0508 249 268 Call

BizCover and NZ Retail

... or a bakery, there is always the potential for something to go wrong. Having the appropriate insurances in place to protect your retail store is a smart move and can help you minimise the risk that your business is ...

read more

Retailer Insurance

... earthquakes and vandalism are just some of the factors that can damage valuable assets in your retail outlet. Business insurance can cover you for: Contents and stock : Protects the contents and stock in your shop ...

read more

Insurance Options for Retailers

... , 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 business. You ...

read more

Customer Spotlight - MOA Bakery, Cakery

Today, for our Customer Spotlight, we're looking at MOA Bakery, Cakery, a small retail and wholesale bakery that specialises in vegan, gluten free, and refined sugar free foods with a healthy twist. They make raw ...

read more

Insurance for Shop Owners

... ? Claims can arise from 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 ...

read more

7 Ways to Grow Sales in a Café Business

... food guide. 3) Brand & design matters, even for a local cafe No, you're not a massive retail chain or a multinational company, but how you present your business matters. Why? Because where people go for coffee ...

read more

What does Public Liability Insurance Cover?

... on your financial situation. Having the right Public Liability insurance in place is vital for helping you stay in ... of businesses. For example, cafes and retail spaces always have potential liability to their landlords ...

read more

BizCover and Boost Your Business

... businesses and the different risks they face. So, whether you're a tradie, retail business, restaurant owner, or professional, BizCover has the insurance cover to ensure you peace of mind. In fact, we can provide cover ...

read more

BizCover and PriceMe

... businesses and the different risks they face. So, whether you're a tradie, retail business, restaurant owner, or professional, BizCover has the insurance cover to ensure you peace of mind. In fact, we can provide cover ...

read more

How much does Public Liability Insurance cost?

... a snapshot of how much a stand-alone Public Liability insurance policy can cost for a small business, by analysing ... businesses within the trades and services, retail and hospitality industries usually have higher premiums ...

read more

Insurance for Cleaners

... While you 're busy cleaning, let us take care of all the messy bits of searching for cleaner's insurance. In just a few clicks or a phone call you can receive multiple quotes from some of New Zealand ...

read more

Insurance for Handyman

... that meets your business's needs. Get covered against wide-ranging risks in minutes. An easier way to get the right insurance cover is just to give us a call - and we will do the rest. ; Did you know? Your level ...

read more

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 ...

read more

Insurance for Bookkeepers

... We know you are always busy helping your clients, therefore we made it easy for you to arrange your business insurance - just a few clicks and one phone call, you have your policy documents emailed to your inbox. ; Did ...

read more

Insurance for Recruitment Consultants

... 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

What does Public Liability Insurance Cover?

... 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

Insurance for Beauty Salons

... any unforeseen events means you can get back to business in the wave of a mascara wand. Business Insurance can include cover for the following: Contents and Stock : protect your salon's contents and stock from ...

read more

Do I need Business Insurance

... allows for policies to be customised to suit your business. Here are a few examples of how Business Insurance can protect different types of businesses and their areas of risk. Tradesmen on the job Your tools are ...

read more

What does business insurance cover

... premises a re most likely one of your most valuable assets that you will want to insure. Building insurance c overs your building if it i s damaged as a result of a fire, storm, malicious activity ...

read more

What is Business Insurance

... To further protect your business from the impact of an insured event, consider Business Interruption insurance. Business Interruption insurance can c over for financial loss as a result of an interruption to your ...

read more

Do I need Public Liability Insurance?

... for pricing, with each business rated according to their risk factors. Below are some of the factors an insurance underwriter will assess to accurately price a policy: The type of business you run and the industry it ...

read more

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 ...

read more

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 ...

read more

Public Liability Insurance

... want 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 ...

read more

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 ...

read more

Professional Indemnity Insurance

... they require you to have? Do any of your work contracts specify that you must hold a certain level of PI insurance? What is the value of the jobs that you perform? What are the potential risks (i.e. what could go ...

read more

Insurance by Industry

... 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

Introducing Work From Home Insurance

... with an inappropriate screen name Work as we know it may never be the same. Get your work from home insurance before your next meeting goes wrong—available April 1st only. *Don't get caught on April Fool's Day ;

read more

It's Time for an Insurance Health Check!

... 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 more

Cyber Insurance - Is it worth it?

... 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

Insurance For Cafés and Restaurants

... potential risk for something to go wrong is a reality. At BizCover we offer a menu of insurance options from some of New Zealand's leading insurers to help you suit your unique food business needs ...

read more

Business Insurance FAQs

... easy to understand. Get Free Quotes ; ; ; Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by comparing quotes from New Zealand’s leading ...

read more

Do I need Professional Indemnity Insurance?

... 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 more

Insurance for Hairdressers

... 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

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 ...

read more

Insurance for Engineers

... to work with contractors, staff, and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities that arise due to damage to property or injury ...

read more

Insurance for Plumbers

... Don't risk letting an expensive claim for property damage flush your business away by not having Public Liability insurance. As a plumber it is a vital form of cover that protects you and your business against claims ...

read more

Business Insurance

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

read more

Insurance for Allied Health Professionals

... 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

Insurance for Travel Agents and Tour Operators

... 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 ...

read more

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 ...

read more

Insurance for Personal 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

What is Professional Indemnity Insurance?

... 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 ...

read more

Insurance for Immigration Advisers

... 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

Insurance for Accountants & Tax Agents

... fees, not to mention the down time while you are not able to operate and work with clients. Cyber Insurance As an Accountant, you work and rely on sensitive client information to get the job done. In the increasingly ...

read more

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 ...

read more

Insurance for Photographer

... and break 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 ...

read more

Tool and Portable Equipment Insurance

... portable property is required to be securely stored for it to be covered by your insurance. ; ; *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

read more

Types of small business insurance in New Zealand

... 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

Insurance for Mortgage Brokers

... 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

Insurance for Consultants

... all through a clients laptop could end up costing you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which may arise from a claim of third party property damage ...

read more

Insurance for IT Professionals

... 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 ...

read more

Insurance for Architects & Designers

... 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

BizSave

... on a policy that protects your business. With our price promise, we can guarantee that you will #BizSave on insurance for your small business. Get a quote today, it only takes a few minutes. So you can focus on ...

read more

Customer Spotlight: Scotchbox

... 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 ...

read more

Take Back Your Time With These Apps

... . 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 more

Customer Spotlight: TwoBlackLabs

... to 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 more

5 Money Saving tips for Small Business in NZ

... 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 more

Reviews related to Affordable Retail Merchant Insurance NZ

  • Everything was easy to follow right through to purchasing. Definitely recommend.

    John McLachlan
    Retail

  • Great service, quick and easy to apply

    Fiona Morrison
    Retail

  • so easy

    Jason and Sarah Neilson
    Retail

  • 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

Get instant quotes

Did you Know?

Many commercial landlords require the tenant to have both public liability insurance and glass insurance before signing a lease.

Insurance for Retailers

Public Liability

If you are in business you have a potential liability exposure arising out of the operation of your business. A Public Liability policy will cover third party property damage and or injury that might not be covered by ACC. It is a very affordable cover considering the amount of protection you receive. If you lease your premises, then your landlord will more than likely insist on you having public liability insurance.

Business Insurance

Fire, extreme weather, natural catastrophes like earthquakes and vandalism are just some of the factors that can damage valuable assets in your retail outlet.

Business insurance can cover you for:

Contents and stock: Protects the contents and stock in your shop against damage or loss caused by theft, accidents, natural catastrophes or vandalism.
Building: The policy covers the building and structure of your shop in the event of damage from storms, fire, natural catastrophes or other extreme weather events.
Glass: Protect assets in your shop that are made of glass and are vulnerable to damage. This includes mirrors, glass shelves, windows, and showcases.
Money: Recent statistics show the New Zealand economy loses more than a billion dollars each year due to shoplifting and theft. Ensure your cash is safeguarded against theft or damage, whether it is stored within business premises, in personal custody, or transit.
Business interruption: The policy covers loss of revenue that can occur when you are not able to run your business due to insured events.

Cyber Liability

While technology can offer your business convenience and streamlined processes, it can also leave you vulnerable to attack from malicious external parties. For example, if your EFTPOS terminals connect to your operating system, your whole system could be subject to an attack.

Malware, viruses and hackers can disrupt your network operating system, making it impossible for you to sell your products, manage inventory, or access important documents. Hackers can also collect sensitive customer data and credit card details in which case you may be liable for claims.

However, with cyber liability insurance in place, you may be covered for legal costs and expenses related to cyber risks.