Business insurance for / Bookkeeper / Wellington

Bookkeeper Insurance Wellington

Indicative figures last reviewed 21 September 2026.

Professional indemnity and cyber cover for NZ bookkeepers — sole traders to small practices.

The cover stack for a Wellington bookkeeper

Indicative monthly cost and typical cover limit by product. Prices shown are indicative.

Limit: $500K–$1MCost: $25–$50

Errors in GST returns, payroll, BAS, financial reports.

Limit: $500KCost: $25–$60

Privacy Act 2020 + BEC risk on payment instructions.

Limit: $1MCost: $15–$25

Required if you visit client premises or attend networking events.

Limit: Kit valueCost: $15–$30

Home-based bookkeepers — home contents does not cover business equipment.

Wellington central + Lambton Quay leases typically require $2M+ PL. Government-contract work needs $5M+.

Risk: client financial loss from filing errors, IRD penalty exposure, BEC fraud on payment authorisations. Cyber is now a NZ-essential.

Compare quotes through Evolve Group Limited (FSP711891). Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126).