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How Plumbers Can Protect their Business with Public Liability Insurance*

As a plumber you are faced with different challenges every day, one minute you're fixing a burst pipe, next youre unplugging a drain, no two days are ever the same! ... level of Public Liability insurance in place, ... general property) insurance* can cover specified items such as tools, business equipment or electronic items, or unspecified items of lower value.  Cover may be comprehensive ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... , DDOS attacks and session hijacking. Cyber Liability insurance may not prevent an attack, but it ... on needs to be calculated, controlled and covered by a comprehensive insurance plan. This is general advice only.

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Understanding Insurance, Part One: Public Liability Insurance

... understand the importance of business insurance and the different kinds of ... off our series of Understanding Insurance [] ... types of cover, Public Liabil i ty Insurance. What is Public Liability I nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your business ...

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How much does Public Liability Insurance cost?

... Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance ... cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option ...

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Public Liability Insurance

... 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 against such ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business ... ... 2m cover. Every business should consider Public Liability Insurance - even home-based businesses. It covers ... of dollars), and could be enough to put a small business out of business! This is general advice only.

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What is Public Liability Insurance?

... or members of the public visit ALL business that have interaction with customers or the general public should have Public Liability insurance Could this happen to your business? Accidents can happen at any time. Some of ...

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Insurance Options for Retailers

... wrong. Having the appropriate retailers insurance in place to protect your ... ... for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a smart ... tasks of running your business. Cyber Liability insurance is designed to help protect your retail ...

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The difference between public liability and professional indemnity insurance

... between Professional Indemnity and Public Liability insurance as the two types of ... of protection. Public Liability Insurance VS Professional Indemnity ... client making a claim against you. A Public Liability claim could result from Accidental damage to a ... general public should have Public Liability insurance Do I really need Professional Indemnity Insurance? ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... ... Get Free Quotes Employers Liability Insurance Employers Liability Insurance protects the company and ... being left high and dry should you need to make a claim. Get Free Quotes This is general advice only.

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

... most common issues with Business Insurance is that policy owners often ... ... with how much you're covered for. Using Professional Liability as an example again, you could be covered ... premium. The point is that you need to keep your insurance as current and correct as possible so that when you need ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against ... , shutters and grills Ensue there is adequate lighting at night This is general advice only.

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Insurance for Engineers

... may have 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 ...

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Insurance options to protect your cleaning business

... your business has the right insurances in place for when things ... ... ( or general property ) insurance provides cover for specified items such as tools, business equipment or electronic items , or unspecified items of lower value .  Cover may be comprehensive , which ...

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

... should hold and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... of a breach of your general liability. Public Liability insurance protects you against claims from customers ... of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best ...

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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 clients, ... Liability insurance * One of the most common forms of insurance is Public Liability . S ometimes referred to as General Liability insurance ... . Business Insurance * Take ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... we explore how Cyber Liability insurance can protect your business from ... ... to consider Cyber Liability insurance? A common ... 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 ...

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Emerging Auckland Yoga Studio Wins National Small Business Grant

Yoga Within started by accident. Owner ... rent a room to offer Yoga Therapy to private clients and ... Bay premises. I first experienced yoga ... and open a studio.” “The current popularity of yoga and my conviction about how valuable these practices are, ... in their daily lives.” The leap from yoga teacher to business owner has been an interesting one ...

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Statutory Liability Insurance

... positions 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 ...

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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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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 ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they're real people doing real damage across the globe, especially ... be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ ... business.microsoft.com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general advice only.

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What does Professional Indemnity Insurance cover?

... may need to spend an extensive amount on legal fees to defend against the claim of liability. Professional Liability insurance can cover the cost of the claim for compensation and the costs associated with defending your ...

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BizCover expands its insurance offer and launches a new look

... buy professional indemnity and business insurance online Sydney, Australia - December ... , 2010. BizCover, the pioneer online insurance marketplace ... and easy online professional indemnity and public liability insurance for over 200 professions. The new website ... new professions and verticals to our already comprehensive insurance offer”, adds Mr Gottlieb. Although ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... investing in the right business insurances can save your business when ... ... , you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection for  ... The information contained on this web page is general only and should not be relied upon as ...

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Business Insurance

... and other assets. And you can include Public Liability Insurance to ensure you are left financially sound for the ... through theft or attempted theft at your premises. General Property Covers for loss or damage to portable & ...

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Insurance for Consultants

... it is paramount. Our comprehensive Professional Indemnity insurance covers a broad range of ... up costing you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which may ...

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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 ...

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Insurance for Architects & Designers

... night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out ... and the general public, then the short answer is yes. Public Liability insurance is an ...

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It's Time for an Insurance Health Check!

The end of financial year is a time for people to plans for the new financial year ahead. It's also a great time for business owners to take stock and do a bit of planning ... consider increasing the level of public liability insurance that you hold. Are there statutory ... make sure your business is insurance fit for the upcoming challenges your business faces! This is general advice only.

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Insurance for Allied Health Professionals

... can rely on us to look after your business insurance. As an allied health professional, small mistakes can ... taking out public liability insurance for your protection. Claim example A yoga instructor hired premises in ...

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Insurance for IT Professionals

... Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? ... toll on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following ...

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Insurance for Hairdressers

... likely insist on you having public liability insurance. Business Insurance Your business assets are as ... months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the ...

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Insurance for Mortgage Brokers

... made against your business. Public Liability Public liability insurance helps protect your business against ... put you out of business. The right public liability cover can defend you against compensation claims and legal ...

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Insurance for Accountants & Tax Agents

... day with the books. That's why Professional Indemnity insurance is designed to protect you and your business from any ... or an inadvertent error with Cyber Liability insurance, which provides coverage for expenses like ...

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Insurance for Beauty Salons

... damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made against ... your policy. 3 things to ask yourself when buying insurance Does the policy cover all your areas of work? ...

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Insurance for Painters

... cover only the insured and their employees, not subcontractors. Insurance for Plumbers Public Liability Public Liability is perhaps the most important insurance option for painters to consider. It will protect you in ...

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Insurance for Personal Trainers

... when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the ... . Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ...

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Insurance for Tradesmen

... 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 ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... home, your home and contents insurance policy might not cover all the liabilities related to your business. As ... the market to ensure that you are getting the best rate for your insurance. This is general advice only.

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be ... explain what professional indemnity insurance is and why it might ... is Professional Indemnity Insurance is key. This is why comparison sites are helpful to find the best cover that suit your business. Comparison sites like BizCover allow you to get live online quotes, and purchase it directly. This is general ...

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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 ... where the Professional Indemnity insurance comes into play. ... 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 ...

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Understanding Insurance, Part 3: Business Insurance

... of our guide to understanding insurance, we take a look at ... Business Insurance, the different kinds of cover ... business. What is Business ... is Business Insurance*? Business Insurance is ... 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 ...

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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 ... that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk ... the data of almost 500 BizCover customers with PI insurance in 2017, you can see that the average cost ...

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Professional Indemnity Insurance

Professional Indemnity Insurance For Your Business When operating a business, your primary goal is to provide a ... could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and ...

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4 Areas You May Not Have Thought Business Insurance Covers

You work hard to build your business. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, ... in handy should you need to make a claim. General Property You can cover portable items owned by you ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not ...

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Insurance for Real Estate Agents

... Public Liability This insurance is an essential component of any business insurances. It covers your liability to ... business as a result of any insured peril. Cyber Liability Working as a real estate agent, you will have ...

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What is Professional Indemnity Insurance?

... and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional ... cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... 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 advice only.

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

We recently launched a campaign that showed how small business owners really feel about their expensive, archaic policies and encouraged them to get them out of their ... , showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, ... there's no nasty paper policies. Just hassle-free insurance, online, with all your documents emailed to you ...

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Insurance for Bookkeepers

... out your business insurance. We know you ... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ...

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Insurance for Immigration Advisers

... ,000 Professional 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 Recruitment Consultants

... clients is your expertise and getting you the right insurance is ours. With just a few clicks or ... date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a ' ...

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Insurance for Travel Agents and Tour Operators

... clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get ... Insurance for Travel Agents and Tour Operators Professional Indemnity (PI) insurance provides ...

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How to protect your small business from cybercrime

Unfortunately, there's no off season for cyber criminals who are always on the prowl, leaving no small business immune especially when it comes to obtaining financial ... your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your ... https://www.consumerprotection.govt.nz/general-help/scamwatch/report-a-scam/ The Inland Revenue Department ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... were to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal ... .com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general advice only.

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Professional Indemnity Claims: when should I notify my insurer?

... clients, your Professional Indemnity (PI) insurance is no doubt one of ... ... to a claim at the time of taking out your PI insurance, no matter how big or small Do not ignore any ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... ... Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ...

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Customer Spotlight: TwoBlackLabs

... . They also specialise in providing General Data Protection Regulation (GDPR) privacy ... ... needs easier. They also specialise in providing General Data Protection Regulation (GDPR) privacy related ... can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with certain ...

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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 ... provider of online professional indemnity insurance, has announced ... per cent of the New Zealand professional insurance market is concentrated amongst three insurers. BizCover ... Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...

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Customer Spotlight: Mosh

... , we can look after their insurance needs. Today we're looking ... ... social media agency, we can look after their insurance needs. Today we're looking at one of ... is no easy task, there's a lot to like. “As the General Manager of Mosh , I enjoy the multi-faceted nature of the job. ...

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... ... t always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the ... your routine. And when the bad things do happen, you know who to call. This is general advice only

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Tips for making a Stress-Free Claim for your business

... quickly as possible. Making an insurance claim can be stressful - ... ... records demonstrating how much your business is turning over. If you want to know more about your policy or have any questions, contact your insurance service provider today. This is general advice only

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Introducing our newest cover option: Personal Perishables Cover

... new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for ... ... individuals. In the past 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 ...

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7 Ways You Can Protect Your Business and Personal Information Online

The world today is digital, where you can now do everything, from reading books, listening to music, booking a taxi, pre-ordering your groceries for delivery and even ... overwhelming it's worth considering cyber insurance for your business. Most cyber insurance policies will not only cover your ... .com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general advice only.

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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 get a range of answers. However, there is common one thing ... they need not be a policy holder with BizCover's insurance service to win. “So much of BizCover's success ... winning the BizGiver grant has helped make life a little easier for them. This is general advice only.

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5 Money Saving tips for Small Business in NZ

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... to get a new loan, credit card, bank account or insurance for their business. It may be that the provider of ... , it means being smart with your cash and spending your money wisely! This is general advice only.

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Managing the work-life balance see-saw: Secret tips for small business owners.

Owning your small business can feel a bit like a balancing act with the everyday responsibilities of running the show, whilst trying to maintain a healthy lifestyle ... tasks, like reminding you when is your insurance up for renewal again. Intrigued? These are ... can avoid running the risk of a burnout, while still managing a successful small business. This is general advice only.

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Customer Spotlight: Scotchbox

Scotchbox is all about sampling Whisky and other spirits that aren't easy to find, or, you perhaps wanted to try but didn't want to buy a bottle. With Scotchbox you ... bottles has also motivated McBride to ensure that he has insurances in place to protect his Scotchbox stock. “I chose ... because I want to be protected from public liability, selling food and drink to consumers and alcohol ...

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10 Amazing Facts About Small Businesses in New Zealand

With New Zealand ranking #1 in the World Bank's 2017 Doing Business Report this year, it has proven to be an attractive place for small business owners. We have put ... 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 clicks or a ...

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Tips On How To Better Your Business This Year

With 2019 only just getting underway, what better time is there to whip your business into shape for a successful year. Taking the time to review some of your existing ... a phone call 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 ...

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Take Back Your Time With These Apps

Time. It's something we could all do with a little bit more of, especially when you run your own business. One of the biggest skills you gain as a small business owner ... . 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 comprehensive general liability insurance

  • 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

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

    Peter Digby
    Manufacturing

  • 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

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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?