... and Product Liability insurance offers important cover for IT Professionals and their legal liability in the ... Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? ...read more
... we explore how Cyber Liability insurance can protect your business from ... ... 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 ...read more
... and your customers with Public Liability insurance is one of the most ... important aspects. It offers protection should a customer ... ... As cliché as it sounds, accidents happen. If you don't have Public Liability insurance you face the ... all of the features you need leaving you high and dry when it comes time to make a claim. The most effective way to ...read more
Public Liability Insurance protects you and your business ... ... work for any metropolitan 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 ...read more
Yoga Within started by accident. Owner ... rent a room to offer Yoga Therapy to private clients and ... Bay premises. I first experienced yoga ... spare right now… why not give it a go?!”” The win will allow Yoga Within to expand their class offerings ... themselves in their daily lives.” The leap from yoga teacher to business owner has been an interesting one, ...read more
... 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 ...read more
... of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the ... costs Claims Examples Website hijacked and defaced Computers infected with viruses/malware Data held to ...read more
... unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of ... not covered by the Accident Compensation Commission (ACC). It also covers any legal defence costs you incur ...read more
... running your own business. Whether its balancing the books, creating ... list goes on. But when it comes to protecting your business ... , it ... Compensation Co rpora tion (ACC). It can also 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 ...read more
... Statutory Liability Insurance protects ... you, your business and your employees, including directors, trustees and managers, against certain unintentional breaches of New Zealand Acts of Parliament. It ...read more
... more it will usually cost. However, fortunately when it comes to Public Liability insurance the ... of cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to ...read more
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 ...read more
... should you experience a public liability claim, then you need to have it. It's as simple as that. And if you are doing business with another business, make sure they have public liability insurance too, so all's well ...read more
... to build your business, so it only makes sense to protect ... it. Below are the top 5 ... should hold and maintain a Professional Liability ... breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best practice standard for health professionals, but rather a necessity. It's important to ensure your business is ...read more
... , a claim could be enough to bankrupt a business, regardless of how big or small it is. Professional Liability insurance is designed to protect your business from legal claims for alleged negligence or a breach of ...read more
It's important to understand the difference between Professional Indemnity and Public Liability insurance as ... of protection. Public Liability Insurance It's important to understand the difference between Professional Indemnity and Public Liability insurance as ... client making a claim against you. A Public Liability claim could result from Accidental damage to a ...read more
... a photographer and how business insurance can protect your business. Why ... do photographers need to consider insurance? Working with clients, ... personal time it takes to defend a claim -a n added worry you can live without. What types of insurances photographers need to consider? Public Liability insurance * One ...read more
... is Small Business Insurance. But what kind of insurance do you actually ... 'one-size-fits-all' when it comes to insuring a business ... ... It's also important to note that some types of insurance are compulsory for many kinds of businesses, whether it's ... computers or laptops, you should think about holding a Cyber Liability policy. Cyber Liability Insurance ...read more
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... 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 ...read more
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... 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 ... of any insured peril. It can also provide financial ...read more
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... the insured and their employees, not subcontractors. Insurance for Plumbers Public Liability Public Liability is perhaps the most important insurance option for painters to consider. It will protect you in the event of ...read more
... . It is a very affordable cover considering the amount of protection you receive. If you lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance ...read more
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... . Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ... people and property. In addition, it's likely a requirement to provide your own insurance if you are contracted to a ...read more
... 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 damage and accidental ...read more
... only has the potential to financially devastate your business, but it can turn your reputation into an ugly mess - and ... damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made ...read more
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You shouldn't think of insurance just as an expense, instead ... think of it as a protection plan, protecting ... (and rather costly) event occur. Liability policy in place can cover you not only for your legal ... . Cyber insurance is an important part of your risk management plan as it provides protection ...read more
Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... home, your home and contents insurance policy might not cover all the liabilities related to your business. As ... work from home is a small price to pay even if it is unlikely you will have a million dollar claim. Cover ...read more
... , make sure it's not costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you ... of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the ...read more
... the transaction between home buyers and sellers. Be it residential or commercial, you are legally held responsible ... Liability This insurance is an essential component of any business insurances. It covers your liability ...read more
... the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance for a number of reasons ...read more
... 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 ... business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover ...read more
... 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 ...read more
... ditch the baby steps, put it all on the line, and ... management, however, and a tailored insurance  ... the asset that people are paying for? In other words, is it feasible to operate on a much larger scale? Not every business ... . Cyber Liability insurance may not prevent an attack, but it will help you deal with it and take ...read more
... 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 ...read more
... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... ... Estate Industry, Professional Indemnity Insurance provides essential financial protection ... property the agent must communicate it as soon as the information arises or face possible liability for any issues. For example ...read more
... insurance, can be a confusing and time consuming process. And when it ... to getting your Professional Indemnity Insurance, it can be even ... to provide information on your professional indemnity insurance . Investigate and make sure to look ... your business and may need to consider a cyber liability policy. It's important to look at the whole scope of your ...read more
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 ... liability ... it a bit too far, yet we can't help but be appreciative of the creativity behind the way he'd say RIP to his old policy. Thankfully with BizCover, there's no nasty paper policies. Just hassle-free insurance ...read more
... , 2011. BizCover, the pioneer online insurance marketplace in Australia and leading ... professional indemnity insurance, has announced today the ... of online professional indemnity insurance, has announced today the launch of its New Zealand business and ... Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...read more
... clients, your Professional Indemnity (PI) insurance is no doubt one of ... 't quite go to plan it can provide much needed financial ... ... even if in doubt it means that you have complied with the requirements Never admit liability or attempt to resolve ... insurers consent, or disclose how much PI insurance you have. It might result in them trying to claim ...read more
... 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 ...read more
... 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 ...read more
... attract cyber criminals. Yet, when it comes to cyber theft, size ... ... customer or vendor relationships and processes customer-sensitive (non public) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies—especially the exclusions—and ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... it? As you help your clients increase their leads, sales and profits, we help you get your insurance ... we don't need to convince you that comparing insurance from multiple leading insurers in the one online marketplace is ...read more
... it? Recruiting the right employees for your clients is your expertise and getting you the right insurance ... date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a ...read more
... and Tour Operators need it? Sorting out your clients' itinerary is fun, and so is sorting out your business insurance. With just 4 ... Insurance for Travel Agents and Tour Operators Professional Indemnity (PI) insurance ...read more
TwoBlackLabs create tailored services to assist clients by managing and making their business' unique security and privacy risk needs easier. They also specialise in ... as complex, expensive and carries no business value”. 'it's basically a cost to us' and there for 'tick ... can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with ...read more
... Professional Indemnity Insurance (PI ... indemnity insurance is and why it might ... be important for your business. What is Professional ... insurance is and why it might be important for your business. What is Professional Indemnity Insurance? Professional Indemnity Insurance ... . Businesses or consultants whose insurance coverage is not sufficient may ...read more
Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... Use the Cloud Rather than investing in expensive computer hardware, consider cloud computing for your business. ... loan, credit card, bank account or insurance for their business. It may be that the provider of your ...read more
We are all about small business here at BizCover. We love getting the chance to witness exciting and unique ideas come to fruition in the form of a new business. Our ... Joe and Sarah took their passion to the next level by going out of their own in the pursuit of quality beer. It all started a few years ago when Joe and his two friends Ben and Charlie, decided to give brewing beer a ...read more
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 ... 7 years later we're still at it. “ As for Vaughn's favourite part of his job, it's about “creating real value for client ... in their aircraft carriers, smaller ones are killing it in our kayaks.” “You don't need much ...read more
Today, for our Customer Spotlight, we're looking at MOA Bakery, Cakery, a small retail and wholesale bakery that specialises in vegan, gluten free, and refined sugar ... As for Jane's favourite part about her job, it's the “freedom to be creative with what I make and ... might be considering starting their own business: “Go for it – but check that your idea will fly by putting ...read more
This week we're shifting our attention from the cafs and marketing agencies to the combat arena. Krav Maga Wellington is an IKMF school (International Krav Maga Federation ... amazing to witness.” As for his secret to keeping his clients coming back for more, Gabriel says it's about creating long-lasting relationships. “We always stay in touch with people and our communities and we listen ...read more
Based out of the town of Taupo in the North Island, is Provo Plastering Limited. For 2 and a half years now, Helen and her husband Jonathan have been running their own ... in the plastering industry, so they decided to give it a crack. They entered the BizGiver competition with the ... at the time did not have the capacity to purchase it. We asked Helen and Jonathan what they love about ...read more
... environmental issues across the globe. It's a great opportunity to reflect ... ... much-needed awareness of environmental issues across the globe. It's a great opportunity to reflect on how your business ... off electrical devices when not needed Set computer screens to sleep mode when not being ...read more
... BizGiver Grant. Can they fix it? Yes, they can! JAW Maintenance ... ... he discovered a niche in the market for the small jobs people sometimes struggle to find someone to do. He states “It also gives me the opportunity to get out in my community, meeting new people and doing the work I love ...read more
Scotchbox is all about sampling Whisky and other spirits that aren't easy to find, or, you perhaps wanted to try but didn't want to buy a bottle. With Scotchbox you ... to starting your own business and getting it up and running starts with planning. ... insurances in place to protect his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability ...read more
... at your fingertips to discover, it also means that your business ... ... or which accounts to cancel? It's great to think about all of these things but if it is too overwhelming it's worth considering cyber insurance for your business. Most cyber insurance policies will not only cover your ...read more
Ask any small business owner about the most difficult aspect of running a business and you'll most likely get a range of answers. However, there is common one thing ... and they need not be a policy holder with BizCover's insurance service to win. “So much of BizCover's success ... ! As long as the wish can be invoiced it's eligible. Read here about present and past BizGiver winners ...read more
... 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 ...read more
... list goes on! And unfortunately, it is often our lifestyles which ... ... your eyes a break from the computer screen and start filling those lungs with fresh air. Even if it's just for 10minutes, the break outside ... like reminding you when is your insurance up for renewal again. Intrigued? ...read more
Today is the day all coffee lovers have marked on their calendars, International Coffee Day. To celebrate we're taking a look at one of our customers who exudes a love ... and Emma are so confident in the quality of their custom coffee that if a customer doesn't like it - its free. Their Facebook page has no shortage of rave reviews, with customers like Kyra, who awarded them 5 stars ...read more
... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... your business is a good sign of how well things are tracking, it won't be the only thing on the up. As a result ... it could happen! If you want to get an accurate idea of how much a Professional Indemnity Insurance ...read more
The winner of our bi-annual competition, BizGiver, is Elly Rodrigues - the owner of Ninja Fitness! For a little over a year now, in the small township of Ruakaka, in ... her clients will love learning to use. When asked what is was that she loved most about her job, Elly said it was getting to know each and every one of her clients at classes and outside classes at events they organise ...read more
Today we're looking at one of our customers who are responsible for elevating the arts and culture scene in Wellington to new heights. Directors Claire Mabey and Andrew ... festival in Wellington - a festival of literature set in local bars, cafes, venues, book stores, and public spaces. It began as 14 events and has since grown to over 50 events, with 150 artists and over 5,000 people in ...read more
With 2019 only just getting underway, what better time is there to whip your business into shape for a successful year. Taking the time to review some of your existing ... important elements to keeping your business safe is having the right business insurance policies in place to protect it from unexpected risks. Reviewing your insurance is an opportunity to make sure you are not under or ...read more
Based out of Hamilton, on the banks of the Waikato River, Hannah McCreery runs Two Sides, a boutique copy and content writing business. Two Sides works with businesses ... the way, before we came up with a finished product that we were both exceptionally proud of. You can check it out here .” For all the aspiring business owners out there, Hannah had these nuggets of wisdom to offer ...read more
Reviews related to it liability insurance
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
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.
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.
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
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
It was easy and fast to attain.
Jason Te Kare
Very good and it is helpful
Television Antennae Installation
It was a very sttaightforward process
made it very easy to renew excellent
It was quick & I had my questions answered promptly The only issue was understanding the accent of the person I was speaking to
It was grate and on timings,fast,good customer services.
Trades & Services
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
Trades & Services
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.
Thanks so much for the clear information and for making it so easy amd hassle-free!
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
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!
IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE
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
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:
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..
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.
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.