BizCover is an online small business insurance platform that lets Kiwi business owners compare and purchase cover in minutes. We've aggregated ratings from Feefo and editorial sources to give you the full picture.
In This Review
What is BizCover and who's behind it?
BizCover is an online small business insurance comparison and purchase platform that allows Kiwi business owners to compare quotes from multiple insurers and buy cover in minutes. Originally founded in Australia in 2008, BizCover expanded into New Zealand in 2011 and operates its NZ arm out of Auckland.
Led by CEO Michael Gottlieb, BizCover partners with established underwriters including BHSI, AIG, DUAL, and Ando Insurance to offer a range of commercial policies. The platform covers 900+ occupations and has served over 15,000 Kiwi small businesses to date.
BizCover currently offers the following business insurance products:
BizCover operates as an aggregator and distributor - it does not underwrite policies itself. Instead, it connects business owners with quotes from its panel of insurance partners and handles the purchase process online. In 2024, BizCover received a 5-Star Business Insurance Innovator award, recognising its contribution to the NZ small business insurance market.
How customers rate BizCover across major review platforms
Note on Google Reviews: BizCover's Google rating (4.0) is based on a relatively small sample of 45 reviews. Their Feefo rating, based on 600+ verified purchase reviews, provides a more reliable picture of customer satisfaction. We weight ratings by review volume in our overall assessment. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Common themes from 600+ verified reviews on Feefo
Got professional indemnity and public liability sorted in under 10 minutes. Way easier than going through a broker for my small consultancy.
As a freelance IT contractor, finding PI cover used to be a nightmare. BizCover made it simple and I saved about $40 a month compared to my old policy.
The comparison feature is great. I could see quotes from three different insurers side by side and pick the one that suited my business best.
Renewed my BizPack online in about five minutes. No phone calls, no paperwork. The price went up slightly but still competitive.
Good for standard cover but my niche trade business needed more tailored options. Ended up going with a specialist broker instead.
Quick and easy cyber liability cover for our small marketing agency. The whole process took less than 15 minutes from quote to policy document.
Reviews are paraphrased summaries of verified customer feedback. Theme percentages are based on our analysis of the most recent 200 Feefo reviews as of March 2026.
What you can (and can't) insure with BizCover
Covers claims arising from professional negligence, errors, or omissions in the services you provide. Commonly purchased by consultants, IT professionals, accountants, and other service-based businesses.
Protects your business against claims for third-party bodily injury or property damage caused by your business activities. Essential for tradespeople, retailers, and service providers who interact with the public.
A bundled insurance package combining multiple covers into a single policy. Typically includes public liability, business assets, and business interruption cover in one convenient package.
Covers fines, penalties, and defence costs if your business is prosecuted under NZ workplace health and safety or other regulatory legislation.
Provides cover for employment-related claims beyond what ACC covers, including claims for stress, discrimination, or workplace harm not covered by the ACC scheme.
Covers costs associated with data breaches, cyber attacks, ransomware, and other digital threats. Increasingly important for businesses that handle customer data or operate online.
Covers legal costs and settlements relating to employment relationship problems, including personal grievances, unjustified dismissal claims, and disputes taken to the Employment Relations Authority.
The good and the not-so-good based on customer reviews and our analysis
How much does BizCover business insurance cost? Indicative examples based on customer reports
BizCover's pricing varies significantly by business type, size, revenue, and the cover selected. As an aggregator, BizCover presents quotes from multiple insurers, so prices will differ depending on which underwriter you choose. The following are indicative monthly premiums based on customer reports and market data:
Disclaimer: These are indicative estimates based on publicly reported customer experiences and market comparisons, not official BizCover quotes. Your actual premium will vary based on your business type, size, revenue, claims history, and the cover you select. Get an accurate quote at bizcover.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Higher-risk occupations (e.g. construction, trades) attract higher premiums than lower-risk businesses (e.g. consulting, IT).
Businesses with higher revenue generally pay more, as there is a larger exposure to potential claims.
More employees typically means higher premiums for employers liability and statutory liability cover.
A clean claims history over the past 3-5 years can significantly reduce your premiums. Recent claims may increase them.
Higher cover limits cost more. Choosing a higher excess (the amount you pay before a claim is covered) can reduce your premium.
BizCover shows quotes from multiple insurers. Prices vary between underwriters, so comparing all available options is worthwhile.
BizCover vs. other NZ business insurance providers
| Feature | BizCover | Delta Insurance | Chubb | Vero | NZI |
|---|---|---|---|---|---|
| Overall Rating | 4.2/5 600+ reviews | 4.0/5 | 4.1/5 | 3.8/5 | 3.9/5 |
| Business Model | Online aggregator | Direct insurer | Direct insurer | Broker-distributed | Broker-distributed |
| Online Quotes | Instant | Request | Request | Via broker | Via broker |
| SME Focus | Core focus | Strong | Mixed | Mixed | Mixed |
| Professional Indemnity | Available | Available | Available | Available | Available |
| Public Liability | Available | Available | Available | Available | Available |
| Cyber Liability | Available | Available | Available | Limited | Limited |
| Bespoke / Complex Risks | Limited | Strong | Strong | Strong | Strong |
| Price Range | $$ | $$$ | $$$ | $$$ | $$$ |
Disclaimer: Ratings are aggregated from Feefo, Google, and editorial sources where available. Pricing is indicative based on market comparisons and customer reports. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Other NZ business insurers worth considering, especially if BizCover doesn't fit your needs
NZ-owned specialist insurer focused on liability and professional risks. Known for tailored policies and direct relationships with business clients. A strong option for businesses that need customised cover beyond standard packages.
Global insurance giant with a strong NZ presence. Offers comprehensive commercial insurance including property, liability, and specialty lines. Well suited to medium and larger businesses with more complex needs.
One of NZ's largest commercial insurers, distributed through brokers. Part of the Suncorp Group. Offers a wide range of business insurance products. A good choice for businesses that value broker advice and support.
Part of IAG, NZ's largest general insurance group. Offers comprehensive commercial insurance through brokers. Known for strong claims handling and a broad product range across all business sizes.
BizCover suits certain businesses well, but not every situation
If you run a small business with straightforward insurance needs, BizCover's quick online comparison can save time and money versus going through a traditional broker.
Solo operators and contractors who need professional indemnity or public liability cover may find BizCover's platform fast, affordable, and well suited to their needs.
If you want to compare multiple quotes and buy cover without phone calls or broker meetings, BizCover's fully online process can have you covered in under 15 minutes.
Businesses with complex or unusual risks, large enterprises needing bespoke underwriting, those who value face-to-face broker advice, or businesses in niche industries not covered by the platform.
Compare.org.nz's editorial assessment of BizCover NZ
BizCover has carved out a solid position in the NZ small business insurance market by making the quote and purchase process significantly easier than the traditional broker model. With a 4.7/5 Feefo rating from 600+ verified reviews and coverage across 900+ occupations, the platform has earned a strong reputation among small business owners who value speed and convenience.
The tradeoffs are clear: BizCover works well for standard commercial insurance needs but is not designed for complex or bespoke risks. As a distributor, claims are handled by the underlying insurer rather than BizCover itself, which can sometimes create confusion about who to contact. For businesses with straightforward needs - professional indemnity, public liability, cyber cover, and similar products - BizCover offers a genuinely useful alternative to the traditional broker model.
Since entering the NZ market in 2011, BizCover has grown to serve over 15,000 Kiwi businesses. The 2024 Canstar 5-Star Business Insurance Innovator award reflects the platform's contribution to making business insurance more accessible in New Zealand.
Common questions about BizCover
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in March 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with your insurer and consider seeking professional advice for your specific situation. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
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