Affordable Trade Insurance
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How To Decrease Trades Business Costs And Risks
... climate. While your customers may not like it, just like the need for business insurance , such as trade insurance , price increases are considered an essential part of running a successful business Cost increases ...
read moreTradies Guide to Business Insurance Packages
... impacted for as long as it may have otherwise. Reduce your tradie risk with trade insurance Whether you're a sole trader or a jack-of-all-trades trade professional, you know how much effort goes into a day’s work for a ...
read moreTradie Guide to Public Liability Insurance
... Zealand to reduce the risks to their business via tradie insurance * , including Public Liability insurance . Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day ...
read moreTradie Guide to Professional Indemnity Insurance
... of the advice you give to your clients. While many tradies may preference other types of trade insurance, Professional Indemnity insurance may also feature in their risk management strategy as an additional layer of risk ...
read moreInsurance for Consultants
... /choosing-the-right-business-structure/becoming-a-sole-trader/ Insurance for Consultants Consultants working in all industries should consider insurance to safeguard their livelihood against the unique and commonplace ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... requirements, we understand small businesses. Visit bizcover.co.nz and get trade insurance for your accounting insurance without drama and get on with your day. If you'd prefer to pick up the phone and chat you can ...
read moreWhy Insuring Your Tools Of Trade And Portable Equipment May Help Your Business
... to cost to replace your portable business items or tools of trade. This can hurt the hip pocket and strike when you least ... be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
read moreTips For Following Up On Trade Quotes
... a month to check up. The urgency of the job and your trade will affect the length of this process. If it were an urgent ... work going. Consider disclosing your tradie insurance Insurance for tradies is an essential part of ...
read moreHow To Start Your Own Trade Business in NZ
... Register for GST (if required) Research central and local government regulations Consider different types of business insurance Owning a trade business is a big responsibility. But with hard work and a bit of luck, you ...
read moreAm I Ready To Start A Trade Business?
... the risks to their business via business insurance * , including Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your trade business without drama and get on ...
read moreHow To Grow Your Trade Business In 2023
... and easy to use; clearly explains each of the trade services you offer, who you offer them to, ... protecting its future by reducing its exposure to risk via business insurance. After all, you don't want to pour your heart ...
read moreThe basics of business insurance for all trades of life- a lingo free guide
... damage property belonging to your client while carrying your business activities- Public Liability insurance Your tools of trade are stolen- Tool and Portable Equipment cover A third-party accidentally trips over ...
read moreWhat does Public Liability Insurance Cover?
... level of cover for membership? Does your business or trade license require a minimum amount of cover? Do the ... cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here to ...
read moreWhat does business insurance cover
... protect me anywhere? The good news is your Portable Equipment insurance policy will protect your valuable tools of trade anywhere in New Zealand. So, from Auckland to Invercargill, you can rest assure knowing that ...
read moreWhat Photographers Need to Know About Business Insurance
... from a studio, if something were to happen to your tools of trade , the impact upon your business could be devastating. Business Insurance is designed to safeguard your contents, stock and other assets against unexpected ...
read moreInsurance for Cleaners
... damage to third party property or personal injury Known claims and circumstances Portable Equipment Insurance* Working out and about means your tools of trade are often on the road with you. There's a lot of equipment ...
read moreA Tradies Guide To Getting Your Business Insurance Sorted
... business activities. It is one of the main types of insurances that you may need to consider as a tradie. This ... Professional Indemnity* You're a guru when it comes to trade, so it's only natural that your clients are ...
read moreWhat is Tool Insurance and why do Tradies need it?
... up a creek without a paddle. Not having your tools of trade around means you can't do your job, and without your job ... it most. What is Tool insurance cover? Tool insurance cover or Tool insurance in short, is designed to ...
read morePortable Equipment Insurance, A Guide For Contractors
... you are ever unsure double check with your insurance agent about your level of coverage and the details ... you've worked hard to build your business. Your tools of trade are just one of the aspects of your business that you ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... Unexplained inventory shortage Why might designers consider getting Portable Equipment insurance? When you take the time to actually add up the cost of your tools of trade, you might be surprised by how they are all ...
read moreBusiness On The Go? Be In The Know About Business Insurance
... other things to be thinking about, stressing over business insurance to protect your mobile business doesn't need to be ... : Try to ensure that you keep stock, tools of trade or anything that may be stolen out of sight from ...
read moreInsurance for Painters
... injury Known claims and circumstances Protect your business today. Tool insurance (Portable Equipment cover)* Chances are you have a few tools of the trade in your painting toolbox! Your valuable tools help you to ...
read moreWhat Is Inside A Business Insurance Pack?
... to. Here are a few examples: Tradies- your tools of trade help you to get the jobs at hand done, can you ... , with no-dramas! Visit bizcover.co.nz and get insurance for your small business without the stress so you can ...
read moreHow much does Public Liability Insurance cost?
... . *Data based on New Zealand BizCover customers How much do Tradesmen pay for Public Liability Insurance? Within the Trades & Services industry there are many different types of occupations with varying degrees of risk ...
read moreWhat is Business Insurance
... also want to look at protecting things like your stock and business assets with Contents insurance. Tradies – your tools of trade are essential to your business, so it makes sense to protect them with Portable Equipment ...
read moreInsurance options to protect your cleaning business
... . BizCover has four levels of cover to select from for Public Liability insurance – $1 million, $5million, $10 million and $20 million. Sole trader? Even if you are flying solo as a cleaning business, Public Liability ...
read moreTear and Share: Our customers get even with their old insurance policies
... have decided to take revenge using tools of their trade, to shred their old policy. Dave, our ... there's no nasty paper policies. Just hassle-free insurance , online, with all your documents emailed to you instantly ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... as laptops, tablets, mobile phones, photographic equipment, trade person's tools, and sporting equipment. It's ... time to do it. BizCover offers a range of insurance solutions to protect your business. You can tailor a ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... a large organisation they may stipulate that you have certain insurance to work for them. How would you keep your business ... getting things back in order and unable to trade? Have your protected yourself and your assets? ...
read moreWhat every New Zealand tradie needs to know about insurance
... all sorted before you start working on the job. Public Liability insurance may also be a requisite to become a member of certain professional industry bodies for your trade. If you are unsure of what level of cover may ...
read moreWhat does Public Liability Insurance Cover?
... by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some tradies ... public tripping over a misplaced item of stock. Trade businesses have the potential to cause damage to ...
read morePublic Liability Insurance
... of cover for membership? Does your business or trade license require a minimum amount of cover? Do ... in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do ...
read moreInsurance for Hairdressers
... may also be a requirement to have certain kinds of business insurance in place as part of your rental agreement e.g., ... am a mobile hairdresser are my tools of trade still insured? Portable Equipment cover can protect your ...
read moreComplete Guide to Business Insurance
... premises, you are probably wanting to protect your biggest asset! That's where Building insurance comes into play. Your tools of trade are essential to getting the job done and being caught without them could really ...
read moreHow Insurance Can Protect Landscape Architect
... , and they could go on to trade for another day. Public Liability insurance While Professional Indemnity insurance is crucial for landscape architects, many other insurance products can safeguard them from a variety ...
read moreSurprising Ways That Business Insurance Can Help Your Business
... going. Can you imagine the drama if you were caught without your tools of trade? Those bricks aren't going to lay themselves! Portable Equipment insurance covers you for loss and damage to your tools and equipment due to ...
read moreBusiness Insurance Health Check Part 2
... no-dramas! Whether it is Professional Indemnity insurance for your accounting business or Portable Equipment insurance for your tools of trade, we offer business insurance options to help you protect your business. Visit ...
read moreHow To Avoid These Mistakes When Buying Business Insurance
... expect it. From things like your tools of trade being stolen to accidentally damaging a client's personal ... with no-dramas! Visit bizcover.co.nz and get insurance for your engineering business without the stress so you can ...
read more6 Essential Types of Business Insurance in New Zealand
... there are no two businesses that are exactly the same. Your insurance needs will vary depending on a variety of factors, such as, the industry you operate in, your trade, and the type of business you run. It will also be ...
read moreInsurance for Bookkeepers
... of portable equipment associated with your business. These can include tools of trade and items of stock. FAQs How much does business insurance cost for bookkeepers? No two bookkeeping businesses are the exact same, and ...
read moreInsurance for Engineers
... it may be a requirement that you have your own Public Liability insurance* cover in place. Be sure to also check the exact level ... to consider protecting your valuable tools of trade with Portable Equipment cover*. This can ...
read moreInsurance for Allied Health Professionals
... (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. Claim example A yoga instructor ...
read moreInsurance for Photographers
... with your business. These can include tools of trade and items of stock. What is covered? Portable ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...
read moreInsurance for Personal Trainers
... comes to making sure you have the right business insurance in place. Let the energetic team at BizCover ... it adds up pretty quickly. You rely on these tools of trade to help train your clients and without them, you may not ...
read moreInsurance for Plumbers
... (when not covered by the ACC) Protection for your tools of trade in case they are lost, stolen or damaged Certain types of business insurances may be required when taking on a contract Financial protection in the ...
read moreA Sole Trader's Guide to Building a Website
... * to Tool Cover and protecting your bricks and mortar with Building and Contents insurance* too. Visit bizcover.co.nz and get insurance for your sole trader business without drama so you can get on with your day. If you ...
read moreSimple Hacks to Help Grow Your Sole Trader Business
... * to Tool Cover* and protecting your bricks and mortar with Building and Contents insurance* too. Visit bizcover.co.nz and get insurance for your sole trader business without drama so you can get on with your day. If you ...
read moreHow to Start a Sole Trader Business
... * to Tool Cover and protecting your bricks and mortar with Building and Contents insurance* too. Visit bizcover.co.nz and get insurance for your sole trader business without drama so you can get on with your day. If you ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... lot of contracts also have requirements for Public Liability insurance . For example, most building and work sites require trades people to present a copy of their insurance certificate before they can work onsite, while ...
read moreMassage Therapy Insurance: here's why you need it!
... Health & Safety in Employment Act, Consumer Guarantees Act, Fair Trading Act, Privacy Act, Resource Management Act. Statutory Liability insurance protects you and your employees against unintentional breaches of certain ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... sorted without shopping around and messing about with boring paperwork. Visit bizcover.co.nz and get insurance for your sole trader business without drama so you can get on with your day. If you'd prefer to pick ...
read moreSaving Hacks- Business Insurance For Tradies
... here and there, and when it comes to getting your business insurance sorted for your tradie business, we hear you. Whether you're flying solo as a sole trader or run a team of sparkies, we understand the importance of ...
read moreBizCover expands its insurance offer and launches a new look
... enhances this offer 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 ...
read moreUnderstanding Employers Liability Insurance
... cover is subject to the terms, conditions and exclusions contained in your policy document. Public Liability Insurance is a trading name of BizCover Limited. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 ...
read moreIs it time to give your retail business an insurance health check?
... should not be relied upon as advice. © 2022 BizCover Pty Limited, all rights reserved. Public Liability Insurance is a trading name of BizCover Limited. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975 ...
read moreWhat is Professional Indemnity Insurance?
... you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when ... forms which was so unnecessary as I am a sole trader. Christina M. IT / Computer Consulting Service. I got ...
read moreInsurance for Handyman
... and Tool cover Easy online purchase - no paperwork Policy documents emailed instantly Insurance for Handyman You're a “jack of all trades” when it comes to helping your clients with home repairs and general maintenance ...
read moreWhat you need to know about Business Interruption Insurance
... get your business back up and going. This type of insurance can also be surprisingly simple to arrange and doesn't need ... pay their fixed costs that continued accruing after trading stopped. Example 2 Holly is the owner ...
read moreAn Accountants Guide to Professional Indemnity Insurance
... from drama, saving you time from shopping around looking for quotes for your business insurance. Visit bizcover.co.nz and get insurance for your sole trader business without drama so you can get on with your day. If you ...
read moreHow NZ Tradies Can Protect Themselves From Risk
... a group of tradespeople working for you to get the job the done daily, BizCover can tailor your trade insurance to match the specific risks and needs of your tradie business, no matter how big or small your operation ...
read moreHow to Increase Leads on Tradie Websites
... calls to action on their website into paying clients that will keep coming back. Reduce your tradie risk with trade insurance It’s no secret that tradies can face several safety risks every day on the job, which is why ...
read moreWhy a Personalised Website for Tradies is Important
... of tradespeople working for you to get the job the done. Either way, BizCover NZ can tailor your trade insurance to match the specific risks your business can face, no matter how big or small your operation is. BizCover ...
read moreHow to Optimise a Tradie Website
... of tradespeople working for you to get the job the done. Either way, BizCover NZ can tailor your trade insurance to match the specific risks your business can face, no matter how big or small your operation is. BizCover ...
read moreHow Tradies can use LinkedIn
... choose to reduce their risk with trade insurance *. Trade insurance is a selection of business insurance products that together can help tradespeople reduce their risk. Trade insurance may include: Tool and Portable ...
read moreHow To Increase Your Profit As A Tradie
... small business. One way to do just that is by investing in business insurance for New Zealand tradies. Risk is simply part of the job for many trade professionals, and how you manage your risk can make all the difference ...
read moreDigital Marketing Tips For Tradies
... part of the business owner. As the owner of your own trade small business in New Zealand, your business will benefit if ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
read moreHow to set up Google Ads for Tradies
... of tradespeople working for you to get the job the done. Either way, BizCover NZ can tailor your trade insurance to match the specific risks your business can face, no matter how big or small your operation is. BizCover ...
read more5 Tips to Avoid Tradie Tool Theft
... machine is something worth adding to your tools of the trade. An engraver can leave your mark on most surfaces ... without the boring bits, jargon and paperwork. Just business insurance made easy. You can visit us online , or ...
read moreInternational Cookie Day Customer Spotlight - The Cookie Project
... NZ has to offer by collaborating with iconic Kiwi brands like Lewis Road Creamery, Pic’s Peanut Butter and Trade Aid. “Our cookies are the only commercial cookies using the best butter in NZ by Lewis Road Creamery. It ...
read moreWorld Chocolate Day Customer Spotlight - The Cookie Project
... ) that NZ has to offer by collaborating with iconic Kiwi brands like Lewis Road Creamery, Pics Peanut Butter and Trade Aid. “Our cookies are the only commercial cookies using the best butter in NZ by Lewis Road Creamery ...
read more16 Tools Every Carpenter Needs!
... done. These basic tools are still essential to the trade. 1. Claw hammer A properly balanced hammer is a ... from your laptop than it is from your smartphone. Insurance: The most important tool for carpenters? A well-stocked ...
read moreHow Tradies Can Save Money During Inflation
... such as business insurance and Public Liability insurance here are five steps you may consider implementing in your business to help withstand difficult trading periods. Step 1: Rethink the tradie services you provide ...
read moreA Mechanics Guide to Understanding SEO
... insure your mechanic business for when life throws a spanner in the works. Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day. If you'd prefer to pick up the phone ...
read moreHow To Start a Mechanic Shop Business
... for mechanics is there for when you need it most. Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day. If you'd prefer to pick up the phone and chat you can ...
read moreA Guide to Google Ads for Mechanics
... business for when your business needs protection for the things that matter. Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day. If you'd prefer to pick up the ...
read moreHow to Grow Your Mechanic Business
... for mechanics is there for when you need it most. Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day. If you'd prefer to pick up the phone and chat you can ...
read moreTips for making a Stress-Free Claim for your business
... business back up and running as quickly as possible. Making an insurance claim can be stressful - but it doesn't need to be ... need to make a claim for loss of trade through your Business Interruption cover, you will need ...
read moreFrequently Asked Questions
... for 30 days. If you don't wish to purchase the insurance policy straight away, you'll be provided with a username ... held by the insurer. BizCover will never sell or trade customer information to third parties. If you opt ...
read moreWhy do brilliant business ideas sometimes fail?
... your business premises or having your tools of trade stolen for example. If a claim against ... business dream a reality is provide hassle-free business insurance options to protect your business from unwanted challenges. ...
read moreReviews related to Affordable Trade Insurance
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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 -
You made the purchasing of public liability cover simply easy and straight forward
Peter McLaughlin
Trades & Services -
Great service easy process
Michael Price
Trades & Services
Who Needs Insurance for Tradesmen?
Whether you’re a a sole trader or a jack-of-all-trades, you know the amount of hard yakka that goes into a day at the office! Being a tradie no two days on the job are the same, and when a spanner gets thrown into the works, that’s where business insurance can help save the day.
Maybe you’re running a one-man band or have a hive of workers helping you get the jobs the done. Business insurance can be tailored to suit the risks and needs of your unique tradie business, no matter how big or small.
Did You Know?
Did you know that Portable Equipment insurance can protect your tools anywhere in New Zealand? Portable Equipment only provides cover for you tools in the event they are lost or stolen.
Insurance for Tradesmen
Public Liability*
Don’t get stuck between a wall and hard place by not having Public Liability insurance. It’s a crucial form of cover to protect you and your business against claims arising from third party property damage and accidental injury (not covered by the ACC).
Even if you’re the best in business, accidents can and do happen – it could be knocking down the wrong wall or accidentally damaging an expensive piece of artwork. So don’t be a tool and get yourself the right cover for when things go a little haywire.
If you’re working as a contractor or are a member of a trade association, make sure you check to see if there’s a minimum level of cover required.
Business Insurance*
Your tools are essential to your business and the very reason why you nail those jobs! Chances are you have a few in the toolbox too, and when you do the math, they would be worth a fair few bob.
Thankfully, Portable Equipment cover will ensure peace of mind by ensuring you won’t be left out of pocket if they are lost, damaged or stolen.
Protect your business today.
Tradesmen covers a broad range of professions.
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Claim examples**
A landscaper working at a private residence needed to hire a small item of plant to complete the job. Whilst operating the machinery he accidentally lost control and damaged the side of his client’s house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation of the insured’s business activity and settled with the homeowner’s own insurer within a week. Importantly though, the insured has continued to do business for that customer.
Frequently Asked Questions (FAQs)
What is the difference between Public Liability and Portable Equipment insurance?
Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.
How much does business insurance cost?
To receive an accurate idea of the cost involved get a quote with BizCover today
Why should Tradies choose BizCover for their Insurance?
At BizCover, our task is to make insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your insurance.
New Zealand’s number one online insurance company
We take pride in the 10,000 small businesses we have helped already… and counting.
Clear and competitive pricing
Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer.
Built for small business
At BizCover we know what insurance tradies need. We also know makes small businesses tick.
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.
How do I make a claim on my insurance policy?
Are you a tradie that needs to make a claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.
**The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this page is general only. Coverage for claims on the policy will be determined by the insurer, not BizCover NZ, and will depend on the specific facts and circumstances involved.
Need Help?
Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.
You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.