BizCover and n3

BizCover is proud to be the preferred business insurance partner of n3.

Exclusive Discount

for Retail NZ members

Broad Coverage

for your industry

Immediate Cover

No paperwork

Get Instant Quotes

Exclusive Discount

for n3 members

Broad Coverage

for your industry

Instant Cover

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You take care of your customers; we’ll take care of your insurance

As part of our partnership, we’re offering n3 members the opportunity to get

10% off the base premium price of any new business insurance policy.

Simply enter your n3 partner code in the ‘promo code’ field of the quotes page (payment section)

to take advantage of this great offer.

Compare and save on your business insurance

Your business may be considered ‘small’, but it’s big to you and big to us!

We believe that getting your business insurance sorted should be simple and hassle-free, leaving you time to focus on running your business. That’s why we offer a host of cover options from some of New Zealand’s trusted insurers, so you’ll be sure to find a cover option to suit your business and the unique risks you face.

Get cover like no other with BizCover

Search for your occupation and compare free quotes

Save time and hassle by buying online in minutes

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Types of cover we offer small businesses

BizCover has insurance options for tradies, retail businesses, restaurant owners, professionals and many more occupations.

Tailor your quote to your business, compare cover, and buy online in minutes.

For accidents and faults

A slip, trip, or bad advice could turn into a financial nightmare if your business isn’t protected.

Professional Indemnity Insurance

Covers costs of claims from a customer alleging you:

Made a miscalculation
Lost documentation
Failed to meet a deadline
Gave incorrect advice, even if you’re not at fault

Public Liability Insurance

Covers legal fees and repair costs if you accidently cause:

Damage to someone else’s property
Injury to a client or member of the public (not covered by ACC)

For an all-in-one package

Pick-n-mix and tailor your BizPack to fit the needs of your business.

Business Insurance Package

Choose cover options such as:

Building cover
Contents (Property) cover
Tools & Portable Equipment cover
Business Interruption cover

For your tools and business assets

Could you operate if your tools and stock were stolen or damaged?

Tool Insurance

Covers costs of repairing or replacing your portable tools, equipment, and stock against:

Theft
Fire
Accidental or malicious damage

Building Insurance

Covers the building you own and operate out of for the cost of repair or rebuild caused by:

Storm damage
Fire
Malicious damage

Contents (Property) Insurance

Covers the money, equipment, stock, and glass you keep in your building against:

Storm damage
Fire
Theft or break-in damage

For when your business gets interrupted

What would you do if your business couldn’t operate as expected while waiting for repairs, replacements, or during legal proceedings?

Business Interruption Insurance

Covers loss of income or increase in costs of operation when your business is impacted by events like:

Property damage
Fire
Storm damage

For other legal things

As a business owner you have many legal responsibilities, like protecting your client’s data, complying with business law, keeping your employees safe.

Cyber Liability Insurance

Covers your business from legal costs and expenses caused by cybercrime incidents such as:

Data breaches
Extortion
Forensic investigation
Business interruption

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:

Legal and defence costs
Fines and penalties