tradesmen

... hard place by not having Public Liability insurance. It's a crucial form of ... are a member of a trade association, make sure you check ...

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BizCover expands its insurance offer and launches a new look

BizCover launches a new website making it easier for Australian customers to compare and buy professional indemnity and business insurance online Sydney, Australia - ... easy online professional indemnity and public liability insurance for over 200 professions. The ... base of small businesses and trades the option of buying business ...

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Insurance for Architects & Designers

... the short answer is yes. Public Liability insurance is an important form of ... Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs ...

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Insurance for IT Professionals

... Systems Integration Telecommunication Services Troubleshooting Public Liability Chances are, you visit client ... on your business' reputation. Cyber Liability Insurance covers the costs which can ...

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Insurance for Painters

... , not subcontractors. Insurance for Plumbers Public Liability Public Liability is perhaps the most important ... such claims can prove expensive. Public Liability Insurance protects your business against such ...

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Insurance for Hairdressers

... operation of your business. A Public Liability policy will cover third party ... likely insist on you having public liability insurance. Business Insurance Your business assets ...

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Insurance for Engineers

... responding to a disciplinary investigation. Public Liability As an engineer, you may ... various reasons. You may need public liability insurance to protect yourself against any ...

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Insurance for Mortgage Brokers

... be made against your business. Public Liability Public liability insurance helps protect your business against ... your policy. Statutory Liability Statutory liability insurance helps defend your business and ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

Your clients rely on you for your marketing expertise and advice to help increase their leads and increase their profits. But when things don't go to plan and accusations ... business insurance options to consider Public Liability insurance* If you have a home-office ... , you may need to consider Public Liability insurance. Public Liability insurance is designed to provide protection ...

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Insurance for Accountants & Tax Agents

... Management/business consulting Accounting software programs Public Liability Do clients visit your office ... in-home service? If yes, then Public Liability Insurance is a vital type of ...

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Insurance for Beauty Salons

... and defence costs PR costs Public Liability When you picture a beauty ... can be expensive to fix. Public Liability Insurance provides peace of mind against ...

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Insurance by Professions

... Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety ...

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Insurance for Personal Trainers

... Trainers and Fitness Professionals Combined Professional Liability Package Getting people into shape ... It includes Professional Indemnity and Public Liability cover to provide you indemnity ...

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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, storms ... , tablets, mobile phones, photographic equipment, trade person's tools, and sporting equipment. ... other essential covers such as Public Liability and Professional Indemnity insurance 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 ... consider increasing the level of public liability insurance that you hold. Are there ...

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Customer Spotlight: Scotchbox

Scotchbox 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 get ... want to be protected from public liability, selling food and drink to ...

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World Chocolate Day Customer Spotlight - The Cookie Project

Here at BizCover, any opportunity for us to brag about how awesome our customers are, we'll take it. With today being World Chocolate Day, what better time is there to ... Creamery, Pics Peanut Butter, and Trade Aid to hand make tastier ... Creamery, Pics Peanut Butter and Trade Aid. “Our cookies are the ...

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Help Protect your small business' reputation

When 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 ... business is under scrutiny. Employers Liability Insurance Being the director or part ... plan, accidents do occur. Employers Liability insurance protects you against settlements or ...

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7 Ways to Grow Sales in a Café Business

For many caf owners, marketing is all about buying ads or finding the right coffee related meme to post on social media. While there's nothing inherently wrong with advertising ... (if you haven't already) Add trading hours and other basic info ...

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How to protect your small business from cybercrime

Unfortunately, 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 ... cure, and that's where Cyber Liability insurance can be a valuable tool ... your business. What is Cyber Liability insurance cover? Cyber Liability is designed ...

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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 in ... harmful. This is where Cyber Liability insurance provides a crucial safety net ... been released yet. While Cyber Liability insurance won't prevent an attack, it ...

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Statutory Liability Insurance

Statutory Liability Insurance For Your Business New Zealand ... actions in the workplace. Statutory Liability Insurance protects you, your business and ...

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Employers Liability Insurance

Employers Liability Insurance For Your Business Whilst we ... plan, accidents do occur. Employers Liability insurance protects you against settlements or ...

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Reviews related to affordable public liability insurance for sole traders

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

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

    Patricia Copp
    Consultancy Occupations

  • excellent and quick

    LALESHNI DEVI
    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.

    Bruce CHRISTIAN
    Trades & Services

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

    gary smith
    Trades & Services

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

    David Tabar
    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

  • 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

  • Easy very grateful thankyou

    Chas Pourau
    Trades & Services

  • Prompt response to my initial enquiry and subsequent questions about the policy.

    Carol Freebairn
    Trades & Services

  • have referred a work mate to BizCover, overall happy

    Doug Fowler
    Trades & Services

  • Would recommend to anyone ...cheers

    Mike Liuaga
    Trades & Services

  • 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

  • I found very efficant no hassle with doing quote or buying the cover

    Desmond Procter
    Trades & Services

  • Very pleased with the helpful service

    Richard Evans
    Trades & Services

  • Quick to send through a quote. Had difficulty getting answers to questions because my contact person was away sick. Apart from that I was very happy with the price

    Paul Exton
    Trades & Services

  • I thought the service I received was very awesome,

    Pene Nepia
    Trades & Services

  • Great service easy process

    Michael Price
    Trades & Services

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Get the cover that's right for your business

With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.

Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?