Getting business insurance? There's no easier way than going online. – Stuff

From cyber-attacks and lawsuits, to supply chain issues and stolen inventory, the risks of running a small business should not be underestimated – and while some risks can be managed through day-to-day processes, others are open to chance with the potential for major disruption.
Having the right insurance for your business needs is critical. It helps protect your business, customers and income, and helps to provide an all-important financial safeguard. But all too often, getting it sorted or even reviewing current cover is way down the priority list. Why? Many small business owners are time-poor, juggling multiple hats to keep things humming.
Not surprisingly, figuring out where to go for quotes, comparing prices and wading through complex paperwork is not top of mind during a busy week at the coalface! Then there’s the cost. Get an overwhelming quote and you might end up paying higher-than-average premiums or abandoning the idea altogether.
Finding the best small business insurance can be challenging. But now, thanks to online platform BizCover, getting the protection you need at a price you can afford couldn’t be easier. Kiss goodbye to tiresome paperwork and waiting for quotes – with BizCover you can compare costs and get covered online in minutes and have your policy documents delivered straight to your inbox. As BizCover’s head of distribution Sean Craigen explains, it’s the hassle-free way for SMEs to get their insurance.
"BizCover is designed to make business insurance easy, saving you time and money so you can focus on what’s really important – running your business," says Craigen.
"We’ve gone to great lengths to simplify the process by creating an industry leading online platform where you can instantly compare quotes and select the right policy for your business. We offer a range of products from some of New Zealand’s leading insurers, including AIG, Ando and DUAL. Having all of this on one platform ensures you get a broader picture when looking for a quote."
Already the insurance platform of choice for SMEs across the ditch, now a growing number of Kiwi businesses are turning to BizCover to help them save on their insurance. Earlier this month Chris, an electrician, saved $300** on his Public Liability insurance by swapping to BizCover, and accountant Yvonne saved a whopping $1600** on her combined Professional Indemnity, Public Liability and Statutory Liability insurance. Meanwhile last month, BizCover saved Zumba instructor Abby $600** on her Professional Indemnity and Public Liability insurance.
With options for over 1000 different occupations (from retail and trades to Allied Health and IT), it doesn’t matter if you’re an electrician or an accountant, a sole trader or have 20-plus employees, BizCover is your one-stop business insurance shop. And with customer care support every step of the way and an easy-to-use self-service portal, managing your insurance is a cinch. After all, life is already dramatic. Business insurance doesn’t have to be.
Employer Liability insurance, Public Liability insurance, Professional Indemnity insurance and a Business Insurance Pack (Building, Business Interruption, Property, Portable Equipment and Cyber liability) are among the BizCover offerings, and there are two combined Professional Indemnity/Public Liability policies for IT and Allied Health. But just how much cover should small businesses be looking for?
"You don’t necessarily need to get cover for all the risks your business faces, but it may be wise to look to cover those you couldn’t afford to cover yourself. A simple slip and trip on your premises for example could end up costing tens of thousands of dollars.
It’s important to remember that reviewing your insurance needs regularly is almost as important as purchasing it in the first instance.
"Insurance can often be forgotten as you expand your business – but neglecting a review of your business insurance could leave you in a world of drama. If your circumstances have changed, if you’ve purchased new business equipment or if your business has grown, now is the time to review your policy."
Keen to learn more? Compare multiple quotes and find out how much you could save at
*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. © 2022 BizCover Pty Limited, BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)
**Savings made in Sept-Oct 2022. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
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