What Kind Of Insurance Does A Consultant Need

What Kind Of Insurance Does A Consultant Need

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What does Professional Indemnity Insurance Cover?

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What is Professional Indemnity Insurance?

... sure you have some control in what happens next. A Professional Indemnity claim could arise because you ... s not costing you an arm and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to ...

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Professional Indemnity Insurance

... If so, how much cover do they require you to have? Do any of your work contracts specify that you must hold a certain level of PI insurance? What is the value of the jobs that you perform? What are the potential risks (i ...

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Understanding the risks for Real Estate Agents

... Real Estate Industry , Professional Indemnity Insurance provides essential financial protection against ... properly research a property before marketing it. In many cases, it's the buyer's responsibility to do research and ...

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Help Protect your small business' reputation

... a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance ... the Accident Compensation Commission (ACC) does not provide cover. There are a few types of claims that could ...

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BizCover & NZTA

... , review and revise different insurance companies - we've done that for you. With a few clicks or a quick phone call, you ... protect your reputation should the worst happen. What is covered? Damages and claimant costs ...

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What is Business Insurance

... a result of an interruption to your business caused by an insured event. Find out more about the types of Business Insurance available and what kind ... you – job done. Nick M. Management Consulting Service Need Help? Visit ...

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Insurance for Recruitment Consultants

... NZ leading insurers 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 ...

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Insurance for Consultants

... covered instantly. Did you Know? To become a sole trader in New Zealand, you must have: A personal IRD number ... (PI) insurance is designed to provide the essential financial protection you need as a Consultant, to safeguard ...

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Insurance for IT Professionals

... Sales ISP/Web/Internet Service IT Consultants IT Recruitment & Placement Services Project ... and that's where Business Insurance offers a suite of options to cater to your individual business needs, from material damage, ...

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Business Insurance

... check on coverage. How do I make a claim on my insurance policy? If you need to make a claim, don't stress ... the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way. ...

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Customer Spotlight: TwoBlackLabs

... no longer panicked about GDPR, as he understood what he needed to do and that he was supported on his journey ... in the event of a claim my business can continue, and my family are not impacted. Insurance allows me to meet ...

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Cyber Insurance - Is it worth it?

... getting easier (and less expensive), the threat of a cyber incident means all businesses need a security plan to protect their business and they should consider a Cyber Insurance policy as an essential part of this plan ...

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Insurance for Allied Health Professionals

... do Allied Health Professionals need it? Your clients rely on you to look after them; you can rely on us to look after your business insurance ... left a note on the door explaining that she had moved premises and what she ...

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Do I need Business Insurance

GET BUSINESS INSURANCE Do I Need Business Insurance? Do I need Business Insurance ? Take the time to consider how many different assets your business relies on each day to get the job done. From desks to hammers, coffee ...

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Insurance for Handyman

... policy that meets your business's needs. Get covered against wide-ranging risks in minutes. An easier way to get the right insurance cover is just to give us a call - and we will do the rest. Did you know? Your level of ...

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How much does Public Liability Insurance cost?

... , depending on your business needs. What is the average monthly cost of Public Liability insurance by level of cover? ... customer service team if you fail to do so. Andrea A. Commercial Cleaning Services very easy to deal ...

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What is Public Liability Insurance?

GET PUBLIC LIABILITY INSURANCE What is Public Liability Insurance? Do I need Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and your business against ...

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Insurance for Mortgage Brokers

... insurance specifically designed for your occupation Quick and easy online process, no forms to fill in, get covered in minutes Extremely competitive pricing on all our policies Why do Mortgage Brokers need it? As a ...

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Insurance for Immigration Advisers

... Why do immigration 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 ...

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Insurance for Personal Trainers

... Trainers need it? Don't sweat the small stuff when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the crunches when it comes to providing a competitive ...

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Insurance for Painters

Insurance for Painters GET INSTANT QUOTES Compare Public Liability and Tool cover Policy documents emailed instantly Easy online purchase - no paperwork Why do Painters need it? Running a painting business or working as ...

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Insurance for Accountants & Tax Agents

... do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance ... Thank you. Thank you. Thank you. Jason N. Business Coaching Need Help? Visit our Contact Us page, where you can find ...

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It's Time for an Insurance Health Check!

... a quick review of your policy to understand exactly what your covered for so if you do need to make use of your policy there are no nasty surprises. Some things to include in your review are: Endorsements - does your ...

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What does business insurance cover

... INSURANCE What Does Business Insurance Cover? What does business insurance cover? Every business is different, with their own unique insurance needs ... in the world. Business Interruption* A form of protection that is there ...

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Public Liability Insurance

... level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim? What does Public Liability Insurance cover? No matter if your business is big or small, Public ...

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Understanding Employers Liability Insurance

... a look at the coverage and some of the reasons why your business may need to consider having this type of business insurance in place. What is Employers Liability insurance ... ups etc If an injury does occur, help get your ...

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How Cyber Insurance Protects Small Businesses

... hooded movie villains - they're real people doing real damage across the globe, especially in New ... , hackers, but what does it mean to you as a small business owner and how can Cyber Liability insurance help to protect ...

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7 Ways to Grow Sales in a Café Business

... know where you are and what you do, but what about everyone else? They're searching on their smartphone. Now, you don't need to be an SEO expert or spend heaps of money on ads, but you can do a few simple things to ...

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Why do brilliant business ideas sometimes fail?

... are all elements you need to keep in mind when pursuing a new business journey. At BizCover, the one thing we can do to help make your business dream a reality is provide hassle-free business insurance options to protect ...

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The Art of Celebrating a Win this Winter

... during their day for a reason (2). SO HOW DO WE CELEBRATE? The first rule is to do what makes you, your ... always focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the ...

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Insurance for Beauty Salons

... click of a mouse or a quick phone call away. Purchasing insurance doesn't need to be time consuming or complicated. Simply select your preferred policy and in the bat of an eyelash you can be covered instantly. Did you ...

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Insurance for Shop Owners

... do Shop Owners need it? We know you're busy assisting your customers purchase the things they need, so leave the shopping around for your shop insurance ... ACC does not provide cover Legal and defence costs What is ...

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Employers Liability Insurance

... where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries). Do I Need Employers Liability Insurance? Employers Liability insurance (sometimes referred to as EL) protects ...

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Statutory Liability Insurance

... at excellent. What does Statutory Insurance cover? Statutory Liability insurance is there ... communication Madan C. All went very smoothly, thank you. Hillary A. Need Help? Visit our Contact Us page, where you can find out ...

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Do I need Public Liability Insurance?

... do I need? How much does it cost? Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance ... to someone promptly. Both consultants I talked to were ...

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Business Insurance FAQs

... indemnity insurance? What is Business Insurance ? What is Business Insurance? What does business insurance cover? Do I need Business Insurance? Ready to sort out your Business Insurance? Your small business is a big ...

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How To Stay Motivated As A Small Business Owner

... on getting the job done, day after day, it is sometimes easy to forget what motivated you to get ... a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance ...

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Insurance Options for Retailers

... . Available through a BizPack, Building insurance covers your building if it was damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy. You may also need to consider Glass ...

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Insurance for Tradesmen

... has continued to do business for that customer. * This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject ...

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Insurance for Plumbers

... INSTANT QUOTES Compare Public Liability and Tool cover Easy online purchase Why do Plumbers need it? Sorting out your business insurance doesn't need to be a drain. At BizCover we take the high-pressure out of arranging ...

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Turn your side hustle into a small business

... like tools of trade and contents, you will need to explore the different kinds of Business Insurance options that are available. Some of the kinds of coverage options include Building, Contents, Portable Equipment ...

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Why You Should Review Your Business Insurance

... excluded could cause a painful experience if you needed to lodge a claim, a drama you can live without. Our guide takes you through the basic steps on how to review your business insurance and what you need to keep in ...

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What does Public Liability Insurance Cover?

... Known claims and circumstances Examples of some of the kind of injuries the ACC may cover The ACC ... a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance ...

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Insurance by Industry

... that best describes what you do from the list of options below. Accountants & Tax Agents Allied Health Professionals Architects & Designers Bookkeepers Beauty Salons Cleaners Consultants Engineers Hairdressers Handyman ...

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Tool and Portable Equipment Insurance

... Insurance covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. Did you know? Cover is limited for unspecified items. What's ...

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Insurance for Bookkeepers

... do Bookkeepers need it? You focus on keeping your clients' books neat, and we focus on sorting out your business insurance ... it easy for you to arrange your business insurance - just a few clicks and one phone call, you ...

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Insurance for Travel Agents and Tour Operators

... and select policies from NZ leading insurers 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 ...

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Retailer Insurance

... In just a few minutes, you can get back to business, while the insurance cover does the rest. Did you know ... and efficient transition of insurance from current provider. Watikena E. Tour Guide Service. Need Help? Visit our ...

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What does Public Liability Insurance Cover?

... INSURANCE What does Public Liability Insurance cover? What is Covered? When would I need Public Liability insurance? What could cause a claim? What is typically NOT covered by Public Liability insurance? What does ...

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Reviews related to What Kind Of Insurance Does A Consultant Need

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

    Patricia Copp
    Consultancy Occupations

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett

  • 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

  • I loved being able to do everything online

    Dory Connor
    Consultancy Occupations

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

    Trades & Services

  • Just so you know, this is the 2nd review I've been asked to do. BizCover staff were accommodating, I didn't have to wait long for service, they were knowledgeable and polite, listened well and gave excellent information and advice to me.

    Kate Carlisle
    Allied Health

  • Super easy in every way. All done online.

    Sonya Horne
    Allied Health

  • Seamless - everything done online with no intervention required.

    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

  • Excellent so far, Sam was very good with providing the details and doing the follow-up. The sale was closed by someone else as he was not available. but 100/100 for Sam

    Amita Sethi
    Information Technology

  • So fast and easy! All done in 5 minutes.

    Jemima Lewis
    Information Technology

  • I found very efficant no hassle with doing quote or buying the cover

    Desmond Procter
    Trades & Services

  • It was a very sttaightforward process

    Knut Stoyl
    Consultancy Occupations

  • Online was straight forward and quick. The call I made addressed my needs and gave me a solution to my issue. Liked getting options and pricing was competitive

    Megan Curry
    Consultancy Occupations

  • 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

  • Very easy to get a quote and get cover. Great pricing and easy to understand.

    Ann-Maree Ozanne
    Accounting and Taxation

  • Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.

    Ness Macdonald
    Allied Health

  • Good service - a little pushy with the reminders

    Michael Alan Baylis
    Architecture & Surveying

  • Real easy to renew your cover and they email you a reminder.

    Joseph Caldwell
    Information Technology

  • So darn easy to set up and at a reasonable price

    Kirsty McIntosh
    Information Technology

  • Definitely a good tele-support for an email query.

    Scorpio fibre optics limited Mt Eden
    Information Technology

  • 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

Independent feedback from our customers rated our service at excellent.

What is covered?

  • Damages and claimant costs awarded against the insured
  • Legal and defence costs
  • Claims investigation costs
  • Inquiry attendance costs
  • Public relations costs

What is NOT covered?

  • Intentional damage
  • Known claims and circumstances
  • Fraud and dishonesty
  • Bodily injury / property damage

Get the cover that is right for you

BizCover offers Professional Indemnity policies from a range of insurers with cover limits from $250K to $10M. When determining how much cover you need, consider the following:

  • Are there any statutory requirements for your profession?
  • Are you a member of a professional body or association with a set requirement to hold PI insurance? If so, how much cover do they require you to have?
  • Do any of your work contracts specify that you must hold a certain level of PI insurance?
  • What is the value of the jobs that you perform?
  • What are the potential risks (i.e. what could go wrong?) and what are the potential costs to rectify any mistakes?
  • What would the legal and investigation costs add up to if any action was taken against you?

Ensure you review your insurance regularly to assess your exposure risk and increase your level of cover accordingly.

Protect your business today.


How much does Professional Indemnity Insurance Cost?

The cost of Professional Indemnity insurance depends on a number of key factors including:

  • The type of business you operate
  • Your business size and turnover
  • The amount of insurance cover you require
  • The individuals being covered – are they qualified for the job they are performing
  • Previous claims history

The simplest and most accurate way to find out how much a Professional Indemnity policy would cost for your business is to compare quotes to cover your business and its unique insurance needs.

What is difference between Professional Indemnity and Public Liability Insurance?

Public Liability insurance protects you and your business against the financial implications if you are found liable for loss or damage to other people’s property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).

Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

When should I notify the insurer for Professional Indemnity Claim?

Like other insurance policies there are a number of important conditions and obligations under your insurance contract that you need to understand.

Professional Indemnity insurance is issued on a ‘claims made and notified’ basis, meaning the policy responds to claims first made against the insured during the active policy period, and notified to the insurer during the policy period. In a nutshell for a claim to be considered, your policy must have been active at the time the allegation was made against you, and when the claim is lodged.

What is notification and why is it important?

One of the vital conditions of a Professional Indemnity policy is that you may be required to give information around any circumstances that may give rise to a claim to your insurer. You have an obligation to inform your insurer as soon as practically possible once you become aware of any situation which could possibly result in a claim.

Failure to notify your insurer as soon as reasonably possible could lead to your claim being denied. So, even if you’re unsure whether it’s worthy of letting them know or not, it’s in your best interests to do so.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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