General Liability For Small Business

General Liability For Small Business

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Do I need Business Insurance

... is something no small business owner wants to experience. Your reputation – Your small business' reputation is ... to take out your own Public Liability insurance * This information is a general guide only and does not take ...

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Business Insurance

... taken against you or your company. Business Interruption* Business Interruption cover protects you from ... extend to provide cover for any liabilities which may relate to your business. You should check your policy details ...

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BizCover and Boost Your Business

... Zealand Acts of Parliament. Cyber Liability Insurance* Protects your business against the expenses and legal costs ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Business Insurance FAQs

... guru, whatever you do for a crust, your small business is big business to us. So we appreciate how crucial it is ... to do covers on bizcover compared to other insurance companies. Gwen S. Painter/Decorator Need Help? Visit ...

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What is Business Insurance

... business assets. Where Public Liability insurance is designed to provide protection for you and your business ... help protect your small business against unwanted challenges. * This information is a general guide only and ...

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Priceme

... Sold Compare and Save on Your Small Business Insurance Your business may be considered 'small', but it's big to you ... Acts of Parliament. Cyber Liability Insurance* Protects your business against the expenses and legal ...

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BizCover and n3

... illness arising out of his or her employment where the ACC does not provide cover. Cyber Liability protects your business against the expenses and legal costs associated with data breaches, being hacked, or the theft of ...

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What does business insurance cover

... What kind of businesses need business insurance? The reality is, if you are running a small business, you are ... have been aware were covered with business insurance! * This information is a general guide only and does not ...

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BizSave

... “one size fits all” solution for small business insurance, each business is unique so we provide different cover ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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Frequently Asked Questions

... premium in full. Payment Options Cash flow can sometimes be a problem for small businesses so we provide different payment methods to suit your business: 1.Credit Card Pay the total policy amount upfront on your choice ...

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Does your small business need an IT solution?

... company. Facilitating the technology race The technology race is speeding up across the New Zealand small business ... linkedin.com/company/independent-it-consulting-services-ltd/ * This information is general only and ...

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How To Start A Small Business On Etsy

... for businesses that export their products. Small business insurance products like Public Liability are ... amazing idea sent out to the world. This information is general only and does not take into account your objectives, ...

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Help Protect your small business' reputation

... alone (1). . If your business were to be the victim of a cyber attack, Cyber Liability insurance is there to help by ... ://blogs.business.microsoft.com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general advice ...

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How To Stay Motivated As A Small Business Owner

... that space in your mind. Worrying about the business is an issue for many small business owners. While you may not be able ... the basics like Public Liability and Professional Indemnity to Business Insurance and more.* Our ...

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10 Ways To Help Protect Your Small Business

... many types of small businesses and their unique business insurance needs. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance and more ...

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Turn your side hustle into a small business

... Insurance – If your side hustle business interacts with the public you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as General Liability, gives you peace of mind . ...

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Do I need Public Liability Insurance?

... your negligent business activities. Understanding how Public Liability insurance can protect your small business doesn't ... . The information contained on this web page is general only and should not be relied upon as advice ...

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How To Start Your Own Accounting Business

... business, you may experience hiccups that could negatively impact your company. Let's not take the risk! With small business ... may arise. Public Liability Insurance could also benefit your business by protecting it against ...

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Public Liability Insurance Explained

... Liability cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business ... today. * This information is a general guide only and does not take into ...

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Employers Liability Insurance

... Liability insurance. New Zealand's number one online insurance company We take pride in the 10,000 small businesses ... . The information contained on this web page is general only and should not be relied upon as advice ...

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What is Public Liability Insurance?

... any premises where your customers or members of the public visit ALL business that have interaction with customers or the general public should have Public Liability insurance Another thing to keep in mind is who you are ...

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Cyber Liability Insurance

... data or network security breach against your company Almost every business is dependent on their data to ... Protect your business today. What type of businesses need to consider Cyber Liability insurance? A general rule of ...

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How To Start A Small Business

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How Cyber Insurance Protects Small Businesses

... what does it mean to you as a small business owner and how can Cyber Liability insurance help to protect you? We explain ... breach against your company Who needs Cyber Liability insurance*? Cyber Liability insurance is there ...

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6 Reasons why some small businesses fail

... hearted. Unfortunately for many small business owners, the reality of running their own small business is a short-lived ... . The information contained on this web page is general only and should not be relied upon as advice ...

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What does Public Liability Insurance Cover?

... Public Liability insurance sorted today At BizCover, we understand how busy life can get as a small business owner ... easy today with BizCover. * This information is a general guide only and does not take into account your ...

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How To Grow Your Trade Business In 2023

... Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your accounting small business without drama and get on with your day. *This information is general only ...

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How much does Public Liability Insurance cost?

... Insurance cost? On average, small business owners can expect to pay around $49 per month for Public Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance is an essential ...

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How to Open Your Own Retail Business

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What Is Inside A Business Insurance Pack?

... insurance Cyber Liability insurance is something that small business owners who ... you can find us at 0800 249 268. *This information is general only and does not take into account your objectives, financial situation ...

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Tradie Guide to Public Liability Insurance

... general public. It's worth noting too that whether you have employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing the risks to your trade small business. Regardless ...

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Public Liability Insurance

... why you should choose BizCover for your Public Liability insurance. New Zealand's number one online insurance company We take more pride in the 10,000 small businesses we have helped already… and counting. Clear and ...

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Why do brilliant business ideas sometimes fail?

... in the future. Lack of research S tarting a business without any understanding or direction for your business is a rookie mistake made by many small business owners. Things like not developing your product or services ...

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How To Market Your Accounting Business Online

... promote your accounting business, so you might as well design your new company website from the ... business via business insurance , including Public Liability insurance , Professional Indemnity insurance and small business ...

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How to Start a Dog Walking Business

... account and lead you to close your business. Running a small company can run some risks, so as a dog walker, you might consider insurance as a safety net. Dog walking liability insurance has also been designed to give ...

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How Accountancy Insurance Protects Your Business

... business. Statutory Liability insurance : Business insurance that protects you, your business and ... can reach us on 0800 249 268. *This information is general only and does not take into account your objectives, financial ...

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Am I Ready To Start A Trade Business?

... company vehicles; business ... Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your trade business without drama and get on with your day. *This information is general ...

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Tips for How to Start a Carpentry Business

... business plan. Many small business owners don't bother writing a business plan because they think it's something that only big companies ... ! Get started today. This information is general only and does not take into account ...

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Cyber Liability Insurance Explained

... small business* operators, it is worth considering Cyber Liability insurance and how it can protect your business ... security breach against your company Why do I need to consider Cyber Liability insurance? A common ...

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4 Tips For Starting An Online Business

... target audience and a description of your company’s core values. A good business plan will be a key indicator ... you try and establish an online small business. This information is general only and does not take into ...

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Guide To Setting Up A Massage Business At Home

... leave you open for claims of negligence. Public Liability Insurance * is another essential type of cover ... a sustainable massage therapy small business in New Zealand. * This information is general only and does not take ...

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7 Money Saving tips for Small Business in NZ

... BizCover, we understand how hectic life can get as a small business owner, and that's why we make getting your insurance ... today with BizCover. * This information is a general guide only and does not take into account your ...

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6 Apps To Help Boost Small Business Productivity

... required. Get a quote today and start saving time and money on your small business insurance with BizCover. *This information is general only and does not take into account your objectives, financial situation or needs ...

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BizCover and NSNZ

... Public (General) Liability $1 Million (each occurrence) $250 Statutory Liability $500,000 $500 Employers Liability $500 ... 8.30pm and Saturday 11am - 6.00pm. Protect your business today. * * As with any insurance, cover will ...

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Digital Marketing Mistakes Tradies Make

... want to know about – Public Liability insurance. Often referred to as General Liability, it gives you - and your customers – peace of mind, protecting you and your business against claims by providing compensation for ...

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8 Steps to Manage Anxiety for Psychologists

... reputation to be damaged. Knowing that your small business is protected will help ease any anxiety ... or omissions. You may also wish to consider Public Liability as part of your psychologist insurance, which will assist ...

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A Tradies Guide To Protecting Tools

... on top of all your other expenses running a small business could you afford to replace them? Losing such expensive ... inspections, and more. * This information is a general guide only and does not take into account your ...

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16 Tools Every Carpenter Needs!

... ! Insurance for carpenters helps protect your small business from common risks, like accidentally damaging a ... easy to buy coverage online! This information is general only and does not take into account your objectives ...

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Work Smarter as a Massage Therapist

... this risk. Public Liability insurance is designed to provide protection for your business in these situations ... against these risks too. * This information is general only and does not take into account your objectives ...

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How to Hire an Apprentice for Carpenters

... have interview training and resources for business owners. Some general interview tips that may help include: ... . Looking for carpenter insurance to protect your small business and employees? BizCover makes it easy to ...

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EOFY Tips For Carpenters!

... be necessary to fully protect your small business. As your business grows and changes, your carpenter ... your carpenter insurance—Start now! This information is general only and does not take into account your objectives ...

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How To Protect Against Network Breaches

... As a small business owner, what would you do if your network were breached? To ensure that your company runs smoothly ... it could protect your business from the consequences of an attack. Cyber Liability insurance is a type ...

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How Insurance Can Protect Landscape Architect

... consider protecting yourself and your business against potential liabilities. Given the work involved can ... by the insurer, not BizCover. This information is general only and does not take into account your objectives, ...

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Managing your Public Liability risks as a tradie

... site or having clients visit your business premises, as a small business owner there is a level of ... and when you run your own tradie business, getting things like your Public Liability insurance sorted can take up time. We ...

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Referral Partners NZ

... you a trusted advisor for small business owners? As a trusted business services provider, our referral partner ... This was soooo easy to sign up to, all other companies were asking me to fill out a million forms which was ...

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Reviews related to General Liability For Small Business

  • Prompt, professional, ease of purchase…and competitive pricing

    Viraj M.

  • I have already given feedback. Really easy and have referred several colleagues to you over the years

    Judy O.

  • Quick and hassle free insurance cover for small businesses.

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  • I rang several insurance brokers/company and this was the one that gave me the quickest, easiest quote without having all my personal detail and having to wait for someone to call me back! Thanks.

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  • Easy process with reminders coming through on when to renew insurances by.

    Brett S.

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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