Consultant Business Insurance

Consultant Business Insurance

    • Trusted by thousands of Professional Consultants throughout NZ
    • 100% claims paying record
    • Buy now and get your certificate immediately

Insurance for Consultants

... earn over $60,000 a year. Source: Insurance for Consultants Consultants working in all industries should consider ...

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Insurance for Education Consultants

... which you may need to consider when protecting your education consulting business. Cyber Liability insurance* Your role as an education consultant means you work closely and store sensitive client information. If this ...

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What is Business Insurance

GET BUSINESS 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 ...

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Complete Guide to Business Insurance

... to hairdressers, marketing consultants and personal trainers, there are business insurance options to protect all kinds of small businesses. What is Business Insurance ? Business Insurance is an insurance package with ...

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Insurance for Recruitment Consultants

... process, no forms to fill in, get covered in minutes Why do Recruitment Consultants need Business Insurance? Insurance for recruitment consultants is there to provide protection against potential claims for a breach of ...

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Business Insurance

... action taken against you or your company. Business Interruption* Business Interruption cover protects you from ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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How much does Public Liability Insurance cost?

... lower risk professional occupations, such as IT consultants, engineers and other consultancy occupations, coming ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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What does Public Liability Insurance Cover?

... the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way. Alternatively ... to get in touch with one of our business insurance professionals. You can also access quick links to ...

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How to protect your small business from cybercrime

... do you outsource it to a professional IT consultant or company? What security measures have you put in place ... Liability insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? ...

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How to Start a Sole Trader Business

... consultants Small business owners operating businesses like a hairdressing salon, a personal training business ... confirm. These are some of the types of business insurance coverages that are available, but you don't ...

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Insurance for IT Professionals

... insurance. New Zealand's number one online insurance company We take pride in the 10,000 small businesses ... the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively ...

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Insurance for Tradies

... insurance. New Zealand's number one online insurance company We take pride in the 10,000 small businesses ... with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. ...

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Do Hypnotherapists need Business Insurance?

... phone, or Property (Contents) for furniture, fixtures, and similar items in your office. Insurance for Hypnotherapists Business insurance could give you greater confidence and peace of mind as you treat your patients. If ...

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What does business insurance cover

... a chat 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 ...

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Do I need Business Insurance

... Hi, Just a question I am a Event production company but the only section was Event Management on your form ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Business Insurance FAQs

... Service Loving the efficient way to renew business Natalie B. Massage Therapy Service I love how easy it is to do covers on bizcover compared to other insurance companies. Gwen S. Painter/Decorator Need Help? Visit ...

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Why You Should Review Your Business Insurance

... marketing campaigns and accounting just to name a few. But one thing which shouldn't be forgotten is reviewing your business insurance. It's often one of those set and forget things that we just do, but in the event that ...

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Tradies Guide to Business Insurance Packages

... getting injured on the job (see Employers Liability Insurance ) Business Insurance Business Insurance, often referred to as a 'Business Insurance Pack', provides trade business owners with financial protection for their ...

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Business Insurance Health Check Part 2

... . In part two of our series, we look at how you can ask a few questions and give your policies a business insurance health check. Catch part one of our two-part series here to get all the tips and hints from part of our ...

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What Is Inside A Business Insurance Pack?

... ) • Legal costs from any ensuing civil action taken against you or your company Business Interruption insurance: Business interruption insurance provides cover for the loss of income and increased costs of operating your ...

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How Are Business Insurance Premiums Calculated?

... lend a helping hand when it comes to getting your business insurance arranged. Whether you are renewing your small business insurance or buying your first business insurance policy, we are there each step along the way ...

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Managing Your Business Insurance During Inflation

... comes to the impact of inflation, and in our quick guide we take a look at how inflation influences business insurance and some tips of managing your policies. Inflation in flash The Reserve Bank of New Zealand describes ...

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Saving Hacks- Business Insurance For Tradies

... save a spare dollar here and there? Well, you're not alone. and when it comes to getting your business insurance sorted for your tradie business, we hear you. Whether you're flying solo as a sole trader or run a team of ...

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What You Should Know Before Becoming A Contractor

... Also consider what might happen if the company you're contracting for loses work. ... consultant , or one of many, many other types of consultant in New Zealand, BizCover can help you with a wide range of business insurance ...

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Top Digital Marketing Tips For Contractors

... your contractor business out there in the online marketplace. Whether you're a managing consultant or an ... consider how you are protecting your business for the long run. Business insurance is something that doesn't need ...

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Insurance for Allied Health Professionals

... ACC Known claims and circumstances Protect your business today. Business Insurance* It's important to take the time ... and quick. Thank you. Kharli H. Education Consultant Easy instructions and customer friendly Johnnie F. ...

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Customer Spotlight: Three Sisters Brewery

... share: “The highs will be higher and the lows will be lower, but hopefully you'll make a living doing something you are passionate about.” Get your business insurance today! Like them on Facebook Follow them on Instagram

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Our Holiday Hours 2022

... year of supporting small business owners in New Zealand with their business insurance needs! We are grateful for your support. Thank you for choosing BizCover to be a part of your small business journey in 2022. Whilst ...

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Take Back Your Time With These Apps

... run . 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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Diwali Customer Spotlight - Kavita's Kitchen NZ

... be stocked at the prestigious, artisan store, Moore Wilsons, in Wellington. Have you got business insurance to start your own business? “They believed in me and found my products to be delicious! The owner, David ...

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Conquering Stress and a Heavy Workload

... time management and by drawing on a range of stress-busting techniques, you can conquer stress, avoid overwork, and become even more effective and productive for your team. Protect your business with business insurance !

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Customer Spotlight: The Goat Farm

... might be looking to start their own business: “There's never been a better time. Client companies - even big ones - are more ... 't be a dick.” Get protected with business insurance . Visit their Website Like them on Facebook

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Easter Competition Terms and Conditions

... their immediate family) of the Promoter, related companies of the Promoter or agencies associated with this ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Referral Partners NZ

... This was soooo easy to sign up to, all other companies were asking me to fill out a million forms which was ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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6 ways your business can go paperless

... and suppliers in the loop by communicating any changes that may impact the way you do business with them. Have you looked into paperless insurance? Get quick online business insurance quotes sent straight to your inbox.

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How to Market your Business

... be helpful to you as you search for ways to market your business in challenging times. Alongside an effective marketing strategy, having robust business insurance coverages in place will give you the peace of mind if an ...

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... Scholarship $3000 Scholarship Prize About BizCover Since 2008, BizCover has been proud to be the first online business insurance comparison sites in Australia and New Zealand - and arguably in the world. We have gone to ...

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A Tradies Guide To Protecting Tools

... techniques. Insure your tools The next step important step in helping to protect your tools is to get your business insurance * sorted. While you may be familiar with policies like Public Liability, did you know there is ...

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Reviews related to Consultant Business 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

  • 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

  • It was easy and fast to attain.

    Jason Te Kare
    Consultancy Occupations

  • I loved being able to do everything online

    Dory Connor
    Consultancy Occupations

  • very easy to renew policy, no dramas or hold-ups. I didn't have to waste my time with petty details.

    Andrew Barrell

  • It was a very sttaightforward process

    Knut Stoyl
    Consultancy Occupations

  • Easy to understand and purchase, great experience

    Greg Campbell
    Consultancy Occupations

  • Answered all my questions, helpful, and followed up my online enquiry efficiently.

    Jan Broadley
    Consultancy Occupations

  • Simple, effective, quick, liked the compare feature

    Andy Dick
    Consultancy Occupations

  • Efficient service with reminder notice well in time, when my cover was due to expire.

    Consultancy Occupations

  • Fast efficient and user friendly

    Brett Stansfield
    Consultancy Occupations

  • It was quick & I had my questions answered promptly The only issue was understanding the accent of the person I was speaking to

    Jane Gresham
    Consultancy Occupations

  • The man who phoned and chatted to me was super knowledgeable and very friendly. He was able to answer every question I had on the spot without delay or referring me to anyone else - this never happens!

    Donna Swart
    Finance and Mortgage Broking

  • Easy to purchase. Good follow up and email reminder. Price Is good.

    Gabriel Molina

  • I recommend bizcovers simple and straightforward system for obtaining professional insurace online

    Alison Davies
    Consultancy Occupations

  • Easy and affordable. Friendly customer service rep.

    Ian Leader
    Consultancy Occupations

  • The person assisting me was helpful and called back when he said he would

    Consultancy Occupations

  • Online was straight forward and quick. The call I made addressed my needs and gave me a solution to my issue. Liked getting options and pricing was competitive

    Megan Curry
    Consultancy Occupations

  • Good reminders easy to renew online

    Rob Small

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

    Peter Digby

Did you Know?

To become a sole trader in New Zealand, you must have:

  • A personal IRD number for paying income tax and GST
  • Relevant government licences and permits that your business may require
  • Qualifications or registrations for your trade or profession.

You will also need to advise Inland Revenue that you’ve become a sole trader and you’ll need to register for GST if you earn over $60,000 a year.


Insurance for Consultants

Consultants working in all industries should consider insurance to safeguard their livelihood against the unique and commonplace risks they may face on the job. With so many new and emerging types of consultancy roles it is important that you understand the types of risks your business may encounter, even if you take all the measures in the world to keep it safe.

Insurance for management consultants*

Management consultancy is a growing area of expertise within the consultancy field. With a shift in the way that many businesses are now directing and running their businesses the demand is growing for more management consultants.

While you may be a management consultant who operates from home or visits your clients out on the road, ensuring you have the right business insurance in place are vital. Professional Indemnity insurance* is one of the main types of insurances you may need to consider, as well as Public Liability insurance* and Business Insurance*.

Professional Indemnity insurance* is something you may want to consider having in place before uttering those first words of management consultancy advice, a claim from a client without it could accidentally land you in hot water, a risk no small business owner wants to risk.

Professional Indemnity insurance may be a requirement if you work on certain contracts, and if you are a member of certain industry board or council you may also need to have a certain level of Professional Indemnity insurance in place. It is always a wise idea to check what level of coverage you may need when arranging your management consultancy Professional Indemnity insurance. Many consultants consider these and other policies:

Professional Indemnity

Giving advice or providing recommendations doesn’t come without risk. That’s why Professional Indemnity (PI) insurance is designed to provide the essential financial protection you need as a Consultant, to safeguard your business for claims made against you if you make a mistake, or are perceived to have made a mistake. After all, your business is your livelihood, so protecting it is paramount.

Our comprehensive Professional Indemnity insurance covers a broad range of consultancy occupations, including:

  • Advertising
  • Agronomist
  • Communications consulting
  • Compliance
  • Conveyances
  • Corporate
  • Fire and Safety
  • Forestry
  • Funeral Directors
  • Geological
  • Horticultural
  • Human resources / training services
  • Marketing / public relations
  • Marriage Celebrant
  • Mediators
  • Mineral Industry
  • Organisational structure & change management
  • Public relations
  • Risk Management
  • Strategic business planning
  • Title / Legal Searchers
  • Translator
  • Workflow processes & procedures

What is covered?

Professional Indemnity insurance is designed to protect your assets, your bank accounts, and your professional reputation. These policies typically do this by covering the costs associated with a claim, including:

  • Legal expenses, such as costs related to your legal defence, court attendance, and responding to disciplinary inquiries
  • Costs associated with formal and informal investigations of the claim
  • Damages awarded to the claimant
  • Public relations

PI policies usually cover the following events:

  • Providing negligent or misleading advice
  • Breaches of duty, such as confidentiality and other privacy issues
  • Defamation, libel or slander
  • Intellectual property and copyright infringement
  • Loss or damage to client documents
  • Bodily injury or illness caused by the professional services covered under your policy

What is not covered?

Professional Indemnity includes many important protections for consultants. However, it typically does not cover the following:

  • Intentional damage
  • Any claims or circumstances that are known prior to the period of insurance
  • Acts of fraud and dishonesty
  • Accidental injury and property damage

Public Liability

Public Liability insurance is a no-brainer when it comes to offering consultancy services. When you are dealing with clients on a regular basis, whether at your office or theirs, you will be exposed to many potential mishaps – something as simple as accidentally spilling coffee 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 or accidental injury (not covered by the ACC) to save you from having to pay from your own hip-pocket.

What is covered?

Typically, Public Liability policies will cover costs and compensation relating to:

  • Repairing or replacing damaged property
  • Third-party personal injury or death where the ACC does not provide cover
  • Your legal defence

What is not covered?

While Public Liability insurance can provide you with important peace of mind, it is still important to ensure that your business is operating in accordance with the law and the professional standards of your industry.

Public Liability insurance typically will not cover:

  • Injuries to your employees or yourself
  • Damage to your own property
  • Compensation for personal injury that is covered by the ACC

Protect your business today.

Business Insurance

Your clients are your bread and butter, but where would you be without your business assets? Business Insurance allows you to select the types of coverage that best suit your business, like contents, to protect against fire, earthquake, theft, vandalism and accidental damage.

Cyber Liability

Chances are you store valuable and sensitive client information online, which you need to protect. In today’s digitalised world, cybercrime and data breaches are common. Sensitive data can be compromised, resulting in very expensive costs, not 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 if sensitive client information is stolen.

What is covered?
Consultants can expect most Cyber Liability insurance policies to cover costs relating to:

  • Investigation of an event and data recovery
  • Business interruptions
  • Fines and penalties
  • Extortion payments
  • PR and crisis management for your consultancy

How much does insurance for consultants cost?

Like many consultants, you probably want to know exactly how much it will cost to insure your consultancy business. Insurers take many factors into consideration when they calculate your premium. Because every consultancy is different, the amount you will pay for insurance will likely differ from other small business owners, even other consultants.

Insurers may consider these and other factors when determining how much your insurance premium will be:

  • Your industry and the nature of your business
  • The size and annual turnover of your business
  • The number of employees being covered and their qualifications
  • Your past history of insurance claims
  • The amount of cover you are seeking

A good way to understand how much you can expect to pay for consultants insurance is to compare quotes from multiple insurers. Contact BizCover to receive instant quotes for consultants insurance today.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. 

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ABN 68 127 707 975; AFSL 501769

BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

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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