Insurance for Sole Traders
Prepare for the unexpected with business insurance.
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
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 sole traders insurance?
Business insurance helps sole trader’s like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like third-party injuries, accidental property damage, and legal expenses.
Bad advice, slip and fall injuries, stolen equipment—the potential troubles for a sole trader never end.
Situations like these (and plenty of others) could create unplanned expenses for your business. If paying them out of pocket would put your plans in jeopardy, it may be time to consider business insurance.
Why might sole traders need insurance?
Business insurance isn’t mandatory in NZ for most businesses, but you may be required to have a policy to do things like:
Lease an office space.
Meet contractual obligations.
Pay legal costs if you face a liability claim.
Types of sole traders we cover
Each and every business is different, and that’s why BizCover offers business insurance options to cater to your individual needs.
We cover a broad range of sole trader occupations, including:
Can’t see your occupation 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.
14000+ NZ
small business covered
Types of cover we offer sole traders
BizCover has insurance options for many types of sole trader’s.
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 sole trader’s tend to choose:
Popular cover types for sole trader’s:
Sole trader’s could also consider:
Other Covers
Portable Equipment Insurance
Portable Equipment Insurance
Covers costs of repairing or replacing your portable tools, equipment, and stock against:
- Theft
- Fire
- Accidental or malicious damage
Content Insurance
Contents (Property) Insurance
Covers the money, equipment, stock, and glass you keep in your building against:
- Theft or break-in damage
- Storm damage
- Fire
How it works – buying online
5 easy steps to get instant cover online today.
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
Get Covered Online
Search your
Occupation
Choose your
Cover(s)
Enter Business
Details
Compare
Quotes
Get Covered
Today
How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Referral Partners
Do you have customers who could use BizCover?
Recommend us, protect them, and earn a commission.
Current Partners
Our Insurers
We work with a selected group of trusted NZ insurers 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
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory 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 manage 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.
