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Types of small business insurance in New Zealand

If you own a small business, there's no denying one ... assets is Small Business Insurance. But what kind of insurance do you actually ... it ... Liability Insurance Employers Liability Insurance protects the company and the people who manage the company, such as the Company Director and Senior Managers, against the risks and exposures of running the business ...

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Insurance Options for Retailers

... store can be a complicated business, with no two days ever ... wrong. Having the appropriate retailers insurance in place to protect your ... ... sell products, access important documents and get on with the daily tasks of running your business. Cyber Liability insurance is designed to help protect your retail store from claims and to support your profitability ...

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Understanding Insurance, Part One: Public Liability Insurance

As a small business owner, there is a lot ... about when running your own business. Whether its balancing the ... to understand the importance of Insurance. What is Public Liability I nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your business by providing compensation ...

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

... the most common issues with Business Insurance is that policy owners often ... ... or theft, and guard against financial loss arising from any interruption to the business. Cyber Liability Insurance - Cyber Liability Insurance protects against the expenses and legal costs of data breaches or hacking ...

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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 ... and claims that a small business could come up against vary ... ... liability may be a requirement from 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 ...

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The difference between public liability and professional indemnity insurance

... and Public Liability insurance as the ... business against legal action they offer different forms of protection. Public Liability Insurance< ... . 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 business free of financial risk ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business against the financial risk of ... to property. Whilst operating your business you are ... considers the legal defence costs alone, these could put you out of business. With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any compensation ...

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Public Liability Insurance: 5 Tips for choosing the best policy for your business

... small business owner, protecting your business and your customers with Public Liability insurance is ... of the public, sue your business If you're a sole trader or small business owner, protecting your business and your customers with Public Liability insurance is one of the most important aspects. It offers protection should a customer, supplier, ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... , and in many industries mandatory, if your business provides any type of professional advice or services. Consider Cyber Liability insurance, especially if your business relies on a website or online activity. Malware ...

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Public Liability Insurance

... 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 against such claims by providing compensation for ...

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How much does Public Liability Insurance cost?

... calculating the cost of your Public Liability insurance. Businesses that are considered to have a ... Liability cover which offer much more competitive premiums. It is also important to note that each insurance company ...

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What is Public Liability Insurance?

... could put you out of business, and then there's the cost of settlements, whether agreed out of court or awarded by the court. With the right Public Liability cover, your insurance company will provide much needed funds ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store ...

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What Photographers Need to Know About Business Insurance

... a photographer and how business insurance can protect your business. Why do photographers ... need to consider insurance? Working with .. ... precious data from the threat of a cyber-attack is something to consider. Cyber Liability Insurance protects your business against the expense and legal costs arising from data breaches which may occur after ...

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Insurance for Painters

... or otherwise. Defending against such claims can prove expensive. Public Liability Insurance protects your business against such claims. Business Insurance As a painter, your tools are essential to your job. In ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... business's finances and reputation. This is where investing in the right business insurances ... ... on the road meeting them, you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection for you and your business in the event a customer, supplier or a member of ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... business's finances and reputation. This is where investing in the right business insurances ... can save your business when unexpected incidents ... on the road meeting them, you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection for you and your business in the event a customer, supplier or a member of ...

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Insurance options to protect your cleaning business

... or operate a small cleaning business, you know how important it ... also important that your business has the right insurances in place for ... 10 million 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 ...

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Insurance for IT Professionals

... of your business but could also take a toll on your business' reputation. Cyber Liability Insurance covers the ... following a minor traffic incident. The company's Professional Indemnity policy responded and covered the ...

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Insurance for Mortgage Brokers

... your company. Cyber liability helps you safeguard your business against data breaches, computer hacking, and other forms of cybercrime covered under your policy. Statutory Liability Statutory liability insurance helps ...

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Insurance for Architects & Designers

... breaches. Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis ...

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Insurance for Consultants

... to mention the potential irreparable damage it can cause to your business' reputation. Cyber Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and ...

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Insurance for Hairdressers

... lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance Your business assets are as critical as your customers to maintain the cash flow. That s ...

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Tear and Share: Our customers get even with their old insurance policies

... campaign that showed how small business owners really feel about their ... system! The campaign features small business owners who were previously ... , showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, ... insurance, online, with all your documents emailed to you instantly. Switch & save on your business insurance ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... Understanding Insurance series we explore how Cyber Liability insurance can protect your business from ... ... is worth considering Cyber Liability insurance and how it can protect your business. What is Cyber Liability insurance? Cyber Liability Insurance protects your business against the expense and legal ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

... Zealand and especially to small businesses. Microsoft reported earlier this year ... ... network capability, but the damage an attack could do to a business's reputation in the community could be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ, as it ...

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BizCover expands its insurance offer and launches a new look

... and buy professional indemnity and business insurance online Sydney, Australia - December ... 2010. BizCover, the pioneer online insurance marketplace ... partners include Australia's leading insurers, QBE, Chartis, Vero and DUAL. To get a quote for professional indemnity, public liability or business insurance, and get instant coverage, please visit: www.bizcover.co.nz.

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Business Insurance

... you're in, Small Business Insurance can be tailored to suit your business needs and provide protection for your contents, stock and other assets. And you can include Public Liability Insurance to ensure you are left ...

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4 Areas You May Not Have Thought Business Insurance Covers

... work hard to build your business. So it's vital to ... protect your business assets and revenue against potential ... risks that may impact your ... a range of insurance solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for property ...

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Insurance for Accountants & Tax Agents

... ? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims of third party accidental damage to ...

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Insurance for Allied Health Professionals

... or members of the public to visit your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. Claim example A yoga instructor hired ...

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Insurance for Engineers

... on your premises or where you conduct your business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some sort that need ...

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Insurance for Personal Trainers

... it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do ... they may be. Having a combined Professional Liability package provides the financial protection you need ...

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Insurance for Real Estate Agents

... or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business insurances. It covers your liability to third parties for any property damage and or injury ...

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Insurance for Tradesmen

... 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 ...

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Insurance for Beauty Salons

... you not only has the potential to financially devastate your business, but it can turn your reputation into an ugly mess ... can be expensive to fix. Public Liability Insurance provides peace of mind against claims made ...

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Insurance for Bookkeepers

... to arrange your business insurance - just a ... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ...

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It's Time for an Insurance Health Check!

... also a great time for business owners to take stock and ... bit of planning for the business, including the goals and the ... direction of the ... levels of cover? For example, if your business is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements ...

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How to protect your small business from cybercrime

... the prowl, leaving no small business immune especially when it comes ... ... IT consultant or company? What security measures ... Liability insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your business ...

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

... worked hard to build your business, so it only makes sense ... hold and maintain a Professional Liability Insurance package. #1 Protect against claims ... 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 employee suffering ...

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Help Protect your small business' reputation

... comes to running a small business, your brand and its reputation ... small mistake to destroy your business in minutes. As Warren Buffet ... ... year at a cost of $257 million in 2016 alone (1). . If your business were to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal costs (which can add ...

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Employers Liability Insurance

Employers Liability Insurance For Your Business Whilst we all go to great lengths to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you ...

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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 ...

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Cyber Liability Insurance

... 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 occur after being hacked ...

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What is Professional Indemnity Insurance?

... business or individual Contractors who work for the government or other organisations whereby insurance ... of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the ...

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

... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... indemnity insurance, has announced today the launch of its ... convenience when obtaining their insurance policies. We are confident that BizCover's business model of a ... Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...

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Professional Indemnity Claims: when should I notify my insurer?

... clients, your Professional Indemnity (PI) insurance is no doubt one of ... covers you have for your business. If things don't quite ... ... Indemnity (PI) insurance is no doubt one of the most vital covers you have for your business. If things don ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... ... should cover all individuals and agents in the business. Given this requirement it is worthwhile looking ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ...

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Understanding Insurance, Part 3: Business Insurance

... to understanding insurance, we take a look at Business Insurance, the ... help protect your business. What is Business Insurance*? Business ... 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 fire ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be difficult to ... indemnity insurance is and why it might be important for your business ... . What ... time 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 ...

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Insurance for Travel Agents and Tour Operators

... Agents 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 ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... dealing with a lawsuit or insurance claim. Fortunately, this is where ... Professional Indemnity insurance can provide protection when you ... part ... or using jargon. We want to make buying business insurance a stress-free process without the hassle. Jump online to experience insurance made easy today. *As with any insurance, cover will be subject to the terms ...

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Tips On How To Better Your Business This Year

... is there to whip your business into shape for a successful ... ... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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Take Back Your Time With These Apps

... when you run your own business. One of the biggest skills ... you gain as a small business owner is the ability to ... ... . 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 ...

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Tips for making a Stress-Free Claim for your business

... business back up and running as quickly as possible. Making an insurance ... ... , providing that peace of mind when you need it most. You can find out more about Business Interruption insurance here . When Disaster Strikes Call for Help When you find yourself in the unfortunate situation ...

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The Art of Small Business Branding in the Digital Age

... communication tool ever devised but business owners who want to leverage ... digital branding. Branding your small business requires attention to ... ?” Every business has an origin story — and your customers want to know what it is. This isn’t something you’ll have to repeat ad nauseam or paste across everything you publish online, but your company’s story ...

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10 Amazing Facts About Small Businesses in New Zealand

... World Bank's 2017 Doing Business Report this year, it has ... an attractive place for small business owners. We have put together ... amazing key ... in NZ, you can see you are in great company! As a small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes from top NZ insurers in just a few ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract ... are on the lookout for businesses of any size with valuable ... sell on the ... less expensive), the threat of a cyber incident means all businesses need a security plan to protect their business and they should consider a Cyber Insurance policy as an essential part of this plan. This is general ...

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Professional Indemnity Insurance

... if you are not found liable, the legal costs of defending yourself could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such ...

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How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... premium is likely to be Your business size and turnover The individuals being covered - qualifications for the job they are performing The amount of insurance cover you require Previous claims history Your ...

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5 Money Saving tips for Small Business in NZ

Most small business owners are conscious of their ... out or have been in business a while, you'll want ... make the most of your business funds ... 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 best ...

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Find your business motivation this Easter with these tips

... and spark? As a small business owner, you're not alone ... asked a mix of small business owners to share their insights ... ... To help get through those rough patches when you're feeling a bit flat, we asked a mix of small business owners to share their insights and tips into what helps keep them motivated. From focusing on the bigger picture to ...

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6 ways your business can go paperless

It's no secret that businesses are adopting more sustainable solutions ... to operate their business, especially when it comes to ... present is there ... the plunge and go paperless . From clouds to e-signatures, here’s 6 top tips that can help any business in their mission to cut the paper. Get your head in the cloud When it comes to cloud – based ...

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Insurance by Professions

... 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 ...

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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 ... 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 is a reflection on themselves. Of course ...

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Insurance for Immigration Advisers

... need it? Grow your business with peace of mind. Did you Know? To be on the MARA list you will require a minimum of $250,000 Professional Indemnity (as at July 2017). Insurance for Immigration Advisers Professional ...

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Insurance for Recruitment Consultants

... of a breach of professional duty in respect of the conduct of the professional business in the Recruitment Industry. This class of insurance is written on a 'claims-made basis'. This means that the policy provides cover ...

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Emerging Auckland Yoga Studio Wins National Small Business Grant

Yoga Within started by accident. Owner Jessica was looking to rent a room to offer Yoga Therapy to private clients and stumbled across what later became her Browns Bay ... these practices are, gave me the confidence to sign the lease and get started.” At 4 months in the business is flourishing, already with such a strong and dedicated community behind her that she was able to beat the ...

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Customer Spotlight - Pirate & Queen

... Andrew Laking formed the production company, Pirate & Queen, in 2014 ... ... Directors Claire Mabey and Andrew Laking formed the production company, Pirate & Queen, in 2014. In a ... go out on their own and start their own event business. Unsurprisingly, their favourite part of the job is getting ...

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Customer Spotlight: TwoBlackLabs

... by managing and making their business' unique security and privacy risk ... ... asking for help. We talked about what GDPR means for companies, and I arranged to send them a GDPR Readiness ... the event of a claim my business can continue, and my family are not impacted. Insurance allows me to meet my ...

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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 ... venturing down the path of business ... business themselves back in 2010, BizCover NZ, an online insurance service for small businesses ... -man band. Have a valid NZ company number - to validate that you are an actual business. Wish for an item or service - ...

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Customer Spotlight - Two Sides

... and content writing business. Two Sides works with businesses, agencies and non ... . This involves working with these companies to produce ... . Two Sides works with businesses, agencies and non-profits, helping them find the right words to tell their stories and showcase their best side. This involves working with these companies to produce: website content ...

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Customer Spotlight: Mosh

... , we can look after their insurance needs. Today we're looking ... ... we can look after their insurance needs. Today we're looking ... businesses and organisation to be able to talk directly to their target audience, without shouting at them, without spamming them. We wanted to help companies ...

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Introducing our newest cover option: Personal Perishables Cover

... new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for ... ... it has been only for larger claims and never at a micro level. This means that insurance and help can be given to business people where they really need it. Cover starts from as little as $85 per month. *Conditionals ...

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... ... . THE UPS AND DOWNS Insurers don't always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the truth is, we don't get a chance to focus on the positives all ...

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Why having an office inventory list is essential and how to do it right.

... kind of thing that gets business owners excited, that is until ... comes to claim on your insurance. When you're filling out ... ... that inventory lists are not the kind of thing that gets business owners excited, that is until something happens and the time comes to claim on your insurance. When you're filling out your claim form, you'll probably ...

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Reviews related to business insurance liability

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby
    Manufacturing

  • 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

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

    Peter McLaughlin
    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

  • 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 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

  • Would prefer payment methods other than credit card. Being able to pay direct from my business bank account using Poli or other system would make life easier.

    John Cleveland
    Information Technology

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

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?