Insurance for Consultants & Freelancers
Prepare for the unexpected with business insurance. Find cover for IT consultants, management consultants, real estate agents, and more!
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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 consultants & freelancers insurance?
Business insurance helps consultants and freelancers like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like errors, property damage, and legal expenses.
Mistakes and accidents can happen no matter how careful you are. Bad advice, falling victim to a cybercrime, stolen equipment – the potential troubles for a consultant or freelance business never end.
Any of these situations could result in large costs for your business. If you couldn’t afford to pay them out of pocket, it may be time to consider business insurance.
Why might consultants & freelancers need insurance?
Business insurance isn’t mandatory in NZ for most businesses. As a consultant or freelancer you may be required to have business insurance to do things like:
Meet minimum insurance requirements for job contracts.
Lease a building or office space.
Pay legal costs if you face a liability claim
Types of consultants & freelance we cover
BizCover has insurance options for a whole roster of consultant and freelance occupations. If you don’t see a match below, it doesn’t mean we can’t cover you.
Manages, maintains, and repairs computer systems, networks, and software. Provides technical support.
Management Consultants
Advises strategies to improve business performance, efficiency, and profitability.
Matches job candidates with employers.
Event Managers
Plans, coordinates, and promotes events.
Communication Consultants
Advises strategies to improve internal communication and improve public image.
Arranges the buying, selling, or renting of residential and commercial properties.
Human Resource Consultants
Advises on employee recruitment, wellbeing, training, benefits, and compliance with labour laws.
Reviews, and provides advice on marketing strategy.
Training Consultants
Assesses training needs and develops programs and learning materials to improve employee skills.
Can’t see your consultant or freelance business listed above?
It doesn’t mean we don’t cover it. Start with a quote to find your occupation, compare cover options and buy online in minutes.
15000+ NZ
small business covered
Types of cover we offer consultants & freelancers
BizCover has insurance options for tech whiz’s, real estate agents, and many more.
Tailor your quote to your business, compare cover, and buy online in minutes.
Unsure what types of business insurance to get? We’ve got you! Here’s what other consultants and freelancers tend to choose:
Popular cover types for consultants & freelancers:
Consultants & freelancers may also consider:
Other Covers
Portable Equipment
Portable Equipment Insurance
Covers costs of repairing or replacing your portable tools, equipment, and stock against:
- Theft
- Fire
- Accidental or malicious damage
Cyber Liability
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
Statutory Liability Insurance
Covers you for an unintentional breach of key NZ business legislation, including:
- Legal and defence costs
- Fines and penalties
How much does a consultants & freelance insurance cost?
Your consultant or freelance 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
Public Liability
$23/mo*
Expected average cost
Professional Indemnity
$69/mo*
Expected average cost
Cyber Liability
$124/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.
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.
Public Liability
$23/mo*
Expected average cost small businesses to pay
Professional Indemnity
$69/mo*
Expected average cost small businesses to pay
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Emplyees
Claims History
Click here to check industry wise average prices
*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.
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.
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
Just 5 easy steps to get instant cover online today. Compare multiple types of business cover from different insurers in one go and save time!
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.
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.
