... Insurance . But what kind of insurance do you actually need?
There's no 'one-size-fits-all' when it comes to insuring a ... of your work. Your Public Liability policy does not provide protection if there is financial loss ...
read more
... involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good thing. With professional indemnity insurance you do not have this ...
read more
... accusations fly, you need to have protection in ... a court case which can proceed for months if not years .
Having Professional Indemnity insurance means you can focus on getting back to business doing what you do ...
read more
... accusations fly, you need to have protection in ... a court case which can proceed for months if not years .
Having Professional Indemnity insurance means you can focus on getting back to business doing what you do ...
read more
... insurance premium will most likely be.
As you can see from the below graph, Real Estate Agents and Engineering consultants pay a ... their own preferred occupations. What one insurer may consider a high risk occupation may ...
read more
... / property damage (unless these arise from a breach of your professional duty of care)
What level of Professional Indemnity insurance do I need to consider ?
BizCover offers Professional Indemnity ...
read more
... incidents like harassment.
So to give you a hand we've outlined a few of the key considerations around the need for adequate insurance for your business .
Is insurance mandatory for your business?
In New Zealand ...
read more
... 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.
You don't need to know your policy by heart but having a rough ...
read more
... What is NOT typically covered?
Do I need Professional Indemnity Insurance Insurance?
Professional Indemnity insurance ... outline a minimum level of cover required. Even if the contract does not ...
read more
Do I need professional indemnity insurance? Claim example
What is Professional Indemnity Insurance?
Professional Indemnity insurance is designed for professionals who provide advice or a service to their ...
read more
... The risk of a claim being made ... need Public Liability Insurance?
If you or your employees interact with other people while doing business in any way or form then you need it. For example:
Consultants/Contractors ...
read more
... What does Professional Indemnity Insurance cover?
When you run your own business there is always the risk of a ... needs it most.
Whether the allegation is real or alleged, your Professional Indemnity insurance ...
read more
... what is required of you, is the risks your business faces. Even with the minimum required insurance, you may also have a ... coverage is minimal.
The things you will need to examine are;
existing and intended areas ...
read more
... 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 ...
read more
... Professional Indemnity insurance.
Insurance policy pricing ... Do you have contracts with customers who require you to have a specific level of cover?
The worst case scenario from the advice or service you provide - what ...
read more
... a priority. From there, it's in your best interest to do a full risk audit, and decide what other special insurances your business needs ... all, insure your business against the kind of events that have the singular power ...
read more
... you, and when the claim is lodged.
What is Notification and Why is it important?
In ... PI insurance, no matter how big or small
Do not ignore any inklings or threats a client may have made in regards to a possible ...
read more
... ensure a safe working environment, and no matter how much we plan, accidents do occur.
Employers Liability insurance ... online sphere is well and truly a part of our daily lives. But what happens when the threat of your ...
read more
... , the business consultant, known for her no-nonsense approach in getting the job done, who simply ... have been scheming his old policy's demise for a while now, with what is a very elaborate plan.
Andre's first order of ...
read more
... initiative raising much-needed awareness of environmental issues across the globe. It's a great opportunity to reflect on how your business impacts on the environment and what can you can do to improve your environmental ...
read more
... language, but it doesn't need to be complicated.
If you are unsure what your policy covers you for, jump on the phone to your insurance service provider. Having a chat to a real-life consultant will help to explain all ...
read more
... do you manage your own IT systems or do you outsource it to a professional IT consultant or company? What ... Liability insurance can be a valuable tool in protecting your business.
What is Cyber Liability insurance cover? ...
read more
... 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 ...
read more
... 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 ...
read more
... instantly.
; Did you Know?
To become a sole trader in New Zealand, you must have:
A personal IRD ... (PI) insurance is designed to provide the essential financial protection you need as a Consultant, to safeguard ...
read more
... can c over for financial loss as 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 of coverage they provide . ...
read more
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 ...
read more
... 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 ...
read more
... ACC
What does Public Liability Insurance cover and exclude?
A Public Liability Insurance policy ... claims and circumstances
What level of Public Liability Insurance do I need?
BizCover is ...
read more
... What does business insurance cover?
Every business is different, with their own unique insurance needs ... Damage to the building, locks and safes as a result of a covered event will also be covered.
Transit : ...
read more
... 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 ...
read more
... shows a different story with some lower risk professional occupations, such as IT consultants, engineers ... each insurance company assesses risk in different ways, and as such, what one insurer may consider as a high-risk ...
read more
... Building
Property
Portable Equipment
Business Interruption
Why do I need to consider Business Insurance?
Your business assets are what help you stay in operation. Th e ...
read more
... for your business you have a responsibility to provide a safe working environment and regardless of the lengths you go to in doing so, it's important to hold Employers Liability insurance.
It protects you and your ...
read more
... do Personal 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 ...
read more
... the right images for your brand .
If you're unsure about what kind of image to put in an email, it's best to ... Here's how it's done.
Cycle Surgery sent out an email that had a broken link. When the email ...
read more
... ?
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 ...
read more
... 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 improve how you present yourself ...
read more
... Did you Know?
Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a ... the ACC does not provide cover
Legal and defence costs
What is typically ...
read more
... 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 Know?
To be a ... .
What kinds of risks does my ...
read more
... the attacks, because they often lack the kind of robust security systems and back-up storage ... do to a business's reputation in the community could be just as harmful.
This is where Cyber Liability insurance provides a ...
read more
... What is Public Liability Insurance * ?
One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance. Public Liability insurance ... much cover do I need?
No ...
read more
... How Much Public Liability 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* is an important type ...
read more
... Insurance?
The short answer. Yes. The long answer. Absolutely yes. If you or your employees interact with other people while doing business in any way or form then you need it. For example:
Consultants/Contractors ...
read more
... during their day for a reason (2).
SO HOW DO WE CELEBRATE?
The first rule is to do what makes you, your ... focus on the negatives. In fact, we see insurance as a hugely positive part of your business plan. But the ...
read more
... ISP/Web/Internet Service
IT Consultants
IT Recruitment & Placement Services ... and that's where Business Insurance offers a suite of options to cater to your individual business needs, from material damage, loss ...
read more
Why do Marketing and Multimedia Professionals need it?
As you help your clients increase their leads, sales and profits, we help you get your insurance to protect your business against potential pain-points. Being a ...
read more
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 ...
read more
... a claim out of your own pocket.
; Did you know?
If you're subcontracting to another painter who has his or her own insurance ... a fire and other perils. The policy can be completely tailored to meet your specific needs ...
read more
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 your insurance by providing competitive online quotes from leading ...
read more
... . 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 ...
read more
... do Mortgage Brokers need it?
As a Mortgage Broker working in a ... a difficult position should it not be protected.
; Did you Know?
An approved Mortgage Broker must have at least $1 million of cover.
; Insurance ...
read more
... need it?
Whether you're a sparkie, 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 ...
read more
... clients visit your office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from ...
read more
... in, adding financial stress and strain that you could do without.
This is where Business Interruption* insurance can help. It provides cover for financial loss as a result of an interruption to your business caused by ...
read more
... and recognising when a data breach has occurred?
Do you have sufficient resources and an incident response plan to manage a cyber incident?
What does Cyber Liability insurance typically cover ...
read more
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 ...
read more
... insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for property damage to a ... and so your insurance needs will also be changing ...
read more
... easy to understand.
Get Free Quotes
; ; ;
Ready to sort out your Business Insurance?
Your small business is a big deal to us. Get the right cover by comparing quotes from New Zealand’s leading ...
read more
... protect the things needed to make your business run smoothly every day.
Business Insurance is designed to ... of the increased costs of running your business as a result of interruption caused by events covered under ...
read more
... 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 ...
read more
... kind of thing that gets business owners excited, that is until something happens and the time comes to claim on your insurance ... and eliminate the need of proving ownership, and a good way to get this done is by having an ...
read more
... same time, be happier at work.
To-do lists
Work to a daily or weekly to-do list. The list should set out your ... of stress and potential solutions to them. Explore what you worry about most often and why, whether ...
read more
... 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 Public Liability Insurance cover?
No matter how big ...
read more
... business free of financial risk. Phew!
What does it cover?
Protect against 3rd party ... a contract with a large organisation they may stipulate that you have certain insurances to work for them. For example, doing ...
read more
... can make a wish for their business, and they need not be a policy holder with BizCover's insurance service to win ... are some of the winners from BizGiver AU:
How does it work?
For your small business to be in ...
read more
... covered & what’s not?
Statutory Liability Insurance For Your Business
New Zealand businesses are facing increased exposure to statutory fines and penalties handed down for breaches of legislation, with businesses ...
read more