Insurance For Private Counsellors NZ
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Insurance for Allied Health Professionals
... Beautician Bowen therapy Chiropractors Counsellor Dietician (Nutritionist) Homeopaths ... find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...
read moreBizCover and Massage New Zealand
... over the phone Instant cover – no paperwork You take care of your clients; we'll take care of your insurance Massage therapists are in a unique position of trust - the service you provide comes with an expectation of a ...
read moreBizCover and NSNZ
... did go out of his way to explain exactly what it meant – this in turn made the process much more pleasurable. Insurance can be very tricky to navigate, but was very easy. Thanks ! Matthew D. Very helpful Lucy W. Rudy was ...
read moreBizCover and Reflexology NZ
... the paperwork Annual or Monthly payment options You take care of your clients; we'll take care of your insurance Reflexologists are in a unique position of trust - the service you provide comes with an expectation of a ...
read moreCounsellor Martin Sloman Wins BizGiver Competition!
... Martin has Professional Indemnity and Public Liability insurance combined with BizCover, as he believes it ... story. Why did you start your business? Prior to being a counsellor, I was an IT Manager in the UK – a career that ...
read moreUnderstanding Insurance, Part One: Public Liability Insurance
... cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is accidents ...
read moreUnderstanding Insurance, Part Two: Professional Indemnity Insurance
... expert advice and services you have a duty of care to your clients and this is where the Professional Indemnity insurance comes into play. If a claim were to be made against you , having adequate cover in place could be ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... after being hacked or from the theft or loss of client information. Why do I need to consider Cyber Liability insurance ? A common misconception is that hackers only go after the big fish but when it comes to attacks ...
read moreCyber Liability Insurance Explained
... 't believe in making things difficult, so there's no paperwork required or messy forms to fill out. Experience insurance made easy today and see how we can help protect your business . * The information provided on this ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... that is involved in a court case which can proceed for months if not years . Having Professional Indemnity insurance means you can focus on getting back to business doing what you do best without worry and only limited ...
read moreWhat is Business Insurance
... 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 ...
read moreDo I need Business Insurance
... - this is a pretty obvious one, and a big kind of risk you need to think about when not having an insurance policy in place. The scale of the financial impact can range from a large Public Liability claim for an injury ...
read moreWhat is Professional Indemnity Insurance?
... in front of the judge, make sure it's not costing you an arm and a leg! What does Professional Indemnity insurance cover?* There's a lot that could go wrong when you're in the business of providing advice or professional ...
read moreBizCover adds Ando Insurance to its NZ business insurance platform
... and Business Interruption (MDBI) cover on the BizCover platform. “Ando is a fantastic addition to our SME insurance platform,” says Jane Mason, BizCover's Head of Product, Channels & Risk. “Their initial offering adds a ...
read moreWhat Is Inside A Business Insurance Pack?
... in making the process to get your cover sorted easy and simple, with no-dramas! Visit bizcover.co.nz and get insurance for your small business without the stress so you can get on with your day. Get on the phone and give ...
read moreInsurance by Industry
... Carpenters Cleaners Consultants Contractors Counsellors Designers Dog Walkers Education ... find out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...
read moreWhat is Public Liability Insurance?
... bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the ... : A landscape gardener who was working at a private residence needed to use a garden power tool to ...
read moreWhat Photographers Need to Know About Business Insurance
... mind, 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 professionally , ...
read moreMassage Therapy Insurance: here's why you need it!
... and regardless of 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 ...
read moreRetailer Insurance
... 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 ...
read moreWhat is Tool Insurance and why do Tradies need it?
... theft, fire and other perils listed in the wording, anywhere in New Zealand. Why do tradies need to consider Tool insurance? If your tools were lost or stolen, your work comes to a quick halt, meaning you can't work on ...
read moreDo Dog Walkers Need Insurance?
... can help foot the bill for you. Now running your business is truly a walk in the park! Does looking for insurance make you feel like you're chasing your own tail? Let BizCover help! We make it quick and easy to find ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... making the process to get your cover sorted easy and simple, with no-dramas! Visit bizcover.co.nz and get insurance for your contractor business without the stress so you can get on with your day. If you'd prefer to pick ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... without having the right tools in place to help you complete the task at hand. How much does Portable Equipment insurance cost designers? How long is a piece of sewing thread? There's no one size fits all pricing when it ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... different in what they protect your businesses from. Let's take a look at these two important types of business insurance and look at what they provide cover for, what they exclude, and a few things to keep in mind as ...
read moreWhat does Public Liability Insurance Cover?
... illness or death caused by your negligence that is not covered by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some tradies they may have to have a certain level of Public ...
read moreWhat does Professional Indemnity Insurance Cover?
... even millions of dollars. A hefty bill like that is very difficult to cover without the protection of the right insurance. What actions could result in a claim? All it takes for a claim to arise is for one unhappy client ...
read moreInsurance For Cafes and Restaurants
... a moment to treat yourself to that hard-earned coffee break. Insurance options for retailers https://www.bizcover.co.nz/insurance-options-for-retailers-bizcover/ Running a retail business is fast paced with plenty going ...
read moreWhat does business insurance cover
... to our friendly team to get a quote. Get more information Find out more about all thing business and insurance with our blog. These are some articles that may help provide some tips and tricks when it comes to running ...
read moreInsurance for Mortgage Brokers
... it not be protected. Did you Know? An approved Mortgage Broker must have at least $1 million of cover. Insurance for Mortgage Brokers As a Mortgage Broker, you face a number of unique risks in the course of your day-to ...
read moreInsurance for Real Estate Agents
... open houses and inspections! Understanding insurance-part 2: Professional Indemnity insurance https://www.bizcover.co.nz/understanding-insurance-part-two-professional-indemnity-insurance/ Ever wanted to understand the ...
read moreWhat does Public Liability Insurance Cover?
... of accidents could occur, and what could be the potential cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here to assist you through the process and get you back to ...
read moreBusiness Insurance FAQs
... needed to make a potential claim, a drama no business owner wants to be faced with! It's no secret that insurance can sometimes be a bit confusing and like a language of its own right? We don't believe in using jargon ...
read moreInsurance for Beauty Salons
... not required to do business, if you are at risk, it might be good to have protection in place. Insurance for your stock, portable equipment for mobile salons, and the other things you need to run your business smoothly ...
read moreThings to consider when purchasing business insurance
... boring bits! Let's start with the basic areas to look at when figuring out the type of business insurance you need to consider to protect your business. Know your risks Have a think about the kind of business activities ...
read moreTradie Guide to Public Liability Insurance
... may be a mandatory requirement in order to obtain your trade licence. You may need to hold Public Liability insurance to access and perform trade work on certain building sites. If someone is injured as a result of your ...
read moreAn Accountants Guide to Understanding Cyber Liability Insurance
... for your next policy with us, while you get back to helping your clients. Visit bizcover.co.nz and get insurance for contractor business without the hassles so you can get on with your day. If you'd prefer to pick up ...
read moreAn Accountants Guide to Professional Indemnity Insurance
... add up to if any action was taken against you? Factors that may impact the cost of a Professional Indemnity insurance policy It's a bit difficult to provide an exact cost as to what your Professional Indemnity policy may ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... result of a product defect can cost your business a lot of money, and without the appropriate Product Liability insurance you could find yourself in a spot of bother. If you operate as a sole trader, you will potentially ...
read moreWhy Bookkeepers need Professional Indemnity Insurance
... ? As a bookkeeper you can benefit from reducing the risks to yourself and your business via bookkeeper Professional Indemnity insurance . Try as you might, but errors can and do happen - even for the most dedicated and ...
read moreA Graphic Designers Guide To Professional Indemnity Insurance
... in making the process to get your cover sorted easy and simple, with no-dramas! Visit bizcover.co.nz and get insurance for your engineering business without the stress so you can get on with your day. If you'd prefer to ...
read moreBusiness 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 ...
read more4 Things To Check Before Buying Your Business Insurance
... re a well established set up that knows a thing or two, wherever you are with your journey, business insurance is something you've probably come across. Our guide takes the guess work and some of the confusion that comes ...
read moreUnderstanding Insurance, Part 3: Business Insurance
... an insured event by paying ongoing expenses (such as wages or rent). Find out more Getting your business insurance sorted has never been easier. At BizCover, we keep the process paperwork and jargon-free, saving you time ...
read morePublic Liability Insurance Explained
... bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the ... : A landscape gardener who was working at a private residence needed to use a garden power tool to ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
... the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What are ...
read moreDo I need Public Liability Insurance?
... help provide much needed protection against unforeseen costs, such as compensation and legal fees. Without having Public Liability insurance , your business is at risk of having to pay in full damages in the event it is ...
read moreUnderstanding Employers Liability Insurance
... and to be in business for the long run. Things like Public Liability, Professional Indemnity and other Business Insurance options*, help protect different areas of your business. There isn't a one size fits all when it ...
read more5 Things for Accountants to Consider When Applying for Professional Indemnity Insurance
... many different risks your business may be exposed to, and there are a variety of different business insurance coverages to help provide you and your business peace of mind and protection. At BizCover we offer accountants ...
read moreStatutory Liability Insurance
... you need to keep in mind when getting your policies sorted. https://www.bizcover.co.nz/complete-guide-to-business-insurance/ 10 Ways to help protect your small business Let's face it, as a small business owner you are ...
read moreDo I need Professional Indemnity Insurance Insurance?
... if you are at fault or not, to potentially destroy your business for good. That's where Professional Indemnity insurance comes in to play. If a client makes a claim against your business for an omission or mistake which ...
read moreWhat you need to know about Business Interruption Insurance
... and mind and protection this coverage can provide to help get your business back up and going. This type of insurance can also be surprisingly simple to arrange and doesn't need to cost a fortune. As with every form of ...
read moreWhat does Professional Indemnity Insurance cover?
... they require you to have? Do any of your work contracts specify that you must hold a certain level of PI insurance? What is the value of the jobs that you perform? What are the potential risks (i.e. what could go wrong ...
read moreA Management Consultants Guide to Professional Indemnity Insurance
... the market, but one of the key types of cover you may need to look at is Professional Indemnity insurance. Being a management consultant comes with some degree as risk when providing your professional pearls of wisdom to ...
read moreWhat do you need to know about Professional indemnity insurance?
... claim against you. For example, you may be a private consultant you made an error in numbers causing your ... that is never a good thing. With professional indemnity insurance you do not have this problem. Cover may be ...
read morePublic Liability Insurance
... mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do ... A landscape gardener who was working at a private residence needed to use a garden power tool to ...
read moreWhat Insurance do Beauty Salons Need?
... , in transit or temporarily stored in a private residence. Portable Equipment – Covers portable computer ... is located can also impact how much you'll pay for insurance. If you're in a neighbourhood with a high crime rate ...
read moreTear and Share: Our customers get even with their old insurance policies
... the way he'd say RIP to his old policy. Thankfully with BizCover, there's no nasty paper policies. Just hassle-free insurance , online, with all your documents emailed to you instantly. Switch & save on your business ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... 't reviewed your current 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 ...
read moreIt's Time for an Insurance Health Check!
... 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 cover? For example, if your business ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... 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 days for the brokers to get ...
read moreWhy businesses in New Zealand need to consider Statutory Liability insurance
... . In far too many cases where companies have neglected to include adequate, or indeed any Statutory Liability insurance as part of their health and safety strategy, the financial blow from just a single breach of health ...
read moreInsurance options to protect your cleaning business
... you make your clients happy with squeaky – clean results. It's also important that your business has the right insurances in place for when things get messy. You've worked long and hard to build your business and that's ...
read moreHow the cost of Professional Indemnity insurance is calculated
... than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... from your landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurance to work for them. How would you keep your business going if the worst was to happen? If your ...
read moreThe difference between public liability and professional indemnity insurance
... Making mistakes or oversights Any omissions in the provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with other people while doing business in any way or form then ...
read moreThings you didn't know about small business insurance
... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...
read moreCyber Insurance - Is it worth it?
... employee with a grudge, you may not be coveredby your Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. Make sure you have the right cover in place We live ...
read moreBizCover expands its insurance offer and launches a new look
... the growing online shoppers' community to compare, select and buy the right professional indemnity and business insurance in a more accurate, fast and user friendly manner. “We understand how important having choice and ...
read moreCyber Liability Insurance
... cybercrime event were to occur. Get more information If you would like to learn more about all things business insurance or perhaps brush up on some tips to help your small business save time and money, head to our blog ...
read moreWhy You Should Review Your Business Insurance
... 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 you ...
read moreWhat to think about when comparing insurance quotes for your small businesses
... could end up costing you in the long term. Check where you have cover and where you don’t Every insurance policy will have things that are included and things that aren’t, with certain events being covered and some being ...
read moreWhat every New Zealand tradie needs to know about insurance
... for themselves as a tradie, you would already have an idea of just how important it is to have the right business insurance s in place for when things don't go exactly to plan. Sometimes it can be easy to just buy the ...
read moreDo Hypnotherapists need Business Insurance?
... hypnotherapists work from a home office and may not worry about the types of risks that Public Liability insurance covers. However, a patient can be injured or have their personal belongings damaged in a home office just ...
read moreIs it time to give your retail business an insurance health check?
... worse if a claim were made against you. Even if you do have cover in place, doing a review of your insurance could help you save on your premium. *This information is a general guide only and does not take into account ...
read moreReviews related to Insurance For Private Counsellors NZ
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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 -
Quick and easy renewal. Thanks
Ray Gesta
Allied Health -
Just so you know, this is the 2nd review I've been asked to do.
BizCover staff were accommodating, I didn't have to wait long for service, they were knowledgeable and polite, listened well and gave excellent information and advice to me.
Kate Carlisle
Allied Health -
Easy renewal process and very quick.
Odette Wood
Allied Health -
made it very easy to renew excellent
Maryanne Hooper
Allied Health -
Quick and easy to use both to sign up and renewal
Rod Corban
Allied Health -
Great service, easy to follow and easy to purchase
Briana Nathan
Allied Health -
All questions answered
Options of various policies explained thoroughly
Rangi Monga
Allied Health -
Thanks so much for the clear information and for making it so easy amd hassle-free!
Alanna Clerkin
Allied Health -
Very helpful and friendly service
David Slater
Allied Health -
Fast friendly and very good service thank you
Gerald Eaton
Allied Health -
Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.
Ness Macdonald
Allied Health -
Super easy in every way. All done online.
Sonya Horne
Allied Health -
Informative and timely.
Nicola Dunham
Allied Health -
Helpful and friendly
Doreen O'Sullivan
Allied Health -
Excellent and efficient
Angela Paul
Allied Health -
Highly recommended way of doing business insurance with out hassles and cost effective
Peter Digby
Manufacturing -
IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE
Janette Wallbutton
Real Estate -
Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu
Layla Dowthwaite
Consultancy Occupations -
I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!
Alison McDonald
Consultancy Occupations -
Nice and fast, but not immediately obvious where to download insurance certificate.
Charles Brooks
Consultancy Occupations -
Extremely easy, user-friendly online purchase process, really good.
But like all insurance the value isn?t known until you need to make a claim.
I hope if that?s ever needed, that process and customer service is equally as good.
Angela Clarke
Information Technology -
They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn
Monique Princen
Information Technology -
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
Did You Know?
BizCover is the preferred insurance partner of Podiatry NZ, Massage NZ, Nutrition Society and Reflexology NZ. If you’re a member you’ll save on your Professional Indemnity & Public Liability cover with our exclusive member rates.
Insurance for Allied Health Professionals
Professional Indemnity
Professional Indemnity (PI) insurance provides essential financial protection for Allied Health Professionals for claims made against them in carrying out their professional services or treatments.
Allied Health Professionals generally require professional indemnity to comply with professional association requirements, professional standards legislation or to meet the requirements of many clients.
What is covered?
- Damages and claimant costs awarded against the insured
- Legal and defence costs
- Claims investigation costs
- Inquiry attendance costs
- Public relations costs
What is NOT covered?
- Intentional damage
- Known claims and circumstances
- Fraud and dishonesty
- Bodily injury / property damage
Allied Health covers a broad range of modalities, including:
- Acupuncture
- Beautician
- Bowen therapy
- Chiropractors
- Counsellor
- Dietician (Nutritionist)
- Homeopaths
- Homoeopathy
- Hypnotherapy
- Kinesiology
- Life Coach
- Massage Therapists
- Medicine – Chinese
- Medicine – Herbal
- Meditation
- Natural Therapists
- Neurohealth Chiropractor
- Occupational Therapists
- Optometrists
- Osteopaths
- Personal Trainer
- Physiotherapy
- Pilates
- Podiatry
- Psychological
- Psychotherapy
- Reflexology
- Speech Therapy
- Traditional Therapists
- Weight Loss Centres
- Yoga Instructors
Public Liability and Product Liability
Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of personal injury or damage to property of others during the course of normal business operations or as a result of a product defect.
If your business/practice requires your customers or members of the public to visit your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection.
What is covered?
- Compensation for accidental damage to third party property
- Compensation for personal injury or death to third parties where the ACC does not provide cover
- Legal and defence costs
What is typically NOT covered?
- Injury to your employees
- Damage to your own property
- Compensation for personal injury whereby cover is provided by the ACC
- Known claims and circumstances
Protect your business today.
Business Insurance*
It’s important to take the time to consider protecting the assets that help to keep your business running.
There are a variety of different types of business insurance options to help keep your allied health business protected, these are a few to consider:
Contents: Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy
Building: Cover for loss and damage to buildings you own, as a result of an insured event (such as fire, storm, wind).
Portable Equipment: Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.
Claim example
A yoga instructor hired premises in a busy centre to run a studio. From the time of occupation, she complained to the landlord about the air conditioning in the premises. Despite numerous complaints and heated discussions, nothing was ever rectified by the landlord. The yoga instructor then left the premises prematurely and she left a note on the door explaining that she had moved premises and what she thought of the landlord. She followed this up with an interview in a local newspaper whilst promoting her new location. The landlord sued the yoga instructor for defamation. The professional indemnity policy responded and paid for significant legal costs (equivalent to one years revenue) before the matter went away.
FAQ’s
As an allied health professional do I need both Professional Indemnity and Public Liability insurance?
Professional Indemnity insurance and Public Liability insurance both cover very different risks that may impact your allied health business.
Working on site or having clients visit you at your place of business makes Public Liability insurance an important form of cover to protect you against injuries or damage to third parties when not covered by the ACC.
Professional Indemnity insurance protects you against claims that may arise from a client who experiences a financial loss as a result of your allied health advice or services. For example, these could be claims for things like advising an inappropriate form of treatment.
When may I need Public Liability insurance?
As an allied health professional, Public Liability insurance may be required in a few instances. These are some typical ones when it may be needed:
- If you are working on a contract, you may be required to have a minimum amount of cover in place
- If you are leasing a property as your business premises it may be part of your rental agreement
- If you are working from home, you may need to consider taking out cover to protect yourself
- It may be a requirement to become a registered provider for certain health funds
- To become a member of certain professional membership bodies, you may need to have Public Liability insurance in place
Get more information
Find out more about all things business insurance and running your own small business with our blog articles
5 Long term money saving tips for your small business
https://www.bizcover.co.nz/5-long-term-money-saving-tips-for-your-small-business/
Saving a dollar here and there can quickly add up, and when you operate your own small business, every bit helps! Find out more about you could help save your business money for the long haul
* 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.
The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.
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.