... 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 ...
read morePublic 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreYou shouldn't think of insurance just as an expense, instead ... ... large organisation they may stipulate that you have certain insurance to work for them. How would you keep your ... business and even personal assets might be on the line. Having a Employers Liability policy in place can ...
read more... 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 ...
read more... and your customers with Public Liability insurance is one of the most ... ... , accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ... business owners when it comes to shopping and choosing insurance policies. Gone are the days of having to ring ...
read morePublic 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 moreAs 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 ...
read more... 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 ...
read moreThe 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 ...
read more... 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 ...
read moreYoga 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 ...
read more... 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 ...
read more... to defend against the claim of liability. Professional Liability insurance can cover the cost of the ... Indemnity insurance policy is there to protect your business s finances, your reputation, and personal assets too ...
read more... 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 ...
read more... investing in the right business insurances can [] ... , 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... . 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, ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreGetting 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read moreAt 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
read more... 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 ...
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... 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 ...
read more... 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 ...
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 moreThe 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 ...
read moreBuying any insurance, can be a confusing and ... to getting your Professional Indemnity Insurance, it can be even more ... ... understand the technical terms, speak to an insurance professional who can help you understand the meaning ... significant human resource risks which will require a management liability policy to cover. Or you may have a ...
read more... 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 ...
read moreProfessional 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 ...
read moreProfessional 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 ...
read more... 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 ...
read more... 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 ...
read moreThe 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 ...
read more... 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 ...
read moreMany 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 ...
read more... 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 ...
read moreYou 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 ...
read moreWe 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 ...
read more... 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 ...
read more... ,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 ...
read more... leads, sales and profits, we help you get your insurance to protect your business against potential pain-points. Being ... don't need to convince you that comparing insurance from multiple leading insurers in the one online ...
read more... 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 ' ...
read more... 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 ...
read more... $74 per month. The cost of Professional Indemnity insurance depends on a number of key factors including: The ... potential claim could end up costing, the higher the insurance premium will most likely be. As you can see ...
read moreWhen 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 ...
read more... , 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 ...
read more... 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 ...
read more... 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, ...
read more... 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 ...
read moreIn 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 ...
read more... comes to claim on your insurance. When you're filling out ... ... when you get rid of them as well. This will also help you to ensure that when you review your insurance, you have the right level of cover for your contents - because there is nothing worse than being underinsured when ...
read more... , 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 ...
read more... could to help defer their insurance payments and keep their livelihoods ... ... customers struggling to keep their doors open . We did what we could to help defer their insurance payments and keep their livelihoods protected during the pandemic. We also continued our long-running small ...
read moreMost 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 ...
read moreThe 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 ...
read moreTwoBlackLabs 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 ...
read moreNetworking 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 ...
read moreThe 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 ...
read moreStress 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 ...
read moreScotchbox 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 ...
read moreWith 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 ...
read more... destroy your business for good. That s where Professional Indemnity insurance comes in to play. If a client makes a ... the worst were to happen. Having the right insurance in place means your business can keep running as ...
read moreAsk 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 ...
read moreWith 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 ...
read moreOwning 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 ...
read moreTime. 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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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
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:
