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Insurance for IT Professionals

... 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 ...

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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 ... ... Liability insurance – $1 million, $5million, $10 million and $20 million. Sole trader? ... cleaning chemicals to laptops and mobile phones, without these, it would be hard for you to get the job done. ...

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Insurance for Consultants

... expert insurance to cover it. Compare competitive quotes for your consultancy business, online or over the phone, select your preferred policy and get covered instantly. Did you Know? To become a sole trader in New ...

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How much does Public Liability Insurance cost?

... do Tradesmen pay for Public Liability Insurance? Within the Trades & Services industry there are many ... compared to a sole trader electrician who may only visit a handful of locations. In contrast, when it comes to office ...

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

If you're a sole trader or small business owner, protecting ... your customers with Public Liability insurance is one of the most ... important aspects If you're a sole trader or small business owner, protecting your business and your customers with Public Liability insurance is one of the most important aspects. It offers protection should a customer, supplier, ...

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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 ... ... it only takes half a day for a married man or woman to start a new business in NZ How New Zealand small business are made up of: 3. 70% of all NZ Enterprises are sole traders ... 410,109 self employed small businesses in ...

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World Chocolate Day Customer Spotlight - The Cookie Project

... customers are, we'll take it. With today being World Chocolate ... ... brands like Lewis Road Creamery, Pics Peanut Butter and Trade Aid. “Our cookies are the only commercial cookies ... chocolate drink in our edible cookie cup or have it with chocolate ice cream with our edible cookie spoon.” ...

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International Cookie Day Customer Spotlight - The Cookie Project

... customers are, we'll take it. With today being International Cookie ... ... about how awesome our customers are, we'll take it. With today being International Cookie Day, what better time ... Lewis Road Creamery, Pic’s Peanut Butter and Trade Aid. “Our cookies are the only commercial cookies ...

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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, ... them it's hard to take on any jobs. Even if you operate from a studio, if something were to happen to your tools of trade , the impact upon your business could be devastating. Business Insurance ...

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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 ... ... that are exactly the same. Your insurance needs will vary depending on a variety of factors, such as, the industry you operate in, your trade, and the type of business you run. It will also be influenced by the size ...

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Public Liability Insurance

... should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives ... level of cover for membership? Does your business or trade license require a minimum amount of cover? Do the ...

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Insurance for Tradesmen

... , a chippy or a jack-of-all-trades, you know the amount of hard-yacka that goes into a day at the office! So when it comes down to the nuts and bolts of getting your business insurance sorted out, you can sit back and ...

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

You shouldn't think of insurance just as an expense, instead ... think of it as a protection plan, protecting ... (and rather costly) event occur. trade? Have your protected yourself and your assets? Society is ... . Cyber insurance is an important part of your risk management plan as it provides protection ...

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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 ... ... running as quickly as possible. Making an insurance claim can be stressful - but it doesn't need to be. Follow these ... you need to make a claim for loss of trade through your Business Interruption cover, you will need ...

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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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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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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 ... so it only makes sense to protect it. ... Insurance package is not only a best practice standard for health professionals, but rather a necessity. It's important to ensure your business is covered before you commence trading ...

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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 ... base of small businesses and trades the option of buying business insurance online. “We have learned through ... evolving and enhancing its services, its motto of providing quick and easy online insurance is still a ...

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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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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 ... this article, we explain what professional indemnity insurance is and why it might be important for your business. What is Professional Indemnity Insurance? Professional Indemnity Insurance is a form of business ...

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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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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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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 ... who are required to have professional indemnity insurance by law An example of some professions that require PI cover are: health practitioners, IT contractors, management consultants, accountants and real estate ...

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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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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 ... home is a small price to pay even if it is unlikely you will have a million dollar claim. ... 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 ...

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Cyber Insurance - Is it worth it?

... 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 ...

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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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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 ... 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 ...

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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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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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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 ... for you to potentially be dealing with a lawsuit or insurance claim. Fortunately, this is where Professional Indemnity insurance can provide protection when you need it most. In part two of our Understanding ...

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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 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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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 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 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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What is Professional Indemnity Insurance?

... you have to make your debut in front of the judge, make sure it's not costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional advice or service ...

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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 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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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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What is Public Liability Insurance?

... 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 that ends well should ...

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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 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 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 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 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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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 ... than cure, and that's where Cyber Liability insurance can be a valuable tool in protecting your ...

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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 ... ... 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 ...

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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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Reviews related to it sole trader insurance

  • 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

  • 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

  • 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

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

    David Tabar
    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

    Pete Halligan
    Trades & Services

  • 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

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

    Peter Digby
    Manufacturing

  • 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

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    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

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

    Alanna Clerkin
    Allied Health

  • 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

  • excellent and quick

    LALESHNI DEVI
    Trades & Services

  • Awesome very easy to use and not complicated to use

    Ross and Jenny Fletcher
    Trades & Services

  • quick and easy.

    George Curach
    Trades & Services

  • A real person promptly answered my phone call - no redirection / no music while holding!! Quick and efficient answers to my questions.

    Astrid Herbert
    Trades & Services

  • Follow up was not what I required. To long to get feedback on queries.

    Bruce CHRISTIAN
    Trades & Services

  • Very quick polite and easy to deal with. Happy with service provided

    gary smith
    Trades & Services

  • Excellent online service, frequent reminders of the expiry date, and a reasonable cost for the protection.

    David Crockett
    Trades & Services

  • I was impressed with the quick service and how able they could ask my questions

    Tony Bailey
    Trades & Services

  • Easy very grateful thankyou

    Chas Pourau
    Trades & Services

  • Prompt response to my initial enquiry and subsequent questions about the policy.

    Carol Freebairn
    Trades & Services

  • have referred a work mate to BizCover, overall happy

    Doug Fowler
    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.