Business Insurance

Business Insurance FAQs

What is Business Cover?

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance policy can also cover your portable equipment, and loss of revenue due to business interruption in specified circumstances.

There are a variety of different Business Insurance options available, designed to protect the various risks that businesses face. From dog groomers to personal trainers, IT specialists and real estate agents, Business Insurance provides coverage for many different types of small businesses.

What are some of the types of Business Cover?


Building insurance covers the cost of repairing or reconstructing buildings your business owns as a result of fire and other perils. Includes protection for things like fixed signs and lettering, tanks, poles, power lines and their supports, walls, gates, fences and landscaping.

Property (Contents)

Property (Contents) insurance covers physical loss or damage to your insured contents as a result of an insured event (such as fire, storm, flood and other perils). Property/Contents can include fixtures and fittings, equipment, stock and furniture.

Business Interruption

Business Interruption insurance covers you for the loss of income and some of the increased costs of running your business as a result of interruption caused by events covered under your policy.

Portable Equipment

Portable Equipment insurance covers loss or damage to portable equipment, tools and valuable property anywhere in New Zealand.

How do I get a quote?

Click here, and then select your occupation. You'll need to answer a few quick questions about you and your business and we'll then provide you with your quotes to compare.

How long does the process take?

From the beginning through to buying your policy should take around 10 minutes.

How long are quotes valid?

Quotes are valid for 30 days. If you don't wish to purchase the insurance policy straight away, you'll be provided with a username and password, where you can retrieve your quotes at a later date. All quotes will expire after the 30 days.

Which insurance companies are quotes through BizCover?

BizCover provides quotes from a range of leading insurers. Currently we are partnered with ANDO, Dual New Zealand and AIG to offer our customers the right cover for their business, at the right price. We are always on the lookout to add new insurers to our range to ensure we continue to be the No. 1 online business insurance service.

In what currency are prices on this website quoted?

We quote in New Zealand Dollars and all transactions will be in New Zealand Dollars.

When can I start the policy?

You can commence a policy as soon as payment is made, if you are renewing a policy, the policy will commence from the renewal date.

When will I receive my policy documents?

You will receive an email with your policy documents as soon as payment has been confirmed.

What does BizCover charge for using this service?

BizCover receives a flat 15% commission from the insurer for each policy that is sold. In addition, there may be an administration charge on the policy.

Starting a quote takes seconds, get on your way to being prepared for the unexpected.

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