All answers / Cost
How much is freelancer insurance in NZ?
Indicative $65–$145 per month for the 4 main covers a NZ freelancer typically carries, taken together. Individual covers start from around $10/month.
Indicative only — not a quote. Risk: client claim for error in deliverables, missed deadline, IP infringement, data breach. Many B2B clients now require PI + Cyber on contract.
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 | $20–$50 | $500K–$1M |
| Cyber Insurance | $20–$50 | $500K |
| Public Liability (optional) | $15–$25 | $1M |
| Equipment Cover (optional) | $10–$20 | Kit value |
What each cover is for
- Professional Indemnity: Error / omission claims from clients.
- Cyber Insurance: If you handle client data, draft contracts, or hold IP.
- Public Liability (optional): Required for some co-working spaces and client-site visits.
- Equipment Cover (optional): Laptop, camera, audio kit.
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.