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Types of small business insurance in New Zealand

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The difference between public liability and professional indemnity insurance

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What does Public Liability Insurance Cover?

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Public Liability Insurance

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What is Public Liability Insurance?

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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 your business against a public liability claim. Reduce shoplifting The busier ...

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

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Insurance for Consultants

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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. ... ensure you review your insurance cover regularly. Getting insurance has never been ...

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

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Insurance for Allied Health Professionals

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Insurance for Tradesmen

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BizCover expands its insurance offer and launches a new look

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Insurance for IT Professionals

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Insurance for Beauty Salons

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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 Personal Trainers

... not just the settlement amount. Insurance for Personal Trainers and Fitness ... It includes Professional Indemnity and Public Liability cover to provide you indemnity ...

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BizCover expands into New Zealand and launches BizCover.co.nz

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Insurance by Professions

... comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and ...

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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. ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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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 ... make sure your business is insurance fit for the upcoming challenges ...

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Business Insurance

... industry you're in, Small Business Insurance can be tailored to suit ... assets. And you can include Public Liability Insurance to ensure you are left ...

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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 ... to ensure that he has insurances in place to protect his ... want to be protected from public liability, selling food and drink to ...

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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 ... , and ensure you have a solid cyber-security strategy in place. The ... business. What is Cyber Liability insurance cover? Cyber Liability is designed ...

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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 ... do happen. Fortunately, Professional Indemnity insurance is designed to protect your ... , accidents do occur. Employers Liability insurance protects you against settlements or ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be difficult ... explain what professional indemnity insurance is and why it might ... is Professional Indemnity ... What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of ... covered). Misconceptions Around Professional Indemnity Insurance A common misconception professional indemnity ...

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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 ... , compare quotes and buy the insurance that suits your business. But ... your current policy. Your personal insurance doesn't cover your business A ...

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

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BizGiver launch in NZ: Granting a $2000 wish this spring

Ask 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 that ... 2010, BizCover NZ, an online insurance service for small businesses, knows ... more traditional methods of buying insurance,” said BizCover Founder and Managing ...

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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 businesses ... Public Relations Business Interruption Cyber insurance is available for first-and third-party ... or data breach alone. Cyber insurance will also provide coverage for ...

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Employers Liability Insurance

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

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Insurance for Bookkeepers

... being sued. Insurance for Bookkeepers Professional Indemnity Insurance Professional Indemnity Insurance is for ... Bookkeepers generally require professional indemnity insurance for a number of reasons ...

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Insurance for Immigration Advisers

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Insurance for Recruitment Consultants

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How the cost of Professional Indemnity insurance is calculated

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Understanding the risks for Real Estate Agents

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Customer Spotlight: Mosh

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Customer Spotlight: TwoBlackLabs

TwoBlackLabs create tailored services to assist clients by managing and making their business' unique security and privacy risk needs easier. They also specialise in ... my family are not impacted. Insurance allows me to meet my ...

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5 Money Saving tips for Small Business in NZ

Most 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 ... , credit card, bank account or insurance for their business. It may ...

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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

  • 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

  • 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

  • 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

  • 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

  • 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

Get instant quotes

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?