Small Business Insurance Made Simple
Protect your business with comprehensive public liability, professional indemnity, and cyber insurance coverage from New Zealand's leading providers. Compare quotes from multiple insurers and get covered within 24 hours.
Calculate Your Business Insurance Costs
Get indicative estimates based on your business profile. Actual premiums will vary by insurer, claims history, and risk factors.
Business Insurance Calculator
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Business Basics
Essential Small Business Insurance Types
Protect your business with the right combination of insurance coverage
Public Liability Insurance
Protects against third-party injury and property damage claims
Professional Indemnity Insurance
Covers claims for professional negligence and errors
Business Contents Insurance
Protects your business equipment, stock, and fixtures
Cyber Liability Insurance
Covers data breaches and cyber attack recovery costs
Business Interruption Insurance
Covers lost income when your business can't operate
Employer Liability Insurance
Protects against employee injury and illness claims
Pricing by Business Size
Insurance costs scale with your business size and risk profile
Sole Trader
0 employees
Small Business
1-10 employees
Medium Business
11-50 employees
Frequently Asked Questions
Common questions about small business insurance in New Zealand
What is small business insurance?
Small business insurance is a collection of insurance policies designed to protect businesses from various risks including liability claims, property damage, cyber attacks, and business interruption. It typically includes public liability, professional indemnity, and business contents insurance.
How much does small business insurance cost in New Zealand?
Small business insurance in NZ typically costs $60-800 per month depending on your business size, industry, and coverage needs. Sole traders might pay $60-150/month, while small businesses with employees typically pay $150-400/month for comprehensive coverage.
Is small business insurance compulsory in New Zealand?
While not all types are compulsory, certain businesses are legally required to have specific insurance. For example, if you have employees, you need employer liability insurance. Many professions require professional indemnity insurance, and some client contracts mandate public liability insurance.
What does small business insurance cover?
Small business insurance typically covers public liability (third-party injury/damage), professional indemnity (service errors), business contents (equipment/stock), cyber liability (data breaches), business interruption (lost income), and employer liability (employee claims).
How do I choose the right small business insurance?
Consider your industry risks, legal requirements, business size, and client contracts. Most small businesses need public liability and professional indemnity as a minimum. Use our calculator above to get personalized recommendations based on your specific business profile.
Can I bundle different types of business insurance?
Yes, most insurers offer business insurance packages that combine multiple coverage types. Bundling may reduce costs compared to buying separate policies and simplifies your insurance management with one renewal date and contact point.
What factors affect small business insurance costs?
Key factors include your industry risk level, business size (employees/revenue), location, claims history, coverage limits, and deductibles. Higher-risk industries like construction pay more, while professional services typically pay less.
How quickly can I get small business insurance coverage?
Most policies can be arranged within 24-48 hours for standard businesses. Some online platforms offer instant cover for basic policies. More complex businesses or higher-risk industries may require underwriting that takes 3-7 days.
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