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Understanding Insurance, Part One: Public Liability Insurance

... understand the importance of business insurance and the different kinds of ... off our series of Understanding Insurance [] ... nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your business by providing compensation for property damage and personal injury or death caused ...

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Public Liability Insurance

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

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What is Public Liability Insurance?

... insurance too, so all's well that ends well should an accident occur from their negligence. A Public Liability claim could result from Accidental damage to a third party's personal property A faulty or defective ...

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How much does Public Liability Insurance cost?

... Liability insurance. Businesses that are considered to have a higher risk exposure of causing personal ... cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option ...

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The difference between public liability and professional indemnity insurance

... between Professional Indemnity and Public Liability insurance as the two types of ... of protection. Public Liability Insurance VS Professional Indemnity ... A Public Liability claim could result from Accidental damage to a third party's personal property A ... of your service Do I really need Public Liability Insurance? If you or your employees interact with ...

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Insurance Options for Retailers

... wrong. Having the appropriate retailers insurance in place to protect your ... ... to go wrong. Having the appropriate retailers insurance in place to protect your retail store is ... Liability insurance. It protects your business against claims by third parties relating to property damage or personal ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... ... thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your ... business, but your personal assets too. Cyber Liability Insurance If you have a ...

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Key things to look out for when Growing Your Small Business

... management, however, and a tailored insurance [] ... legal liability! Public and Product Liability (or 'PL') covers claims against property damage or personal injury ... scams, DDOS attacks and session hijacking. Cyber Liability insurance may not prevent an attack, but it will ...

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What does Public Liability Insurance Cover?

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 ...

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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! ... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul ...

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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 ... ... with how much you're covered for. Using Professional Liability as an example again, you could be covered ... premium. The point is that you need to keep your insurance as current and correct as possible so that when you need ...

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Preparing your store for the holiday season ahead

The holiday season is upon us, which is an important time for retail businesses. It can provide a much needed boost in sales, but on the flip side it can also mean an ... criminals however, are always finding new sophisticated ways to access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against data breaches after being hacked or having your ...

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Understanding Insurance, Part 4: Cyber Liability Insurance

... we explore how Cyber Liability insurance can protect your business from ... ... . Why do I need to consider Cyber Liability insurance? A common misconception is that hackers only ... is your data? Do you store personal or commercially sensitive information about your clients ...

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Emerging Auckland Yoga Studio Wins National Small Business Grant

Yoga Within started by accident. Owner ... rent a room to offer Yoga Therapy to private clients and ... Bay premises. I first experienced yoga ... in their daily lives.” The leap from yoga teacher to business owner has been an interesting one ... do to continue to grow and develop in my own personal development and studies as well as increase the services I ...

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Employers Liability Insurance

... we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, ... Costs of settlement or damages arising from claims for personal injury to employees in the course of employment ...

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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, ... Liability insurance , i t's designed to protect you and your business against claims by providing compensation for property damage and personal ... business insurance today.  *As with any insurance, cover ...

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... investing in the right business insurances can save your business when ... ... , you may need to consider Public Liability insurance. Public Liability insurance is  designed to provide protection for  ... Liability insurance can assist with are inadvertent loss or release of customer personal ...

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Insurance options to protect your cleaning business

... your business has the right insurances in place for when things ... ... are flying solo as a cleaning business, Public Liability insurance is still something you need to consider. For ... both financially and legally responsible, meaning your personal assets could be at risk of being ...

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Business Insurance

... other assets. And you can include Public Liability Insurance to ensure you are left financially sound for ... in transit to or from your premises, or in your personal custody. Goods in Transit Covers your goods (or goods that ...

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Insurance for Personal Trainers

... . Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ... addition, it's likely a requirement to provide your own insurance if you are contracted to a gym or fitness studio, ...

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Insurance for Allied Health Professionals

... after your business insurance. As an ... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of personal ...

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Insurance for Painters

... 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 your business causing personal or property damage to your ...

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Insurance for Architects & Designers

... and Designer insurance today from ... personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches. Reinforce your cybersphere with Cyber Liability insurance ...

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Insurance for Consultants

... sole trader in New Zealand, you must have: A personal IRD number for paying income tax and GST Relevant ... you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which ...

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Insurance for Beauty Salons

... Liability Insurance provides peace of mind against claims made against you by third parties for property damage, and personal ... policy. 3 things to ask yourself when buying insurance Does the policy cover all your areas of ...

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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 ... out of your current policy. Your personal insurance doesn't cover your business A key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from ...

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How to protect your small business from cybercrime

... data. With more and more personal information being stored and shared ... ... most common channels that spammers use to gain access to personal information. So how do you get cyber-savvy and spot ... your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ... , a conflict of interest is where they have a personal interest in their advice or services given, or the ...

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Statutory Liability Insurance

... positions being held more accountable and responsible for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers, against ...

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Cyber Liability Insurance

... costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches which ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they're real people doing real damage across the globe, especially ... do to a business's reputation in the community could be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ, as it helps cover businesses against the expenses and ...

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

... should hold and maintain a Professional Liability Insurance package. #1 Protect against claims ... ... your reputation in the case of an alleged breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best practice standard for health professionals, but rather a necessity ...

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Introducing our newest cover option: Personal Perishables Cover

... had your lunch or other personal items stolen or accidentally consumed ... our brand new product: Personal Perishable Insurance. Personal ... BizCover is once again leading the pack, launching our brand new product: Personal Perishable Insurance. Personal Perishables Insurance covers working individuals for the loss of consumable items in the workplace from ...

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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 ... and easy online professional indemnity and public liability insurance for over 200 professions. The new ... businesses and trades the option of buying business insurance online. “We have learned through our interaction ...

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Insurance for IT Professionals

... Contents - if you have an office, do you have insurance in place for your contents or any buildings you own? ... toll on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following ...

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Insurance for Engineers

... You may need public liability insurance to protect yourself against any claims and liabilities that arise due to ... Statutes can typically be covered by a Statutory Liability policy. The policy covers your legal defence ...

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Insurance for Mortgage Brokers

... made against your business. Public Liability Public liability insurance helps protect your business against ... put you out of business. The right public liability cover can defend you against compensation claims and legal ...

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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 Accountants & Tax Agents

... day with the books. That's why Professional Indemnity insurance is designed to protect you and your business from any ... or an inadvertent error with Cyber Liability insurance, which provides coverage for expenses like ...

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Insurance for Hairdressers

... likely insist on you having public liability insurance. Business Insurance Your business assets are as ... months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the ...

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Insurance for Tradesmen

... 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 ...

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It's Time for an Insurance Health Check!

The end of financial year is a time for people to plans for the new financial year ahead. It's also a great time for business owners to take stock and do a bit of planning ... and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have minimum ...

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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 ... business. What is Business ... is Business Insurance*? Business Insurance is designed ... personal injury Known claims and circumstances Business Insurance coverage types explained: Building* Building insurance ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be ... explain what professional indemnity insurance is and why it might ... is Professional Indemnity insurance coverage is not sufficient may need to draw funds ... is never a good thing. With professional indemnity insurance you do not have this problem. Cover ...

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Professional Indemnity Insurance

Professional Indemnity Insurance For Your Business When operating a business, your primary goal is to provide a ... could seriously affect your business.Professional Indemnity Insurance (PI) is designed to protect you and ...

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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 ... that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk ... the data of almost 500 BizCover customers with PI insurance in 2017, you can see that the average cost ...

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... dealing with a lawsuit or insurance claim. Fortunately, this is where ... Professional Indemnity insurance can provide protection when you ... part ... to your clients and this is where the Professional Indemnity insurance comes into play. If a claim were to be ... of when you may need Professional Indemnity insurance: If you provide paid professional advice or ...

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7 Ways You Can Protect Your Business and Personal Information Online

The world today is digital, where you can now do everything, from reading books, listening to music, booking a taxi, pre-ordering your groceries for delivery and even ... look and logos. Your bank will never ask for any personal information but also be wary of any links to login to ... 's worth considering cyber insurance for your business. Most cyber insurance policies will not only cover ...

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Insurance for Real Estate Agents

... Public Liability This insurance is an essential component of any business insurances. It covers your liability to ... business as a result of any insured peril. Cyber Liability Working as a real estate agent, you will have ...

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Cyber Insurance - Is it worth it?

Many businesses think their business is too small to attract cyber criminals. Yet, when it comes to cyber theft, size doesn't matter. Hackers are on the lookout for ... In the case of eBay, hackers managed to steal personal records of 233 million users. The hack saw usernames ... for the breach of privacy. This is why cyber insurance should be an important part of your risk management ...

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What is Professional Indemnity Insurance?

... and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional ... cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly ...

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4 Areas You May Not Have Thought Business Insurance Covers

You work hard to build your business. So it's vital to protect your business assets and revenue against potential risks that may impact your business, such as fire, ... time to do it. BizCover offers a range of insurance solutions to protect your business. You can tailor a ... essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not ...

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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 ... , showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, ... there's no nasty paper policies. Just hassle-free insurance, online, with all your documents emailed to you ...

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Insurance for Bookkeepers

... out your business insurance. We know you ... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ...

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Insurance for Immigration Advisers

... ,000 Professional Indemnity (as at July 2017). Insurance for Immigration Advisers Professional Indemnity Insurance Professional Indemnity (PI) insurance provides essential financial protection for Immigration Advisers ...

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Insurance for Recruitment Consultants

... clients is your expertise and getting you the right insurance is ours. With just a few clicks or ... date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a ' ...

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Insurance for Travel Agents and Tour Operators

... clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get ... Insurance for Travel Agents and Tour Operators Professional Indemnity (PI) insurance provides ...

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Help Protect your small business' reputation

When it comes to running a small business, your brand and its reputation are priceless. No doubt you've spent countless hours establishing your name by building strong ... can, however, get some peace of mind with insurance policies designed to help protect your business if ... to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and ...

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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 ... provider of online professional indemnity insurance, has announced ... per cent of the New Zealand professional insurance market is concentrated amongst three insurers. BizCover ... Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...

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Customer Spotlight - Krav Maga Wellington

... people can develop confidence, build personal resilience, and be able to ... ... Maga Federation) and their aim is to teach self-defence skills so that people can develop confidence, build personal resilience, and be able to use these skills for self-protection. They strongly believe that anyone can ...

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Professional Indemnity Claims: when should I notify my insurer?

... clients, your Professional Indemnity (PI) insurance is no doubt one of ... ... to a claim at the time of taking out your PI insurance, no matter how big or small Do not ignore any ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, ...

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Tips for making a Stress-Free Claim for your business

... quickly as possible. Making an insurance claim can be stressful - ... ... we understand how important it is to get your business back up and running as quickly as possible. Making an insurance claim can be stressful - but it doesn't need to be. Follow these simple tips to help make potential ...

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... ... , you'll smile together. THE UPS AND DOWNS Insurers don't always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the truth is, we don't get a chance to focus ...

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Customer Spotlight: Mosh

... , we can look after their insurance needs. Today we're looking ... ... butcher shop, your favourite café or the nation's leading social media agency, we can look after their insurance needs. Today we're looking at one of our most distinguished customers, Mosh . Based in Auckland, Mosh ...

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5 Money Saving tips for Small Business in NZ

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 ... for your business. Many business owners will often just go to the same provider of their personal finances to get a new loan, credit card, bank account or insurance for their business. It may be that the provider of your ...

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Ninja Fitness wins the 3rd BizGiver Grant

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 ... and every one of her clients at classes and outside classes at events they organise. “I get to be up close and personal with the front end and back end of my business. This makes me feel I am apart of all the wins my ...

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Customer Spotlight: TwoBlackLabs

TwoBlackLabs create tailored services to assist clients by managing and making their business' unique security and privacy risk needs easier. They also specialise in ... to starting your own business is to have a personal belief and passion in the services which you offer ... can continue, and my family are not impacted. Insurance allows me to meet my contractual obligations with certain ...

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5 Networking Tips to Help You Leverage Existing Contacts

Networking is a critical skill for any small business owner or employee looking to advance in a career. However, this term can apply to several types of activities. ... an atmosphere that opens doors and encourages others to develop their own relationship skills. 5. Pursue personal interests and access your existing network in a more meaningful way. Use the information you are ...

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The Art of Small Business Branding in the Digital Age

The digital age has provided just about everybody with a platform. The internet is the most sophisticated communication tool ever devised but business owners who want ... some other brands have attempted. When Coors Light misjudged its target demographics with their “climbing your own personal mountain” messaging campaign, they saw sales fall by 4.1 percent in 2017 . Brand Values ...

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Conquering Stress and a Heavy Workload

Stress and overworking can affect your overall productivity as a small business owner. Here are some of the best stress-busting techniques for 2019. Some level of stress ... of stress for a prolonged period of time, it could have a negative impact on your health, personal life, and work outcomes. Health: Headaches, heart issues, depression, high blood pressure, high blood sugar, and ...

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Customer Spotlight: Scotchbox

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 ... bottles has also motivated McBride to ensure that he has insurances in place to protect his Scotchbox stock. “I chose ... because I want to be protected from public liability, selling food and drink to consumers and alcohol ...

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Tips On How To Better Your Business This Year

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 ... a phone call away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not ...

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BizGiver launch in NZ: Granting a $2000 wish this spring

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get a range of answers. However, there is common one thing ... or employee can make a wish for their business, and they need not be a policy holder with BizCover's insurance service to win. “So much of BizCover's success is due to the small business community, who have embraced ...

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10 Amazing Facts About Small Businesses in New Zealand

With New Zealand ranking #1 in the World Bank's 2017 Doing Business Report this year, it has proven to be an attractive place for small business owners. We have put ... NZ, you can see you are in great company! As a small business owner ensure you review your insurance cover regularly. Getting insurance has never been easier - get quotes from top NZ insurers in just a few clicks or a ...

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Managing the work-life balance see-saw: Secret tips for small business owners.

Owning your small business can feel a bit like a balancing act with the everyday responsibilities of running the show, whilst trying to maintain a healthy lifestyle ... off your day by setting reminders and scheduling those important tasks, like reminding you when is your insurance up for renewal again. Intrigued? These are some of the impressive capabilities these devices can perform ...

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Take Back Your Time With These Apps

Time. It's something we could all do with a little bit more of, especially when you run your own business. One of the biggest skills you gain as a small business owner ... . At BizCover, we're big believer in saving time and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive multiple quotes in minutes from some of New Zealand’s ...

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Reviews related to personal liability insurance

  • 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

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    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

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

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

    Layla Dowthwaite
    Consultancy Occupations

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

    Quentin Duff
    Trades & Services

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

    Peter Digby
    Manufacturing

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

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

    Charles Brooks
    Consultancy Occupations

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

    Janette Wallbutton
    Real Estate

Get instant quotes

Get the cover that's right for your business

With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.

Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?