Commercial Insurance Comparison

Commercial Insurance Comparison

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Business Insurance

... . It's good business to set up a plan in place should the worst happen. Part of Commercial Insurance, Business Insurance is designed to protect your business today to ensure you'll be in business tomorrow. It's there ...

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What is Business Insurance

... INSURANCE What Is Business Insurance? 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 ...

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Business Insurance FAQs

... needed to make a potential claim, a drama no business owner wants to be faced with! It's no secret that insurance can sometimes be a bit confusing and like a language of its own right? We don't believe in using jargon ...

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What does business insurance cover

... to our friendly team to get a quote. Get more information Find out more about all thing business and insurance with our blog. These are some articles that may help provide some tips and tricks when it comes to running ...

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Do I need Business Insurance

... - this is a pretty obvious one, and a big kind of risk you need to think about when not having an insurance policy in place. The scale of the financial impact can range from a large Public Liability claim for an injury ...

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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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Frequently Asked Questions

... either pay online or over the phone.Quotes are valid for 30 days. If you don't wish to purchase the insurance policy straight away, you'll be provided with a username and password, where you can retrieve your quotes at a ...

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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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BizSave

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

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What Is Inside A Business Insurance Pack?

... outs of a Business Insurance pack. 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 ...

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Statutory Liability Insurance

... are some of the key areas that Statutory Liability insurance covers: Defence costs associated with alleged breaches of statutory acts affecting commercial activities The costs of representation at an investigation or ...

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How much does Public Liability Insurance cost?

... cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to ... if you fail to do so. Andrea A. Commercial Cleaning Services very easy to deal with excellent site ...

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What does Public Liability Insurance Cover?

... in place before leasing a property for commercial use. Trade businesses often open themselves up ... potential 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 ...

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Public Liability Insurance

... defending yourself. Public Liability explained further… 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 ...

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Insurance for Shop Owners

... something every shop owner needs to consider. 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 IT Professionals

... of options to cater to your individual business needs. Business Insurance is a 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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How Accountancy Insurance Protects Your Business

... investigations for alleged breaches affecting commercial businesses, as well as defence costs, and fines or penalties payable following a conviction. Cyber Liability insurance : Business insurance that reduces the risks ...

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Business Insurance Health Check Part 2

... are covered by the policy. 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 ...

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Insurance for Sole Traders

... period Protect your business today. 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 ...

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Insurance for Counsellors

... while on your business premises. 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 ...

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Insurance for Mechanics

... things that keep your mechanical business revving! 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 ...

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Insurance for Immigration Advisers

... in place to protect your business assets. 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 ...

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Insurance for Cleaners

... ACC Known claims and circumstances 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 ...

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Insurance for Handyman

... on and create a safety net for your livelihood. Business Insurance is an insurance package that includes cover for your business contents, stock, tools and commercial premises when a fire, storm, theft or other insured ...

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What Insurance Policies do Yoga Studios Need?

... . Here are a few: It may be required Some types of insurance may be required to do business. For example, commercial landlords commonly require Public Liability to lease their space. If you are renting studio space ...

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Insurance for Mortgage Brokers

... approved Mortgage Broker must have at least $1 million of cover. Insurance for Mortgage Brokers As a Mortgage Broker, you face a number ... of statutory acts affecting commercial activities Representation at an investigation ...

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Do Hypnotherapists need Business Insurance?

... and welcoming environment for your patients. 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 ...

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Retailer Insurance

... cover does the 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 in ...

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Saving Hacks- Business Insurance For Tradies

... attract a different premium then an electrician who works on commercial power stations. If your business premises has changed If you have Building or Contents insurance* for your business premises, you may want to also ...

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Insurance for Yoga Teachers

... business interruption, or dealing with a professional negligence claim, insurance can help you continue with business as usual. Did you know? If you lease commercial space for your yoga studio, you may be required to ...

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Insurance For Cafes and Restaurants

... food business Did you know? Many commercial landlords require the tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public ...

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What is Public Liability Insurance?

... to have it. It's as simple as that. Did you know? Commercial landlords may require business owners to show proof of Public Liability insurance before leasing their premises.Most public liability policies also extend to ...

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Insurance for Real Estate Agents

... challenge were to disrupt your business activities. 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 ...

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Insurance for Engineers

... . That is where Business Insurance can provide some reprieve. Business Insurance 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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Insurance for Travel Agents and Tour Operators

... in place to protect your business assets. 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 ...

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Insurance for Recruitment Consultants

... enough to potentially send your business bankrupt. 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 ...

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Insurance for Beauty Salons

... reputation against claims of negligence or professional misconduct made by clients. Public Liability insurance may be required by your commercial landlord to lease your business premises. In these cases, you'll likely be ...

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Insurance for Plumbers

... them. That's where business insurance can lend a helping hand. Business Insurance 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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Insurance for Painters

... may need to consider for your painting business. 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 ...

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Complete Guide to Business Insurance

... for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). Business insurance can also cover your portable equipment, and loss ...

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What Insurance do Beauty Salons Need?

... a coverage package designed to protect your business contents, stock, tools and commercial premises when an insured event occurs. Your Business Insurance policy can be customised to include different forms of cover, such ...

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Insurance for Contractors

... period Protect your business today. 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 ...

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Insurance for Massage Therapy

... can help protect you and your small business. Did you know? Public Liability* insurance may be required to sign a commercial lease for your massage rooms or day spa. It is also useful for mobile massage therapists ...

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Insurance for Designers

... Accidental injury and property damage 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 ...

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Insurance for Education Consultants

... your negligent business activities. 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 ...

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Insurance by Industry

... 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 ...

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How Cyber Insurance Protects Small Businesses

... in exchange for a release of the information or a return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small business from some of the unwanted challenges of the online ...

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Managing Your Business Insurance During Inflation

... tip of most business owners lips and is the driving force behind changes like the increased costs of living. Business insurance isn't exempt when it comes to the impact of inflation, and in our quick guide we take a look ...

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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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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 you ...

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Insurance for Allied Health Professionals

... 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 ...

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Insurance for Photographers

... 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 ...

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What is Professional Indemnity Insurance?

... in front of the judge, make sure it's not costing you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when you're in the business of providing advice or professional ...

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How Insurance Can Protect Landscape Architect

... architects put safeguards in place to protect their businesses. One way to do this is through business insurance. Insurance is essential for any business, and landscape architecture is no exception. Here are some of the ...

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Insurance for Psychologists

... 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 ...

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Insurance for Carpenters

... 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 ...

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Tradie Guide to Public Liability Insurance

... may be a mandatory requirement in order to obtain your trade licence. You may need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured as a result of your ...

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Cyber Insurance - Is it worth it?

... employee with a grudge, you may not be coveredby your Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. Make sure you have the right cover in place We live ...

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Business Interruption Insurance

... business you run and the services you provide Your annual turnover The number of staff employed Your history of insurance claims How much cover you want or need Comparing quotes can help you get an accurate idea of how ...

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Tool and Portable Equipment Insurance

... can be a bit overwhelming. Fear not, as our simple guide takes a look at some of the key kinds of insurances you need to think about as a New Zealand tradie. https://www.bizcover.co.nz/what-every-new-zealand-tradie-needs ...

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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
    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

Did You Know?

Business Insurance policies are made up of many different insurance products that you can tailor to the needs of your business. From your building, the contents of that building and the data that your business relies on.

What it typically covers

  • Material damage loss for your physical assets
  • Financial loss due to Business Interruption

 

Choose cover options below!

What is NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Claims arising from damage to third party property or personal injury
  • Known claims and circumstances

Protect your business today.

Cover Explained

Select the cover options needed for your business:

Building*

Building cover protects you from the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils.

This includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping. You also can get optional cover for natural disasters, including earthquake cover**.

Contents*

Property (Contents) cover protects you from the loss or damage to your contents, stock and equipment caused by fire and other perils.

It includes cover for money, theft equipment breakdown and seasonal stock increase. It also covers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.

You can also get optional cover for natural disasters, including earthquake cover**.

Cyber Liability*

Cyber liability insurance is a type of business insurance product which covers your business against both the legal costs and expenses, including compensation payments, related to cybercrime incidents. Your coverage may include cover for expenses and legal costs relating to data breaches, theft or loss of client information, business interruption costs, forensic investigation, data recovery, extortion, and fines and penalties.

It also could generally cover crisis management costs to restore your businesses reputation after an attack or data breach and legal costs from any ensuing civil action taken against you or your company.

Business Interruption*

Business Interruption cover protects you from 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.

You can also get optional cover for natural disasters, including earthquake cover**.

Portable Equipment

Portable Equipment cover protects you from the loss or damage to portable equipment, tools and valuable property anywhere in New Zealand. You can select your own cover limit and cover the loss of things like laptops and mobile phones anywhere in the world
Covers loss or damage of laptops and mobile phones anywhere in the world.

How much does Business insurance cost?

No matter if you sell fishing tackle or lollipops, no two small businesses are the same. Each business has its own set of risks to deal with and these risks effect what cover you may need. That’s why there isn’t a stock-standard price of business insurance. When calculating the price of your policy, there are many factors that are taken into consideration.

Some of these may include:

  • The size of your business
  • How many staff you have
  • The type of small business you are running
  • The type of coverage you take out
  • Your excess
  • The level of cover
  • Your claims history
  • Your shop’s location

Why choose BizCover for your business insurance?

At BizCover, our task is to make business 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 business insurance.

New Zealands’s number one online insurance business

We take pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

You can compare and choose from a range of competitive prices right there on your screen.  Seriously.

Built for small business

We know insurance and what 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.

Frequently Asked Questions

Is Business Insurance Mandatory?

While there is the flexibility to choose what sort of cover you want for your business and the level of cover, there may be some situations where certain types and levels of cover are mandatory.

For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially within the government sector. This is sometimes the case when becoming a member of certain industry bodies and boards.

Does Personal Insurance Cover Business Insurance?

It’s important to be aware that your personal insurance may not cover your business assets or property. If you have a home-based business, things like your home and contents insurance policy may not extend to provide cover for any liabilities which may relate to your business. You should check your policy details to check on coverage.

How do I make a claim on my insurance policy?

Need to make a claim? No dramas! 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, whilst 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

*This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975).
**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.

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. 

 

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