... 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... 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... is free from potential risks. It is a common misconception that a home contents insurance policy extends to provide cover for retail stock and business assets that you store at home. This is often untrue, so ...
read more... , 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 moreToday, 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... exposed to theft and shoplifting. In fact, the 2016 Retail Holiday Season Global Forecast revealed shrink by retailers is at ... and data. Therefore, a Cyber Liability insurance policy can act as your safety net against ...
read more... ? 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... below 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 ...
read more... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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 more... 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 more... 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... 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... 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... 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... 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... 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... 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 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 ...
read more... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... 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... , knowing you can confidently go about your work and protect your reputation should the worst happen. Business Insurance * Take the time to think about all the equipment you need to get the job done ...
read more... 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... 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... 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 more... 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 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... to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good ...
read more... 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 more... 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... 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... 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... 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... 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... 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... 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... 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 more... 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 more... 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... 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... 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... 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... . 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... 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 more... 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... 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... 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 more
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
Many commercial landlords require the tenant to have both public liability insurance and glass insurance before signing a lease.
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.