Insurance For Independent Consultants

- Trusted by thousands of Professional Consultants throughout NZ
- 100% claims paying record
- Buy now and get your certificate immediately

Insurance for Consultants

... and penalties Extortion payments PR and crisis management for your consultancy How much does insurance for consultants cost? Like many consultants, you probably want to know exactly how much it will cost to insure your ...

Insurance for IT Professionals

... independent IT contractors insist their contractors hold PI insurance before considering them for a contract. Professional Indemnity insurance ... you, while our dedicated claims consultants keep you informed every step of ...

Employers Liability Insurance

... which are also involved with the process.Independent feedback from our customers rated our service ... won't bore you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. If you ...

A Management Consultants Guide to Professional Indemnity

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Insurance for Education Consultants

... Tailored policies to suit your profession needs Buy online instantly- no paperwork required Why do Education Consultants Need insurance? Your client's put their trust in your knowledge and experience when it comes to ...

Insurance for Recruitment Consultants

... process, no forms to fill in, get covered in minutes Why do Recruitment Consultants need Business Insurance? Insurance for recruitment consultants is there to provide protection against potential claims for a breach of ...

What You Should Know Before Becoming A Contractor

... , a contract IT professional , a contract consultant , or one of many, many other types of consultant in New Zealand, BizCover can help you with a wide range of business insurance that you may be considering, including ...

Tear and Share: Our customers get even with their old insurance policies

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A Guide to Going Green This World Environment Day

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Tips for making a Stress-Free Claim for your business

... 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 the important things about your cover that you need to ...

How to protect your small business from cybercrime

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Customer Spotlight: TwoBlackLabs

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What do you need to know about Professional indemnity insurance?

... to time depending on the size of a job contract or the level of risk 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 ...

Cyber Insurance - Is it worth it?

... Like the Australian case of the sports drug testing consultant who left his laptop at a sports ground. He ... Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. ...

What is Business Insurance

... business. I was very impressed. Precious C. Education Consultant Easy to use and easy to understand! Highly ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

How much does Professional Indemnity Insurance cost?

... is an essential form of cover for all types of consultants. Out of those who purchased their insurance through BizCover, Management Consultants and Business Analysts tend to pay higher premiums than other types of ...

Insurance for Allied Health Professionals

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8 Free Marketing Tips To Help Your Small Business Succeed

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Online service saves SMEs hundreds on their business insurance

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A Management Consultants Guide to Professional Indemnity Insurance

Top Digital Marketing Tips For Contractors

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9 Ways To Grow Your Design Business in 2023

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Understanding Insurance, Part 3: Business Insurance

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The difference between public liability and professional indemnity insurance

... are required to have professional indemnity insurance by law An example of some professions that require PI cover are: health practitioners, IT contractors, management consultants, accountants and real estate agents. If ...

What Is The Difference Between Public Liability And Professional Indemnity Insurance?

... business, then Public Liability insurance is something you may want to keep in mind. Here are some examples of other types of businesses who may consider this type of cover: Consultants/Contractors/ Tradespeople who work ...

How Plumbers Can Protect their Business with Public Liability Insurance*

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What is Tool Insurance and why do Tradies need it?

... theft, fire and other perils listed in the wording, anywhere in New Zealand. Why do tradies need to consider Tool insurance? If your tools were lost or stolen, your work comes to a quick halt, meaning you can't work on ...

Business Insurance FAQs

... needed to make a potential claim, a drama no business owner wants to be faced with! It's no secret that insurance can sometimes be a bit confusing and like a language of its own right? We don't believe in using jargon ...

What you need to know about Business Interruption Insurance

... and mind and protection this coverage can provide to help get your business back up and going. This type of insurance can also be surprisingly simple to arrange and doesn't need to cost a fortune. As with every form of ...

What Are Independent Agreements For Contractors?

... of you, and expect the same high standards from your clients. Business insurance and independent agreements Business insurance is essential for many contractors. It helps protect your small business against common ...

How To Become An Independent Contractor In NZ

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Why Do Marketing Consultants need Professional Indemnity Insurance?

... Professional Indemnity (also known as PI) insurance is an important form of protection for businesses that provide specialist services or professional advice, like marketing consultants.  It is designed to respond to ...

Statutory Liability Insurance

... are permitted to be paid at law.Independent feedback from our customers rated our service at excellent. What does Statutory Insurance cover? Statutory Liability insurance is there to provide the financial protection ...

Insurance by Industry

... Psychologist Real Estate Agents Recruitment Consultants Retailer Shop Owners Tradesmen Travel Agents and Tour Operators Yoga Teachers Protect your business today. * * As with any insurance, cover will be subject to ...

Insurance for Marketing and Multimedia Professionals

... and Multimedia Professionals Market Researchers Marketing Consultants Publisher Printers SEO Consultants Sign Writers Public Relations Consultants Insurance for Marketing and Multimedia Professionals Professional ...

Do I need Professional Indemnity Insurance Insurance?

... covers are also required with your policy. Some professions requiring Professional Indemnity insurance include accountants, architects and consultants. For many of these professions, the governing body establishes strict ...

Portable Equipment Insurance, A Guide For Contractors

... different areas, from tradies to architects, management consultants, photographers and many more. Trying to get ... If you are ever unsure double check with your insurance agent about your level of coverage and the details. ...

What does Public Liability Insurance Cover?

... of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here ... the insurer for you, whilst our dedicated claims consultants keep you informed every step of the way. Alternatively ...

Public Liability Insurance

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Understanding Cyber Liability Insurance – A Guide For Engineers

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Understanding Insurance, Part Two: Professional Indemnity Insurance

... of the contract. Some of the typical professions which may require Professional Indemnity insurance include: consultants, accountants, real estate agents and health practitioners. Types of Professional Indemnity claims ...

6 Essential Types of Business Insurance in New Zealand

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Insurance for Shop Owners

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How much does Public Liability Insurance cost?

... professional occupations, such as IT consultants, engineers and other consultancy occupations, ... of cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to ...

What is Professional Indemnity Insurance?

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Professional Indemnity Insurance – A Guide For Real Estate Agents

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Insurance options to protect your cleaning business

... you make your clients happy with squeaky – clean results. It's also important that your business has the right insurances in place for when things get messy. You've worked long and hard to build your business and that's ...

Insurance Options for Retailers

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How Cyber Insurance Protects Small Businesses

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Insurance for Photographers

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Professional Indemnity Insurance- a Guide for Real Estate Agents

An Accountants Guide to Understanding Cyber Liability Insurance

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A Contractors Guide To Understanding Product Liability Insurance

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How Insurance Can Protect Landscape Architect

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Managing Your Business Insurance During Inflation

... tip of most business owners lips and is the driving force behind changes like the increased costs of living. Business insurance isn't exempt when it comes to the impact of inflation, and in our quick guide we take a look ...

Insurance for Sole Traders

Insurance for Carpenters

What does business insurance cover

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Insurance for Immigration Advisers

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Insurance for Bookkeepers

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Things to consider when purchasing business insurance

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Tradie Guide to Public Liability Insurance

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An Accountants Guide to Understanding Public Liability Insurance

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How Accountancy Insurance Protects Your Business

... 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. © 2023 BizCover ...

Why Bookkeepers need Professional Indemnity Insurance

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Review Your Business Insurance With A Health Check – Part One

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Business Insurance Health Check Part 2

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What Is Inside A Business Insurance Pack?

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The basics of business insurance for all trades of life- a lingo free guide

... -free and quick. We provide an online platform to assist when it comes to shopping around and selecting your business insurance cover. We don't like to waste time, so if you need a certificate of currency in a hurry, get ...

Insurance for Psychologists

Insurance for Counsellors

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Insurance for Mechanics

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Business Insurance

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Tool and Portable Equipment Insurance

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Business Interruption Insurance

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An Accountants Guide to Professional Indemnity Insurance

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How Are Business Insurance Premiums Calculated?

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What to think about when comparing insurance quotes for your small businesses

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Reviews related to Insurance For Independent Consultants

It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

Patricia Copp
Consultancy Occupations
Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

Layla Dowthwaite
Consultancy Occupations
I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

Alison McDonald
Consultancy Occupations
Nice and fast, but not immediately obvious where to download insurance certificate.

Charles Brooks
Consultancy Occupations
It was easy and fast to attain.

Jason Te Kare
Consultancy Occupations
I loved being able to do everything online

Dory Connor
Consultancy Occupations
very easy to renew policy, no dramas or hold-ups. I didn't have to waste my time with petty details.

Andrew Barrell
Other
It was a very sttaightforward process

Knut Stoyl
Consultancy Occupations
Easy to understand and purchase, great experience

Greg Campbell
Consultancy Occupations
Answered all my questions, helpful, and followed up my online enquiry efficiently.

Jan Broadley
Consultancy Occupations
Simple, effective, quick, liked the compare feature

Andy Dick
Consultancy Occupations
Efficient service with reminder notice well in time, when my cover was due to expire.

PAMELA HARVEY
Consultancy Occupations
Fast efficient and user friendly

Brett Stansfield
Consultancy Occupations
It was quick & I had my questions answered promptly The only issue was understanding the accent of the person I was speaking to

Jane Gresham
Consultancy Occupations
The man who phoned and chatted to me was super knowledgeable and very friendly. He was able to answer every question I had on the spot without delay or referring me to anyone else - this never happens!

Donna Swart
Finance and Mortgage Broking
Easy to purchase. Good follow up and email reminder. Price Is good.

Gabriel Molina
Other
I recommend bizcovers simple and straightforward system for obtaining professional insurace online

Alison Davies
Consultancy Occupations
Easy and affordable. Friendly customer service rep.

Ian Leader
Consultancy Occupations
The person assisting me was helpful and called back when he said he would

LINDA BLUM
Consultancy Occupations
Online was straight forward and quick. The call I made addressed my needs and gave me a solution to my issue. Liked getting options and pricing was competitive

Megan Curry
Consultancy Occupations
Good reminders easy to renew online

Rob Small
Other
They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

Monique Princen
Information Technology

Did you Know?

To become a sole trader in New Zealand, you must have:

A personal IRD number for paying income tax and GST
Relevant government licences and permits that your business may require
Qualifications or registrations for your trade or profession.

You will also need to advise Inland Revenue that you’ve become a sole trader and you’ll need to register for GST if you earn over $60,000 a year.

Source: https://www.business.govt.nz/getting-started/choosing-the-right-business-structure/becoming-a-sole-trader/

Insurance for Consultants

Consultants working in all industries should consider insurance to safeguard their livelihood against the unique and commonplace risks they may face on the job. With so many new and emerging types of consultancy roles it is important that you understand the types of risks your business may encounter, even if you take all the measures in the world to keep it safe.

Insurance for management consultants*

Management consultancy is a growing area of expertise within the consultancy field. With a shift in the way that many businesses are now directing and running their businesses the demand is growing for more management consultants.

While you may be a management consultant who operates from home or visits your clients out on the road, ensuring you have the right business insurance in place are vital. Professional Indemnity insurance* is one of the main types of insurances you may need to consider, as well as Public Liability insurance* and Business Insurance*.

Professional Indemnity insurance* is something you may want to consider having in place before uttering those first words of management consultancy advice, a claim from a client without it could accidentally land you in hot water, a risk no small business owner wants to risk.

Professional Indemnity insurance may be a requirement if you work on certain contracts, and if you are a member of certain industry board or council you may also need to have a certain level of Professional Indemnity insurance in place. It is always a wise idea to check what level of coverage you may need when arranging your management consultancy Professional Indemnity insurance. Many consultants consider these and other policies:

Professional Indemnity

Giving advice or providing recommendations doesn’t come without risk. That’s why Professional Indemnity (PI) insurance is designed to provide the essential financial protection you need as a Consultant, to safeguard your business for claims made against you if you make a mistake, or are perceived to have made a mistake. After all, your business is your livelihood, so protecting it is paramount.

Our comprehensive Professional Indemnity insurance covers a broad range of consultancy occupations, including:

Advertising
Agronomist
Communications consulting
Compliance
Conveyances
Corporate
Fire and Safety
Forestry
Funeral Directors

Geological
Horticultural
Human resources / training services
Marketing / public relations
Marriage Celebrant
Mediators
Mineral Industry

Organisational structure & change management
Public relations
Risk Management
Strategic business planning
Title / Legal Searchers
Translator
Workflow processes & procedures

What is covered?

Professional Indemnity insurance is designed to protect your assets, your bank accounts, and your professional reputation. These policies typically do this by covering the costs associated with a claim, including:

Legal expenses, such as costs related to your legal defence, court attendance, and responding to disciplinary inquiries
Costs associated with formal and informal investigations of the claim
Damages awarded to the claimant
Public relations

PI policies usually cover the following events:

Providing negligent or misleading advice
Breaches of duty, such as confidentiality and other privacy issues
Defamation, libel or slander
Intellectual property and copyright infringement
Loss or damage to client documents
Bodily injury or illness caused by the professional services covered under your policy

What is not covered?

Professional Indemnity includes many important protections for consultants. However, it typically does not cover the following:

Intentional damage
Any claims or circumstances that are known prior to the period of insurance
Acts of fraud and dishonesty
Accidental injury and property damage

Public Liability

Public Liability insurance is a no-brainer when it comes to offering consultancy services. When you are dealing with clients on a regular basis, whether at your office or theirs, you will be exposed to many potential mishaps – something as simple as accidentally spilling coffee all through a clients laptop could end up costing you a couple of thousand dollars.

Public Liability insurance will protect you from any financial losses which may arise from a claim of third party property damage or accidental injury (not covered by the ACC) to save you from having to pay from your own hip-pocket.

What is covered?

Typically, Public Liability policies will cover costs and compensation relating to:

Repairing or replacing damaged property
Third-party personal injury or death where the ACC does not provide cover
Your legal defence

What is not covered?

While Public Liability insurance can provide you with important peace of mind, it is still important to ensure that your business is operating in accordance with the law and the professional standards of your industry.

Public Liability insurance typically will not cover:

Injuries to your employees or yourself
Damage to your own property
Compensation for personal injury that is covered by the ACC

Protect your business today.

GET INSTANT QUOTES

Business Insurance

Your clients are your bread and butter, but where would you be without your business assets? Business Insurance allows you to select the types of coverage that best suit your business, like contents, to protect against fire, earthquake, theft, vandalism and accidental damage.

Cyber Liability

Chances are you store valuable and sensitive client information online, which you need to protect. In today’s digitalised world, cybercrime and data breaches are common. Sensitive data can be compromised, resulting in very expensive costs, not to mention the potential irreparable damage it can cause to your business’ reputation.

Cyber Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and if sensitive client information is stolen.

What is covered?
Consultants can expect most Cyber Liability insurance policies to cover costs relating to:

Investigation of an event and data recovery
Business interruptions
Fines and penalties
Extortion payments
PR and crisis management for your consultancy

How much does insurance for consultants cost?

Like many consultants, you probably want to know exactly how much it will cost to insure your consultancy business. Insurers take many factors into consideration when they calculate your premium. Because every consultancy is different, the amount you will pay for insurance will likely differ from other small business owners, even other consultants.

Insurers may consider these and other factors when determining how much your insurance premium will be:

Your industry and the nature of your business
The size and annual turnover of your business
The number of employees being covered and their qualifications
Your past history of insurance claims
The amount of cover you are seeking

A good way to understand how much you can expect to pay for consultants insurance is to compare quotes from multiple insurers. Contact BizCover to receive instant quotes for consultants insurance today.

* 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. 

BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.

Insurance For Independent Consultants

Insurance For Independent Consultants

Reviews related to Insurance For Independent Consultants

Did you Know?

Insurance for Consultants

What is covered?

What is not covered?

What is covered?

What is not covered?

Protect your business today.

How much does insurance for consultants cost?

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