BizCover and Smart Loyalty

BizCover is proud to be the preferred business insurance partner of Smart Loyalty, facilitators of the following rewards programmes:
SmartTrade Rewards, GetGenuine GetRewards, Hirepool Rewards, Metro Rewards, Honda Rewards.

Exclusive Discount

for Retail NZ members

Broad Coverage

for your industry

Immediate Cover

No paperwork

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Broad Coverage

for your industry

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Get business cover and earn points!

As part of our partnership, Smart Loyalty members can earn 5 points for every $1 spent
on the base premium price of any new business insurance policy.

Simply enter SMARTLOYALTY5 in the ‘promo code’ field of the quotes page (payment section)
to take advantage of this great offer.

Earn Smart Loyalty points:

5 points for every $1 spent

on the base premium price of any new business insurance policy.

Compare and save on biz cover

At BizCover we’re all about supporting small businesses, whether it’s helping them get a better insurance deal or supporting with a claim. No policy is too small for us, we’ll go the extra mile for every customer.

Since 2008 we were the first online small business insurance comparison and buy site in Australia and New Zealand. Our mission was to make buying business insurance easy, going to great lengths to simplify the process. By creating an online platform that allows you to instantly compare quotes from multiple insurers, select, and buy policies tailored for your business in a matter of minutes. Saving you time and money, so you can focus on what’s important – running your business.

Shop around for business insurance

Compare multiple cover types and insurer quotes in one go!

Save time and hassle by buying online in minutes

Get Quotes

Types of cover we offer small businesses

BizCover has insurance options for tradies, retailers, professionals, and many more.  Tailor your quote to your business, compare cover, and buy online in minutes.

For accidents and faults

A slip, trip, or bad advice could turn into a financial nightmare if your business isn’t protected.

Public Liability Insurance

Covers legal fees and repair costs if you accidently cause:

Damage to someone else’s property
Injury to a client or member of the public (not covered by ACC)

Professional Indemnity Insurance

Covers costs of claims from a customer alleging you:

Made a miscalculation
Lost documentation
Failed to meet a deadline
Gave incorrect advice

For an all-in-one package

Pick-n-mix and tailor your BizPack to fit the needs of your business.

Business Insurance Package

Choose cover options such as:

Building cover
Contents (Property) cover
Tools & Portable Equipment cover
Business Interruption cover

For your tools and business assets

Could you operate if your tools and stock were stolen or damaged?

Tool Insurance

Covers costs of repairing or replacing your portable tools, equipment, stock against:

Theft
Fire
Accidental or malicious damage

Building Insurance

Covers the building you own and operate out of for repair or rebuild costs caused by:

Storm damage
Fire
Malicious damage

Contents (Property) Insurance

Covers the money, equipment, stock, and glass you keep in your building against:

Storm damage
Fire
Theft or break-in damage

For when your business gets interrupted

What would you do if your business couldn’t operate as expected while waiting for repairs, replacements, or during legal proceedings?

Business Interruption Insurance

Covers loss of income or increase in operation costs when your biz is impacted by events like:

Property damage
Fire
Storm damage

For other legal things

As a business owner you have many legal responsibilities, like protecting your client’s data, complying with business law, keeping your employees safe.

Cyber Liability Insurance

Covers your business from legal costs and expenses caused by cyber incidents such as:

Data breaches
Extortion
Forensic investigation
Business interruption

Employers Liability Insurance

Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:

Legal and defence
Compensation costs

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:

Legal and defence costs
Fines and penalties

Cyber Liability Insurance

Covers your business from legal costs and expenses caused by cyber incidents such as:

Data breaches
Extortion
Forensic investigation
Business interruption

Employers Liability Insurance

Covers you against claims related to employee workplace injuries (when not covered by ACC) including costs such as:

Legal and defence
Compensation costs

Statutory Liability Insurance

Covers you for an unintentional breach of key NZ business legislation, including:

Legal and defence costs
Fines and penalties

Business Interruption Insurance

Covers loss of income or increase in operation costs when your biz is impacted by events like:

Property damage
Fire
Storm damage

Other Covers

Get Quotes

*Eligible members of a Smart Loyalty Rewards Programme can earn 5 reward points for every dollar spent on the base premium of any new insurance policy purchased through BizCover. Points will be credited to the member’s account once the connection with Smart Loyalty is confirmed. Points are issued within the first week of the month after the connection is confirmed. Points are non-transferable, non-exchangeable and cannot be redeemed for cash. Standard Smart Loyalty programme terms and conditions apply. SmartTrade Rewards T&C’s, GetGenuine GetRewards T&C’s, Hirepool Rewards T&C’s, Metro Rewards T&C’s, Honda Rewards T&C’s.