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What is Business Insurance

What is Business Insurance? Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, ...

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Insurance Options for Retailers

... store or a bakery, 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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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BizCover and n3

... may be considered 'small', but it's big to you and big to us! We believe that getting your business insurance sorted should be simple and hassle-free, leaving you time to focus on running your business. That's why we ...

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BizCover and Boost Your Business

... teamed up with Boost Your Business so that you don't have to do the research or the calling around to different insurance companies - we've done that for you. With just a few clicks or a quick phone call, you can compare ...

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BizCover and PriceMe

... . We have teamed up with PriceMe so that you don't have to do the research or the calling around to different insurance companies - we've done that for you. With just a few clicks or a quick phone call, you can compare ...

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... 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 ...

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Insurance for Shop Owners

... inbox, without the queues or paperwork. ; Did you Know? Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted ...

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Insurance For Cafés and Restaurants

... Did you know? Many commercial landlords require the tenant to have both P ublic L iability insurance and G lass insurance before signing a lease. ; Insurance for cafés and restaurants ...

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Insurance for Cleaners

... cleaning their home. Business Insurance* Business i nsurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

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Statutory Liability Insurance

... actions in the workplace. Statutory Liability Insurance protects you, your business and your ... representation in investigations for alleged breaches affecting commercial businesses, as well as defence costs, and ...

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Retailer Insurance

... rest. ; 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 ...

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Insurance for Mortgage Brokers

... If you are found negligent and don't have an insurance policy in place, you may face financial repercussions that ... in investigations for alleged violations affecting commercial businesses, along with defense costs, fines ...

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Insurance for Real Estate Agents

... home buyers and sellers. Be it residential or commercial, you are legally held responsible for your ... the amount of protection afforded. Business Insurance Business Insurance provides cover for your business assets ...

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BizCover and NZ Retail

... for retailers below: Business Insurance* Business Insurance** is an insurance package designed to provide cover for your retail business' contents, stock, tools and commercial premises when an insured event ...

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Diwali Customer Spotlight - Kavita's Kitchen NZ

... growing their business, she jumped at the opportunity. Kavita had her wish of a new grand chiller, large commercial pots and a can opener, granted as a result of her winning the competition. “The larger pots will ...

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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 ...

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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 ...

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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 ...

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What does Public Liability Insurance Cover?

... way, a claim could have a devastating impact on your financial situation. Having the right Public Liability insurance in place is vital for helping you stay in business for the long run. Different types of claims ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ;

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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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 ...

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How much does Public Liability Insurance cost?

... . To give you an idea, we have put together a snapshot of how much a stand-alone Public Liability insurance policy can cost for a small business, by analysing data from BizCover policies sold over the course of 2017 ...

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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 ...

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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 ...

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Why do brilliant business ideas sometimes fail?

... the one thing we can do to help make your business dream a reality is provide hassle-free business insurance options to protect your business from unwanted challenges. Visit us online or give us a call to receive ...

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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 ...

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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 ...

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Reviews related to Commercial Insurance Comparison

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

    Peter Digby


    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

  • 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

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Independent feedback from our customers rated our service at excellent.

Cover Explained

Select the cover options needed for your business:


Covers the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils.

  • Includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping
  • Optional cover for natural disasters, including earthquake*

Property (Contents)

Covers loss or damage to your contents, stock and equipment caused by fire and other perils.

  • Automatically includes cover for:#
  • Covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
  • Money
  • Theft
  • Transit
  • Equipment breakdown
  • Seasonal stock increase
  • Stolen keys
  • Optional cover for natural disasters, including earthquake*

Portable Equipment

Covers loss or damage to portable equipment, tools and valuable property anywhere in New Zealand.

  • Select your own cover limit
  • Covers loss or damage of laptops and mobile phones anywhere in the world


Business Interruption

Covers you for the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.

  • Optional cover for natural disasters, including earthquake*

*Cover for natural disasters is subject to the location of your business and is not available to all postcode areas.
#Sub-limits and conditions apply. Refer to the policy wording.