Types of business insurance in NZ explained
Learn about the main types of business insurance in New Zealand, what each cover protects against, and how to choose the right policies for your business.
Read guide →Insurance
Insurance guides for NZ tradies
Practical insurance advice for trade businesses in New Zealand.
The risks of not having business insurance in NZ (and what it really costs)
Find out what really happens when a NZ business has no insurance - realistic dollar figures, concrete examples, and the cover that fixes each risk.
Read guide →Small business insurance NZ: what cover you need and what it costs
A practical guide to small business insurance in NZ - what cover to prioritise, indicative costs for common business types, and how to keep your premiums down.
Read guide →Business insurance by profession: cover for NZ service businesses
NZ business insurance needs vary by occupation - find the cover that matters most for your profession, from mechanics and tradies to consultants.
Read guide →Mechanic business insurance NZ: cover for auto workshops and mobile mechanics
A guide to the insurance covers NZ mechanics and auto workshops need, from public liability and customer vehicle damage to tools and business interruption.
Read guide →Contractor insurance NZ: cover for independent contractors
Independent contractors in NZ carry their own risk - this guide covers the insurance you need, why clients require it, and how to get proof of cover fast.
Read guide →Tradie insurance NZ: the cover you actually need in 2026
A plain-English guide to insurance for NZ tradies - public liability, contract works, tools and more. What each cover does, when you need it, and how to buy the right policy.
Read guide →Public liability insurance NZ: what it covers and what it costs
Public liability insurance NZ guide for tradies: what it covers and excludes, whether you legally need it, how much cover to choose, and typical costs.
Read guide →Contract works insurance NZ: a tradie and builder guide
Contract works insurance NZ guide: what it covers, who pays under the building contract, new build vs renovation, and how long cover runs.
Read guide →Tool insurance NZ: cover for stolen or damaged tools
Tool insurance NZ guide for tradies: what tools of trade cover protects, the exclusions that catch people out, and how to value your kit.
Read guide →Builders insurance NZ: what cover a building business needs
Builders insurance NZ guide: the package of covers a building business needs - public liability, contract works, tools - plus how insurance differs from build guarantees.
Read guide →Professional indemnity insurance NZ: who needs it and what it covers
Professional indemnity insurance NZ guide: what PI covers for trades and consultants, who actually needs it, how it differs from public liability, and what it costs.
Read guide →Public liability insurance for sole traders NZ: do you really need it?
Public liability insurance for sole traders in NZ: why one-person trades still need cover, how sole-trader and company cover differ, and what it costs.
Read guide →Electrician insurance NZ: the cover a sparkie actually needs
Electrician insurance NZ guide: the public liability, professional indemnity, tool and vehicle cover a sparkie needs, plus the electrical-specific risks to watch.
Read guide →Plumber insurance NZ: cover for plumbers and gasfitters
Plumber insurance NZ guide: the public liability, professional indemnity, tool and vehicle cover plumbers and gasfitters need, plus water-damage and gas risks.
Read guide →Painter insurance NZ: cover for painters and decorators
Painter insurance NZ guide: the public liability, tool and vehicle cover painters and decorators need, plus overspray, property-damage and working-at-height risks.
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