Business Insurance
BizPack an all-in-one package that you can tailor and pick-n-mix the cover you need to suit your business.
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Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
On this page:
What is a Business Insurance?
A Business Insurance Package (also known as BizPack) is a customisable insurance bundle with a variety of cover options for the various risks a small business may face.
You can tailor your BizPack to fit your business needs and pick-n-mix cover against insured events, like fires, storms, theft or even accidental damage. From contents and stock to your tools (and much more!), protect your small business against loss of revenue and unplanned bills.
What cover can be included in your Business Insurance Package?
Pick-n-mix and tailor your BizPack to fit the needs of your business.
Choose from the following options:
Other Covers
Looking for more cover types like Public Liability & Professional Indemnity insurance? We’ve got you covered.
Looking for more cover types like Public Liability & Professional Indemnity insurance? We’ve got you covered.
14000+ NZ
small business covered
We’ve got a Business Insurance Pack for your industry:
- IT Consultants
- Management Consultants
- Recruitment Consultants
- Real Estate Agents
- Personal Trainers
- Hairdressers
- Beauticians
- Yoga Teachers
- Nurses
- Care Workers
- Counsellors
- Massage Therapists
- Accountants & Tax Agents
- Tech Professionals
- Mortgage Brokers
- Marketing & Multimedia
If you don’t see your industry or occupation mentioned above, it doesn’t mean a Business Insurance Package isn’t suited for your business.
It only takes few minutes to find insurance that fits your business needs.
How much does a Business Insurance Package cost?
Your business is unique. That means you might face different risks than the business owner down the street and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.
The prices are real, get that new policy feel
Building Cover
$116/mo*
Expected average cost
Contents (Property) Cover
$57/mo*
Expected average cost
Business Interruption Cover
$43/mo*
Expected average cost
Tool Cover
$84/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
Select different cover amounts for each cover listed below.
This is the most you will be paid out if you need to make a claim.
Building Contents, and Business Interruption
Tool Cover
Pick cover for the value of your tools
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Your contract value
Worst case scenario claim size
Building Contents, and Business Interruption
Up to $3M combined cover
Tool Cover
Pick cover for the value of your tools
Customise your cover up to $1M
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Building Cover
$116/mo*
Expected average cost
Contents (Property) Cover
$57/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on FY24 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Building Contents, and Business Interruption
Up to $3M combined cover
Tool Cover
Pick cover for the value of your tools
Customise your cover up to $1M
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
Ready to build your Business Insurance Package?
Choose the individual cover options you need – Building, Property (Contents), Portable Equipment (Tools), and Business Interruption, and we’ll bundle them into one convenient ‘Business Insurance’ policy!
And you can add other cover options like Professional Indemnity and more to your quote.
Select Profession
How it works – making a claim
We’re here to assist you through the claims process and get you back to business. Track your claim through our platform, so you’re always in the loop!
Fill a Form
Our Insurers
We work with a selected group of trusted NZ insurance partners to offer you great cover.
The Savings Are Real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make claims online
We’ll facilitate the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop – Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Frequently asked questions
Confused about Business Insurance and how it can be packaged? We have answered the most common questions we get here.
If you still have questions, you can reach one of our friendly business insurance experts – go here for our Contact Us details.
Every business is different, with unique exposure to risks and challenges. This makes the pricing of Business Insurance policies specific to each individual business. There are a range of factors considered when calculating the cost of a Business Insurance premium, some of these factors include:
- Your claim history
- The type of business operations you perform
- Your annual turnover
- The number of staff
- Level of cover
- Claims history
They are both designed to safeguard your business from different risks, and together can provide your business with comprehensive coverage.
Business Insurance can be packaged with a range of coverage options designed to protect things like your building, contents, tools and risk of business interruption in one policy.
While 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).
Yes! Business Interruption insurance provides cover for the loss of income and increased costs of operating your business caused by a specified insured event (such as property damage or fire). It is also designed to assist your business to recover from an insured event by paying ongoing expenses (such as wages or rent).
Note, Business Interruption cover can be added to your Business Insurance Package – only when you also select either Building or Property (Contents) cover (or both), it cannot be purchased on its own.
More types of cover
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
