All answers / Cost
How much is bookkeeper insurance in NZ?
Indicative $80–$165 per month for the 4 main covers a NZ bookkeeper typically carries, taken together. Individual covers start from around $15/month.
Indicative only — not a quote. Risk: client financial loss from filing errors, IRD penalty exposure, BEC fraud on payment authorisations. Cyber is now a NZ-essential.
Indicative cost by cover
The combined figure above adds the low and high of the 4 rows below that carry a monthly price. Figures are indicative, not quotes.
| Cover | Indicative / month | Typical limit |
|---|---|---|
| Professional Indemnity | $25–$50 | $500K–$1M |
| Cyber Insurance | $25–$60 | $500K |
| Public Liability (optional) | $15–$25 | $1M |
| Business Contents | $15–$30 | Kit value |
What each cover is for
- Professional Indemnity: Errors in GST returns, payroll, BAS, financial reports.
- Cyber Insurance: Privacy Act 2020 + BEC risk on payment instructions.
- Public Liability (optional): Required if you visit client premises or attend networking events.
- Business Contents: Home-based bookkeepers — home contents does not cover business equipment.
Is this a quote?
No. Every figure on this page is an indicative range published to help you budget. SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. Business-insurance enquiries are referred to Blanket Advice Limited (FSP1004126), a separately licensed FAP, who provide the regulated advice and place the cover. Your premium is set by the insurer once your business is assessed.
Indicative figures last reviewed 21 September 2026.