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Small Business Insurance: Why you might want to ensure you're covered!

You shouldn't think of insurance just as an expense, instead ... incidents and claims that a small business could come up against vary ... ... and as business owner you could be in the firing line if your employee sues your business for damages as ... rise, cyber insurance may be required Many small businesses think their business is too small to attract ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... risk management, however, and a tailored insurance plan, your business will be in the best position to ... You Do? Firstly, borrow within your means. Many business owners take on too much debt with repayments they can't ...

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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 fail to ... ... a painful way to learn. Business owners also need to stay engaged in the insurance process. Insurance isn't a 'set and ... to a smaller amount than the standard limit. For example, while your PI insurance might pay ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business can be pretty straightforward, jump ... quotes and buy the insurance that suits your business ... pretty straightforward, jump online, compare quotes and buy the insurance that suits your business. But there are a few things you may not know about small business insurance - which may help you choose your next policy ...

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Business Insurance

... or revenue Increase in cost of working No matter what industry you're in, Small Business Insurance can be tailored to suit your business needs and provide protection for your contents, stock and other assets. And you can ...

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Understanding Insurance, Part 3: Business Insurance

... to understanding insurance, we take a look at Business Insurance, the ... help protect your business. What is Business Insurance*? Business ... cover available and how it can help protect your business. What is Business Insurance*? Business Insurance is designed to protect your business contents, stock and other assets against events like fire ...

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Insurance options to protect your cleaning business

... cleaning contractor or operate a small cleaning business, you know how important ... also important that your business has the right insurances ... small cleaning business, you know how important it is to have an eye for detail, ensuring you make your clients happy with squeaky – clean results. It's also important that your business has the right insurances ...

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Insurance Options for Retailers

... store can be a complicated business, with no two days ever ... wrong. Having the appropriate retailers insurance in place to protect your ... ... up shop due to a majorinterruption? Business interruption insurance, another BizPack option, provides cover for ... the insured premises. Cyber Liability* Like most small businesses, there's a high chance you rely on ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... business's finances and reputation. This is where investing in the right business insurances ... can save your business when unexpected incidents ... business's finances and reputation. This is where investing in the right business insurances can save your business ... defend your business. It can be a cost that is overlooked by many small businesses, who ...

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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 .. ... , knowing you can confidently go about your work and protect your reputation should the worst happen. Business Insurance * Take the time to think about all the equipment you need to get the job done ...

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It's Time for an Insurance Health Check!

... also a great time for business owners to take stock and do ... bit of planning for the business, including the goals and the ... direction of the ... or so and you're at that stage of where you want the business to be? Any changes in your business mean that there may be considerations for your insurance. Firstly, do you have the right types of cover and levels of ...

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4 Areas You May Not Have Thought Business Insurance Covers

... work hard to build your business. So it's vital to ... protect your business assets and revenue against potential ... risks that may impact your ... policy in a while, now is the time to do it. BizCover offers a range of insurance solutions to protect your business. You can tailor a policy to suit your needs and include other essential covers such as Public ...

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10 Amazing Facts About Small Businesses in New Zealand

... World Bank's 2017 Doing Business Report this year, it has ... be an attractive place for small business owners. We have put together for ... some ... With all these exciting facts about small businesses in 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 - ...

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Types of small business insurance in New Zealand

If you own a small business, there's no denying one ... your assets is Small Business Insurance. But what kind of insurance do you actually . ... there's no denying one the most important things you need to protect your assets is Small Business Insurance . But what kind of insurance do you actually need? There's no 'one-size-fits-all' when it comes to insuring ...

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How to protect your small business from cybercrime

... on the prowl, leaving no small business immune especially when it comes ... ... a tax refund Common scams that target small business owners Phishing emails : Keep an out for emails ... you outsource it to a professional IT consultant or company? What security measures have you put in place to ...

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5 Money Saving tips for Small Business in NZ

Most small business owners are conscious of their cash ... out or have been in business a while, you'll want ... make the most of your business< ... financial services for your business. Many business owners will often just go to the same provider of their personal finances to get a new loan, credit card, bank account or insurance for their business. It may be that ...

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

... a campaign that showed how small business owners really feel about their expensive ... their system! The campaign features small business owners ... out of their system! The campaign features small business owners who were previously victims of their old ... done with it, saying he'd then treat it to the company of his parents. His lovely 83-year-old mother would give ...

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Public Liability Insurance: 5 Tips for choosing the best policy for your business

... or small business owner, protecting your business and your customers with Public Liability insurance is ... of the public, sue your business ... you can compare the premiums and the policy features. There are many options for small business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring around and wait for ...

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Understanding Insurance, Part One: Public Liability Insurance

As a small business owner, there is a lot to ... about when running your own business. Whether its balancing the ... to understand the importance of ... a small business owner , there is a lot to think about when running your own business. Whether ... of defending yourself. Why do I need Public Liability Insurance? While you may take all the care in ...

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Tips for making a Stress-Free Claim for your business

... business back up and running as quickly as possible. Making an insurance ... ... covers you for, jump on the phone to your insurance service provider. Having a chat to a real-life ... these receipts too. Measure the Impact Something that small business owners often forget, is how much of an impact ...

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Tips On How To Better Your Business This Year

... is there to whip your business into shape for a successful ... ... of business! Staff Whether your business has 5 or 35 employees, as a small business owner there ... comes to sorting out your business insurance. A few small changes to your small business can have a big impact. ...

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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 ... due to the number of claims each insurance company has received for each specified occupation. Below ...

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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 ... venturing down the path of business ownership: the never ... barriers to growth that business owners face every day. Any small business owner or employee can make a wish for their business, and they need not be a policy holder with BizCover's insurance service to win. “So ...

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Take Back Your Time With These Apps

... skills you gain as a small business owner is the ability to wear ... ... when you run your own business. One of the biggest skills you gain as a small business owner is the ability to wear ... and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to ...

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Customer Spotlight: TwoBlackLabs

... by managing and making their business' unique security and privacy risk ... ... this recent customer experience: “A recent small business owner called me after receiving multiple questionnaires about ... for help. We talked about what GDPR means for companies, and I arranged to send them a GDPR ...

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The Art of Small Business Branding in the Digital Age

... communication tool ever devised but business owners who want to leverage its ... of digital branding. Branding your small business requires attention ... ever devised — but business owners who want to leverage ... company is about far more than logos and colour schemes. If you’re stumped when it comes to developing a brand voice and personality for your small business ...

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Help Protect your small business' reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... but it can take just one small mistake to destroy your business in minutes. As Warren Buffet famously ... few to consider: Professional Indemnity Insurance If your business provides a professional service or advice ...

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Emerging Auckland Yoga Studio Wins National Small Business Grant

Yoga Within started by accident. Owner Jessica was looking to rent ... ... finalists and come out on top in BizCover's national small business grant, BizGiver. “I entered in a moment of ... some of the simple barriers to growth that business owners face every day,” states BizCover Co-founder ...

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Find your business motivation this Easter with these tips

... mojo and spark? As a small business owner, you're not alone when ... , we asked a mix of small business owners to share their insights and ... ... To help get through those rough patches when you're feeling a bit flat, we asked a mix of small business owners to share their insights and tips into what helps keep them motivated. From focusing on the bigger picture to ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

... New Zealand and especially to small businesses. Microsoft reported earlier this year ... ... business insurance plan will go a long way towards ensuring small and medium sized businesses in NZ are able to survive cyber attacks now and in the future. https://blogs.business.microsoft.com/en-nz/2017/02/27 ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, ... are on the lookout for businesses of any size with ... So why are hackers interested in small business? To start small business websites are often used as “watering ... and fines. Is cover pricey? Like most insurance, premiums vary by insurer, the type of cover ...

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Customer Spotlight: Three Sisters Brewery

We are all about small business here at BizCover. We love ... of giving back to the small business community is by highlighting and ... ... to witness exciting and unique ideas come to fruition in the form of a new business. Our way of giving back to the small business community is by highlighting and promoting some of the great work our customers are doing ...

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Diwali Customer Spotlight - Kavita's Kitchen NZ

The origin of Diwali stems from celebrations that would occur to mark the last harvest before winter. In Indian agricultural society, as the end of the financial year ... will cure sore fingers and hands and the grand chiller will hold more products.” The life of a small business owner can be incredibly stressful, but it's important to remember and reflect on why you started your own ...

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Provo Plastering Limited wins the 4th BizGiver Competition

... own GIB stopping and plastering business out of their home. The ... ... did not have the capacity to purchase it. We asked Helen and Jonathan what they love about being a small business owner. For them it was simple, they love the people they meet and work with, and are thankful they work ...

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Conquering Stress and a Heavy Workload

... your overall productivity as a small business owner. Here are some of the ... health impacts. As the owner of the business, you have more ... in a position of leadership Everyone experiences some stress in their daily lives, but as a small business owner, you're dealing with more responsibilities so could benefit from having a focused approach to managing ...

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5 Networking Tips to Help You Leverage Existing Contacts

... a critical skill for any small business owner or employee looking to advance ... Networking is a critical skill for any small business owner or employee looking to advance in a career. However, this term can apply to several types of activities. When people focus on developing a network of ...

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Christmas Hours

... best for you and your business in 2018. We'd also ... year. We know that many Small Business owners don't have the luxury ... ... Holiday and all the best for you and your business in 2018. We'd also like to thank you for your business and support this year. We know that many Small Business owners don't have the luxury of shutting down for ...

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Our Holiday Hours

... best for you and your business in 2019. We'd also ... year. We know that many Small Business owners don't have the luxury ... ... Holiday and all the best for you and your business in 2019. We'd also like to thank you for your business and support this year. We know that many Small Business owners don't have the luxury of shutting down for ...

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BizCover Customer Spotlight - Three Gems Natural Skincare

... Gems Natural Skincare is a small business based in sunny Nelson, handcrafting ... inspiration to start her skincare business stemmed from the desperation Three Gems Natural Skincare is a small business based in sunny Nelson, handcrafting natural skin and ... Louise if she had any sage advice to offer aspiring business owners. “Check that there is a demand for what you ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... explore how Cyber Liability insurance can protect your business from online threats ... ... small business operators, it is worth considering Cyber Liability insurance and how it can protect your business. What is Cyber Liability insurance? Cyber Liability Insurance protects your business ...

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Our Holiday Hours

... best for you and your business in 2021. We'd also ... year. We know that many Small Business owners don't have the luxury ... ... Holiday and all the best for you and your business in 2021. We'd also like to thank you for your business and support this year. We know that many Small Business owners don't have the luxury of shutting down for ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business against the financial risk of ... to property. Whilst operating your business you are ... you out of business. With the right Public Liability cover in place, the insurance company will provide the ... of dollars), and could be enough to put a small business out of business! This is general advice only.

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Insurance for Painters

... bear this cost out of your own pocket. These expenses can add up over time and dig into your savings. Business Insurance can cover the cost of your tools and portable equipment if it is lost or stolen, or in the event ...

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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 ... business size and turnover The individuals being covered - qualifications for the job they are performing The amount of insurance ... a graphic designer consulting to small-scale firms or a structural engineer consulting ...

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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 ... or using jargon. We want to make buying business insurance a stress-free process without the hassle. Jump online to experience insurance made easy today. *As with any insurance, cover will be subject to the terms ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be difficult to ... indemnity insurance is and why it might be important for your business ... . What ... time to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a ...

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The difference between public liability and professional indemnity insurance

... Professional Indemnity and Public Liability insurance as the two types of ... . Whilst both covers protect your business against legal action they ... Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free of financial risk. Phew! Invest ...

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BizCover expands its insurance offer and launches a new look

... and buy professional indemnity and business insurance online Sydney, Australia - December ... 2010. BizCover, the pioneer online insurance marketplace ... website enhances this offer by giving BizCover's growing customer base of small businesses and trades the option of buying business insurance online. “We have learned through our interaction with over 10,000 customers ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... business's finances and reputation. This is where investing in the right business insurances ... ... business's finances and reputation. This is where investing in the right business insurances can save your business ... defend your business. It can be a cost that is overlooked by many small businesses, who ...

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Insurance for IT Professionals

... for that 404 error! Fear not! Having insurance will protect your business and give you peace of mind should the ... following a minor traffic incident. The company's Professional Indemnity policy responded and covered the ...

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Insurance for Accountants & Tax Agents

... bookkeeping Taxation Auditing Business valuations Company secretarial Forensic accounting ... going about your business. Business Insurance When it comes to protecting your business assets, Business Insurance has a variety ...

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Insurance for Mortgage Brokers

... property damage should they arise. Business Insurance Business Insurance is designed to safeguard your ... and confidence in your company. Cyber liability helps you safeguard your business against data breaches, computer ...

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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 of ...

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Insurance for Recruitment Consultants

... of a breach of professional duty in respect of the conduct of the professional business in the Recruitment Industry. This class of insurance is written on a 'claims-made basis'. This means that the policy provides cover ...

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Insurance for Bookkeepers

... . We know you are always busy helping your clients, therefore we made it easy for you to arrange your business insurance - just a few clicks and one phone call, you have your policy documents emailed to your inbox. Did ...

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Insurance for Consultants

... earn over $60,000 a year. Source: https://www.business.govt.nz/getting-started/choosing-the-right-business-structure/becoming-a-sole-trader/ Insurance for Consultants Professional Indemnity Giving advice or providing ...

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Insurance for Beauty Salons

... 's also a likely requirement by your landlord if you lease your business premises. Business Insurance Whilst your customers are vital to your business, so are your contents, stock, equipment and your building if you own ...

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7 Ways to Grow Sales in a Café Business

For many caf owners, marketing is all about buying ... ... chocolate powder in milk, we bought a small countertop Bain Marie, and melted down couverture Lindt ... a massive retail chain or a multinational company, but how you present your business matters. Why? Because where people ...

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Public Liability Insurance

Public Liability Insurance For your Business As much as we like to hope otherwise, accidents do happen. Regardless of the industry you operate in, as a business owner you are liable for property damage and personal ...

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Employers Liability Insurance

Employers Liability Insurance For Your Business Whilst we all go to great lengths to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you ...

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

... worked hard to build your business, so it only makes sense ... and maintain a Professional Liability Insurance package. #1 Protect against claims ... the lengths you go to in doing so, it's important to hold Employers Liability insurance. It protects you and your business against settlements or damages, including defence costs, as a result of an employee suffering a ...

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Professional Indemnity Insurance

... if you are not found liable, the legal costs of defending yourself could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such ...

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Cyber Liability Insurance

... as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches which may occur after being hacked ...

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Statutory Liability Insurance

... 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 certain unintentional ...

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6 ways your business can go paperless

It's no secret that businesses are adopting more sustainable solutions ... to operate their business, especially when it comes to ... present is there ... the plunge and go paperless . From clouds to e-signatures, here’s 6 top tips that can help any business in their mission to cut the paper. Get your head in the cloud When it comes to cloud – based ...

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Insurance for Architects & Designers

... Business Insurance Your clients are your bricks and mortar, but where would your business be without the assets needed to help make their plans a reality? Not having the right cover in place could cost your company ... owners ...

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What is Public Liability Insurance?

... could put you out of business, and then there's the cost of settlements, whether agreed out of court or awarded by the court. With the right Public Liability cover, your insurance company will provide much needed funds ...

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Insurance for Tradesmen

... when it comes down to the nuts and bolts of getting your business insurance sorted out, you can sit back and relax while the BizCover team ... at a private residence needed to hire a small item of plant to complete the job. ...

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Insurance for Allied Health Professionals

... rely on you to look after them; you can rely on us to look after your business insurance. As an allied health professional, small mistakes can have big consequences. Get multiple quotes with a few clicks online or just a ...

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Insurance for Personal Trainers

Why do Personal Trainers need it? Don't sweat the small stuff when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the crunches when it comes to providing a ...

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Insurance for Hairdressers

... insist on you having public liability insurance. Business Insurance Your business assets are as critical as your ... need to be mobile. Building if you are the owner of the building where your salon is located, protecting ...

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Insurance for Immigration Advisers

... need it? Grow your business with peace of mind. Did you Know? To be on the MARA list you will require a minimum of $250,000 Professional Indemnity (as at July 2017). Insurance for Immigration Advisers Professional ...

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What is Professional Indemnity Insurance?

... who provides paid professional advice or services to any business or individual Contractors who work for the government or other organisations whereby insurance is mandatory as a condition of the contract An example ...

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Insurance for Travel Agents and Tour Operators

... Agents and Tour Operators need it? Sorting out your clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get quotes online in minutes from top NZ insurers ...

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Insurance for Engineers

... . Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some sort that need protection in the event of fire, theft or natural ...

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Insurance for Real Estate Agents

... open home. It is relatively cheap cover for the amount of protection afforded. Business Insurance Business Insurance provides cover for your business assets from perils such as theft, fire and natural disaster. It also ...

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Customer Spotlight - 7 glyphs

... with the diverse range of small businesses we serve. As a result ... celebrate our customers and their businesses. Today we're looking at ... ... small businesses we serve. As a result, we can't help but celebrate our customers and their businesses ... 2018 at 9:40pm PDT Igor's advice to aspiring business owners was simple yet effective: “Just do it. Don't ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... credit card information. With hackers constantly looking to exploit small businesses there's a number of steps you can take to ... and data. Therefore, a Cyber Liability insurance policy can act as your safety net ...

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Customer Spotlight: The Goat Farm

Here at BizCover we take great pride in shining a light on some of the customers we serve and being able to showcase the amazing work they do. Today we're looking at ... 's never been a better time. Client companies - even big ones - are more open than ever to working with small businesses. While legacy businesses steam along in their aircraft carriers, smaller ones are killing it in our ...

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Reviews related to good insurance for small business owners

  • 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

  • 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

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

    Peter Digby
    Manufacturing

  • Would prefer payment methods other than credit card. Being able to pay direct from my business bank account using Poli or other system would make life easier.

    John Cleveland
    Information Technology

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

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Covers Explained

Building & ContentsCovers the cost of repairing or reconstructing buildings your business owns and/or your contents or contents which you are legally responsible for against fire and other perils.
TheftCovers your for loss or damage to contents through theft or attempted theft at your premises.
General PropertyCovers for loss or damage to portable & valuable property like tools, mobiles or laptops anywhere within NZ.
GlassCovers the costs to replace internal or external glass that is damaged or broken, such as windows, mirrors or porcelain.
Electronic EquipmentCovers your insured computers or other insured electronic equipment against loss, damage or breakdown caused by an event defined in your policy.
MoneyCovers money belonging to your business that is lost, stolen, or damaged whilst on your premises, in transit to or from your premises, or in your personal custody.
Goods in TransitCovers your goods (or goods that your are responsible for) whilst in transit in a vehicle owned or operated by you, against loss, theft or damage due to an accident or fire.
Employee DishonestyCovers your business against losses incurred through fraudulent or dishonest acts by your employees.
Business InterruptionCovers your for the loss of income & some of the increased costs of running your business as a result of interruption caused by events covered under your policy.
Natural DisasterCovers for loss or damage to insured property caused by earthquake, hyperthermal activity, geothermal activity, subterranean fire, volcanic eruption, tsunami or the resulting fire caused by any of these events.