Insurance for Professionals
Prepare for the unexpected with business insurance. Find cover for accountants, tech pros, marketers and more!
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From multiple insurers
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Buy online in minutes
Save Money
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Instant Cover
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On this page:
What is professionals insurance?
Business insurance helps professionals protect their growing business. Depending on the cover you choose, it could help manage costs like mistakes in work, property damage, and legal expenses.
Mistakes and accidents can happen no matter how careful people are.
An error in work, damage to a client’s property, a cyberattack – the potential troubles for a professional service provider never end. These situations, and plenty more could result in expensive trouble for a business.
That’s where business insurance can help, -so business owners can focus on being the pros they are.
Why might professionals need insurance?
Some businesses may be required to have business insurance to do things like:
Obtain a professional license.
Join a professional association.
Work with specific clients.
Pay legal costs if they face a liability claim.
Types of professionals we cover
BizCover has insurance options for a long list of occupations such as:
Accountants & Tax Agents
Analysing, evaluating, summarising and interpreting and individual or business’ financial situation.
Bookkeepers
Accurately recording financial transactions and preparing information for accountants.
Assisting homebuyers in finding the lender and mortgage that best suits their needs.
Marketing & Multimedia
Creating marketing strategies, advertising campaigns, and materials.
Architects & Designers
Designing buildings and spaces for businesses, individuals or the public.
Creating, installing, securing, and maintaining computer hardware, systems, and software
What does your business do?
Search for and tailor your quote to your business – compare quotes and buy online in minutes.
Types of cover we offer professionals
Unsure what types of business insurance to get? Here’s what others tend to choose:
Popular cover types:
You could also consider:
Other Covers
Business Insurance Package
Business Insurance Package
Choose cover options such as:
- Building cover
- Contents (Property) cover
- Tools & Portable Equipment cover
- Business Interruption cover
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 professional business insurance cost?
Your business is unique. That means businesses might face different risks than the professional down the street and may pay a different price for their 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
$86.49/mo*
Expected average cost
Professional Indemnity
$30.08/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.
Get cover that works with the risks of your business
Select different cover amounts for each policy 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.
Professional Indemnity
$86.49/mo*
Expected average cost small businesses to pay
Public Liability
$30.08/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.
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
5 easy steps to get instant cover online today.
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
Search your
Occupation
Choose your
Cover(s)
Enter Business
Details
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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
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.
