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Insurance for IT Professionals

... ISP/Web/Internet Service IT Consultants IT Recruitment & Placement Services ... go wrong, your downtime would be next to none. Cyber Insurance Working within the IT industry, you would be more than mindful of the types ...

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How to protect your small business from cybercrime

... small business immune especially when it comes to obtaining financial data ... ... click on a link which then enables the scammers to infect your computer with a virus and malware. This is one of the popular ... manage your own IT systems or do you outsource it to a professional IT consultant or company? ...

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How much does Public Liability Insurance cost?

... $40 and $59 per month for their Public Liability insurance, and only six percent pay $100 or more. Below ... lower risk professional occupations, such as IT consultants, engineers and other consultancy occupations, coming ...

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What do you need to know about Professional indemnity insurance?

... explain what professional indemnity insurance is and why it might be important ... for your business. What is Professional Indemnity Insurance ... insurance is and why it might be important for your business. What is Professional Indemnity Insurance? Professional Indemnity Insurance ... involved. Businesses or consultants whose insurance coverage is not ...

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Cyber Insurance - Is it worth it?

... attract cyber criminals. Yet, when it comes to cyber theft, size ... ... a device. Like the Australian case of the sports drug testing consultant who left his laptop at a sports ground. He was able ... non public) information, you need it. Isn't my other insurance cover enough? Take time to ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... 'one-size-fits-all' when it comes to insuring a business ... ... breach of professional duty, so it's important you know the difference. Professional Indemnity Insurance is applicable to many professions, such as chiropractors, consultants, engineers, architects, real estate agents ...

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The difference between public liability and professional indemnity insurance

It's important to understand the difference ... Professional Indemnity and Public Liability insurance as the two types of ... . Public Liability Insurance ... I really need Public Liability Insurance? If you or your employees interact with other people while doing business in any way or form then you need it. For example: Consultants/Contractors/ Tradespeople who work ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... you may be, all it takes is one dissatisfied client ... dealing with a lawsuit or insurance claim. Fortunately, this is ... Professional Indemnity ... require Professional Indemnity insurance include: consultants, accountants, real ... potential risks your business is exposed to? How much would it cost to rectify any mistakes? Find out more At BizCover ...

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Insurance for Consultants

Why do Consultants need it? You offer expert advice to your clients, we offer expert insurance to cover it. Compare competitive quotes for your consultancy business, online or over the phone, select your preferred policy ...

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

We recently launched a campaign that showed how small business owners really feel about their expensive, archaic policies and encouraged them to get them out of their ... smoothie - unsurprisingly, it didn't taste great. Finally, we found Kate, the business consultant, known for ... insurance, online, with all your documents emailed to you instantly. Switch & save on your business insurance ...

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Insurance for Recruitment Consultants

Why do Recruitment Consultants need it? Recruiting the right employees for your clients is your expertise and getting you the right insurance is ours. With just a few clicks or a single phone call, you'll get multiple ...

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What is Professional Indemnity Insurance?

... or other organisations whereby insurance is mandatory as a condition of the contract An example of some professions that require PI cover are: health practitioners, IT contractors, management consultants, accountants and ...

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What is Public Liability Insurance?

... Insurance? The short answer. Yes. The long answer. Absolutely yes. If you or your employees interact with other people while doing business in any way or form then you need it. For example: Consultants/Contractors ...

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Customer Spotlight: TwoBlackLabs

... protection services, Founder and Principal Consultant Caroline Carver established [] ... protection services, Founder and Principal Consultant Caroline Carver established TwoBlackLabs in 2017 ... can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with certain ...

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Tips for making a Stress-Free Claim for your business

... event, we understand how important it is to get your business ... . Making an insurance claim can be stressful - but it doesn't ... ... another language, but it doesn't need to be complicated. If you are unsure what your policy covers you for, jump on the phone to your insurance service provider. Having a chat to a real-life consultant will help to ...

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4 Areas You May Not Have Thought Business Insurance Covers

... to build your business. So it's vital to protect your business ... ... and the boardroom table), technology (computers, laptops, projectors and photocopiers), ... include Business Interruption as part of your Business Insurance package. It's important to remember that your business will ...

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Insurance for Accountants & Tax Agents

... by the ACC) resulting from you going about your business. Business Insurance When it comes to protecting your business assets, Business Insurance has a variety of covers available to safeguard the things that matter ...

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What Photographers Need to Know About Business Insurance

... a photographer and how business insurance can protect your business. Why ... do photographers need to consider insurance? Working with clients, ... perform your creative profession as a photographer and without them it's hard to take on any jobs. Even if you operate ... electronic equipment insurance c over s portable computer equipment and cell ...

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Understanding Insurance, Part 3: Business Insurance

... of our guide to understanding insurance, we take a look at ... Business Insurance, the different kinds of cover available and how it can ... Portable electronic equipment insurance covers portable computer equipment and cell ... a specified insured event (such as property damage or fire).  It is also designed to assist your business to recover from an ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

... year that cybercrime over NZ computers and networks has more than ... ... reported earlier this year that cybercrime over NZ computers and networks has more than doubled over ... been released yet. While Cyber Liability insurance won't prevent an attack, it will help businesses to manage the ...

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Why having an office inventory list is essential and how to do it right.

... comes to claim on your insurance. When you're filling out ... probably remember the big things, computers, machinery and the like, but ... ... insurance. When you're filling out your claim form, you'll probably remember the big things, computers, ... the office to get the original list or it is destroyed). The best way to store it online is on the cloud such as ...

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Business Insurance

... matter what industry you're in, Small Business Insurance can be tailored to suit your business needs and ... or porcelain. Electronic Equipment Covers your insured computers or other insured electronic equipment against loss, ...

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Cyber Liability Insurance

... Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense ... Claims Examples Website hijacked and defaced Computers infected with viruses/malware Data held ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... Part 4 of our Understanding Insurance series we explore how Cyber ... Liability insurance can protect your business from ... ... on small business operators, it is worth considering Cyber Liability insurance and how it can protect your business. ... Website hijacked and defaced Computers infected with viruses/malware Data ...

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Employers Liability Insurance

... a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering ...

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Professional Indemnity Insurance

... potential claims being made against you is very real. It costs time and money to defend yourself against such claims ... could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you ...

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Public Liability Insurance

... costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives ... covered by the Accident Compensation Commission (ACC). It also covers any legal defence costs you incur ...

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Statutory Liability Insurance

... for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, ... breaches of New Zealand Acts of Parliament. It covers the costs of representation in investigations for ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... your policy stays relevant and on the move It's wise 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 ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business ... ... council will require a minimum $2m cover. Every business should consider Public Liability Insurance - even home-based businesses. It covers you and the actions of your employees for potential liabilities to third ...

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BizCover expands its insurance offer and launches a new look

... buy professional indemnity and business insurance online Sydney, Australia - December ... , 2010. BizCover, the pioneer online insurance marketplace ... offer”, adds Mr Gottlieb. Although BizCover is constantly evolving and enhancing its services, its motto of providing quick and easy online insurance is still a very fundamental part of the business. This means ...

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It's Time for an Insurance Health Check!

... the new financial year ahead. It's also a great time for ... ... and risk management strategies still meet the needs of the business. While you're doing this it's a great time to review your insurances to ensure your cover also still meets the needs of your business. Here are a few ...

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

... your customers with Public Liability insurance is one of the most ... important aspects. It offers protection should a customer ... ... 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 days for ...

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

... to build your business, so it only makes sense to protect ... it. Below are the top 5 ... and maintain a Professional Liability Insurance ... working environment 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 ...

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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 understand what it does protect you against, and ... (that's ... & Exclusions, Limits & Sub-Limits Having a good understanding of your insurance boils down to knowing what's in it, and what's not. For insurers, it's in their best interest for clients to know what they're purchasing ...

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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 ... end up facing multiple claims at once. Highly unlikely, but it could happen! If you want to get an accurate idea of how much a Professional Indemnity Insurance policy might cost you, the best way is to compare ...

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Insurance Options for Retailers

... wrong. Having the appropriate retailers insurance in place to protect your ... ... you are going to want to protect your bricks and mortar with Building insurance. Available through a BizPack, Building insurance covers your building if it was damaged as a result of a fire, storm, malicious activity or ...

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Insurance options to protect your cleaning business

... business, you know how important it is to have an eye ... results. It's also important that your business has the right insurances in ... ... No two cleaning businesses are the same, and there's no universal blanket cover option when it comes to Public Liability insurance. While some businesses may select the amount of cover based on the size of their ...

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Understanding Insurance, Part One: Public Liability Insurance

... running your own business. Whether its balancing the books, creating ... list goes on. But when it comes to protecting your business ... , it ... with customers, the list goes on. But w hen it comes to protecting your business, it ‘ s crucial to understand the importance of business insurance and the different kinds of products that are available ...

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Insurance for Mortgage Brokers

... leaving the business in a difficult position should it not be protected. Did you Know? An ... computer hacking, and other forms of cybercrime covered under your policy. Statutory Liability Statutory liability insurance ...

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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 Allied Health Professionals

... it? Your clients rely on you to look after them; you can rely on us to look after your business insurance ... worries. Did you Know? BizCover is the preferred insurance partner of Podiatry NZ, Massage NZ, Nutrition Society ...

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Insurance for Immigration Advisers

... 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 ...

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Insurance for Travel Agents and Tour Operators

Why do Travel 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 ...

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How Plumbers Can Protect their Business with Public Liability Insurance*

As a plumber you are faced with different challenges every day, one minute you're fixing a burst pipe, next youre unplugging a drain, no two days are ever the same! ... the different levels of cover? Each business is different and will require its own level of Public Liability insurance to suit its specific needs. BizCover offers four different levels of cover rang ing ...

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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 ...

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Insurance for Painters

... own pocket. Did you know? If you re subcontracting to another painter who has his or her own insurance, it is likely you are not covered by their policy. Public liability policies usually cover only the insured and their ...

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Insurance for Engineers

Why do Engineers need it? Insurance for engineers is all about safeguarding you against professional risk. There is a wide range of circumstances when engineers may face legal liability challenges from their clients. As ...

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Insurance for Architects & Designers

... , inquiry attendance costs as well as public relations costs. Professional Indemnity insurance may not be mandatory for Architects and Designers. However it may be a requirement to meet the conditions of many clients as ...

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Insurance for Personal Trainers

... cover for accidental injury or damage to third party people and property. In addition, it's likely a requirement to provide your own insurance if you are contracted to a gym or fitness studio, or for obtaining council ...

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Insurance for Tradesmen

... Public Liability Don't get stuck between a wall and hard place by not having Public Liability insurance. It's a crucial form of cover to protect you and your business against claims arising from third party property ...

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Insurance for Beauty Salons

... ? To be a member of The New Zealand Association of Registered Beauty Professionals, it is compulsory to hold Professional Indemnity insurance. Insurance for Beauty Salons Professional Indemnity The joys of being a beauty ...

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Insurance for Hairdressers

... equipment caused by fire, storm, theft and other perils. It can also cover portable equipment if you need to be ... to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of ...

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Insurance for Real Estate Agents

... or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business insurances. It covers your liability to third parties for any property damage and or ...

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A Guide to Going Green This World Environment Day

... environmental issues across the globe. It's a great opportunity to reflect ... ... off electrical devices when not needed Set computer screens to sleep mode when not being ... efforts. Start by getting in touch with an environmental consultant to assess your business and introduce a plan on how ...

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The Art of Small Business Branding in the Digital Age

... owners who want to leverage its power need to familiarise themselves ... ... efforts as anything else. When Apple had little competition in the high-end telephone and laptop computer markets, it was enough that they could tout the luxuriousness and thoughtful design of their hardware. In recent ...

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6 ways your business can go paperless

It's no secret that businesses are ... operate their business, especially when it comes to using the wonders ... ... cut the paper. Get your head in the cloud When it comes to cloud – based technologies t here's an ... replacing the need to save them on your computer hard-drive. Cloud – based applications make ...

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Help Protect your small business' reputation

... small business, your brand and its reputation are priceless. No doubt ... your customers and clients, but it can take just one small ... . As Warren ... . In fact, Microsoft reported that cybercrime over NZ computers and networks has more than doubled over the last ... , another great benefit of Cyber Liability insurance is that it includes cover for the reasonable costs and ...

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Take Back Your Time With These Apps

Time. It's something we could all do ... ... voice chat with each other via mobiles, tablets, computers and smart watches so long as they are ... and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... professional indemnity insurance, has announced today the ... marketplace in Australia and leading provider of online professional indemnity insurance, has announced today the launch of its New Zealand business and online platform: www.BizCover.co.nz . Following on from ...

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Introducing our newest cover option: Personal Perishables Cover

... new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for ... ... my turkey sandwich,” ponders Gellar. This new type of cover will revolutionise the way insurance covers business individuals. In the past it has been only for larger claims and never at a micro level. This means that ...

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Professional Indemnity Claims: when should I notify my insurer?

... clients, your Professional Indemnity (PI) insurance is no doubt one of ... 't quite go to plan it can provide much needed financial ... ... try to make an offer or settlement without your insurers consent, or disclose how much PI insurance you have. It might result in them trying to claim more compensation than they intended Most importantly keep in mind ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... ... Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... outcome of the sale of property the agent must communicate it as soon as the information arises or face possible liability ...

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... ... when someone in your team isn't getting wins but it's not through lack of effort or skill, you should be ... t always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the ...

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Key things to look out for when Growing Your Small Business

... ditch the baby steps, put it all on the line, and ... management, however, and a tailored insurance [] ... insuring against expensive legal claim events a priority. From there, it's in your best interest to do a full risk audit, and decide what other special insurances your business needs. The little things might be able to ...

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10 Amazing Facts About Small Businesses in New Zealand

... Doing Business Report this year, it has proven to be an ... in New Zealand. How easy it is for a Kiwi to ... ... about small businesses in New Zealand. How easy it is for a Kiwi to start a small business ... small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes ...

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Preparing your store for the holiday season ahead

... important time for retail businesses. It can provide a much needed ... , but on the flip side it can also mean an increase ... ... systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against ... to wind your business down and take a much need break, it's essential to have a plan in place to protect your business ...

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Customer Spotlight: Mosh

... of customers we serve. Whether it's your local butcher shop, your ... , we can look after their insurance needs. Today we're looking ... ... social media agency, we can look after their insurance needs. Today we're looking at one of ... since 2009: 'Social Media is easy until you do it properly' and it's so true. It's a beast, and we've built a team to take ...

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Reviews related to insurance it consultant

  • 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

  • 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

  • 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

  • All good and professional apart form the call back time. I was rushed into agreeing that I had read and understood things that I had not even seen. It would have been better to explain that the call was going to take over 10 minutes and there there were a

    Chris Boyce
    Information Technology

  • The website was v easy to use. I could answer all the questions. It was a simple quick process, I was impressed. Thanks First Advice's quoting system does my head in, you have to be clued to the instructions, this was a breath of fresh air.

    Virginia McCabe
    Information Technology

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

  • 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

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

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

    Peter Digby

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • I 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

  • 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


    Janette Wallbutton
    Real Estate

  • It was easy and fast to attain.

    Jason Te Kare
    Consultancy Occupations

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • It was a very sttaightforward process

    Knut Stoyl
    Consultancy Occupations

  • made it very easy to renew excellent

    Maryanne Hooper
    Allied Health

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

    Jane Gresham
    Consultancy Occupations

  • It was grate and on timings,fast,good customer services.

    David Tabar
    Trades & Services

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Awesome experience. Talking to a real person that had a pleasant persona. Was just so easy and I think it was Aaron?? was great to deal with. Gave us some discount as we are recognised as an existing client which is always a good feel thing and also that

    Pete Halligan
    Trades & Services

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Did you Know?

For some IT professional claims, there can be a grey area as to whether the claim falls under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the same insurer. That way there will be no dispute between insurers as to which cover should respond to the claim.

Insurance for IT Professionals

Professional Indemnity Insurance

Professional Indemnity (PI) insurance provides essential financial protection for IT Professionals against potential losses arising out of their professional service or advice. This can include but is not limited to: acts, errors or omissions made by you or your employees; loss of documents or data; and intellectual property disputes among others.

IT professionals often require a set level of PI cover to comply with professional association requirements; professional standards legislation, or to meet the requirements of various clients. More and more companies that hire independent IT contractors insist their contractors hold PI insurance before considering them for a contract.

Professional Indemnity insurance for IT professionals covers a broad range of modalities, including:

  • Data Processing/Warehousing Services
  • Education & Training
  • Facilities Management or Outsourcing
  • Hardware Installation, Maintenance and Repair
  • Hardware Sales
  • ISP/Web/Internet Service
  • IT Consultants
  • IT Recruitment & Placement Services
  • Project Management
  • Software Development
  • Software Installation
  • Software Maintenance
  • Software Sales - Customised/Own Developed
  • Software Sales - Packaged/Third Party Software
  • Systems Analysis
  • Systems Audit
  • Systems Integration
  • Telecommunication Services
  • Troubleshooting

Public Liability

Chances are, you visit client premises to install and maintain their hardware and IT systems or they may come to you, leaving you exposed to claims of property damage or injury caused to others.

Public and Product Liability insurance offers important cover for IT Professionals and their legal liability in the event of third party property damage, or the accidental injury of others (not covered by the ACC), or as a result of a product defects..

Business Insurance

Each and every business is different, and that's where Business Insurance offers a suite of options to cater to your individual business needs, from material damage, loss, to the breakdown of important electronic equipment and business interruption.

As an IT professional, below are some of the coverages you may want to consider to keep your business as 'all systems running':

  • Building and Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? Could you afford to repair or replace all of your IT equipment, furniture, etc. in the event you suffered a fire, earthquake or theft?
  • Electronic Equipment -if you were to experience a breakdown of your important electronic equipment, could you cover the cost of repairs, restoration of electronic data, and even any additional cost of completing your work? Taking out Electronic Equipment insurance gives you that peace of mind if something were to go wrong, your downtime would be next to none.

Cyber Insurance

Working within the IT industry, you would be more than mindful of the types of potential malicious cyber threats and data breaches which could harm any sensitive client information you may be storing. The cost of a breach could not only damage the functional side of your business but could also take a toll on your business' reputation.

Cyber Liability Insurance covers the costs which can be incurred following a data breach or having your system hacked. It typically covers investigation and data recovery costs, extortion costs, fines and penalties and PR/crisis management costs.