REBEL BUSINESS SCHOOL AOTEAROA
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Business Insurance

Scroll Down to get quotes for your business insurance
Please read the information provided

What is Business Insurance?

Business insurance protects businesses from the costs of unexpected events or disasters. It's important because major events—like a lawsuit, natural disaster, or workplace accident—can financially ruin a business.

Why is it needed?

From repairing or replacing property damaged by a covered loss to helping cover the legal costs from a lawsuit, business insurance can help your business through the unexpected. Without business insurance, you could be on the hook to pay for repairs, legal fees, replacement costs, and medical costs.

What is Professional Indemity Insurance?

When operating a business, your primary goal is to provide a positive impression to your customers. However, there may come a time when a client is dissatisfied with your service and they may incur a loss or suffer damage which arises from an act, omission or a breach of professional duty by you during the course of your business duties.
In today’s economic environment, the threat of potential claims being made against you is very real. It costs time and money to defend yourself against such claims, even if they are unfounded. The demand for compensation can be hundreds of thousands, if not more. Even if you are not found liable, the legal costs of defending yourself could seriously affect your business.
Professional Indemnity Insurance (PI) is designed to protect you and your employees by providing cover against such claims, including the costs of legal defence. Having the right PI cover offers you peace of mind, knowing you can confidently go about your work and protect your reputation should the worst happen.
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What is Public Liability Insurance?

No matter how big or small your business is, an accident can happen at any time. And sure enough by Murphy’s Law, if anything can go wrong it might just happen within your business premises.
Public Liability (PL) insurance is designed to provide peace of mind when these unforeseen incidents occur.
PL insurance protects your business by providing compensation for property damage and personal injury or death in circumstances not covered by the Accident Compensation Commission (ACC).
The ACC looks after most of the exposure in New Zealand for accidental personal injury. However, it doesn’t provide protection for all businesses. For example, it leaves out those who export products or any businesses at risk of cr food poisoning claims – an area that food and hospitality businesses need protection in.
The purpose of Public Liability insurance is to give your business protection against unwanted and unforeseen risks. While you may not be found negligent of the allegation or claim, the related legal and defence costs could be enough to potentially put you out of business for good.
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What types of Business Risk are there?

More specifically, the following examples should be considered in your business risk management assessment:
  • Hazard risks: anything in the workplace with the potential to harm people, which is not under the control of the business environment. This includes such items as hazardous materials or fallout from machinery. 
  • Physical and environmental risks: fires or explosions; anything that can damage your premises, including natural disasters such as area fires, storm damage, floods, hurricanes or tornados, earthquakes, etc. Some of these can be considered climate-related.
  • Human risks: personnel-related issues that can affect your company’s operation, such as alcohol and drug abuse, embezzlement or business fraud.
  • Technology and operational risks: anything that compromises your company’s operations, such as a power outage, cyberfraud, system failures, etc. 
  • Strategic risks: failure to respond to changes in the business environment, often the result of poor or wrong business plans and losing the competitive edge in your sector (think Blockbuster video vs Netflix).
  • Financial risks: risks taken with financial assets, including risks in pricing, currency exchange or liquidation of an asset. Customers and partners can also present financial risks in business, such as a credit risk  for example if you sell on credit terms. Business risk management can indicate how much risk your company can handle in financial relationships, including the risk of payment defaults.
Creating effective business risk management involves your entire company and is implemented through enterprise risk management.

How are Consultants different from Contractors?

Consultant
A consultant is generally referred to as an ‘experienced professional’ and will provide expert knowledge in return for a fee. They tend to work in an advisory capacity only and are usually not accountable for the outcome of a consulting exercise. Some consultants have introduced dramatic shifts in management thinking and improvements in the performance of organisations.
Contractor
​
A contractor is also an experienced professional, but one who provides a specialist service in return for a fee. Unlike a consultant, in most cases, a contractor will carry out the work. In some instances, they may also advise on what the work should be.
Contractors are used by organisations that wish to acquire a given skill set for a period of time but do not wish to employ somebody on a permanent basis. As such, a contract is for a set period only, which can be amended if both parties agree.

Arrange a preferential Quote

In collaboration with Bizcover New Zealand, we have been provided with a Partnership portal that can be accessed by clicking on the various orange quote buttons on this web page.
See below for more information on our Collaboration Partner, Bizcover, and how Rebel graduate business owners who use this portal will support the management of the Rebel Graduate Programme.
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Who have we collaborated with?

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Since 2008, BizCover has been proud to be the first online business insurance comparison sites in Australia and New Zealand – and arguably in the world.
They have gone to great lengths to simplify the process of purchasing insurance for small businesses by creating an online platform that allows you to instantly compare quotes, select and buy a policy tailored for your business, in a matter of minutes. Saving you time and money, so you can focus on what’s really important – running your business.
Bizcover offer a range of products from New Zealand’s leading insurers, including DUAL, AIG, and QBE. With the option to include Professional Indemnity, Public Liability, and Business Insurance, Bizcover will ensure you get the best cover for your business at the right price.

Is there a fee?

Yes. Much as we want it all for free there are broker and referral fees.
  • Any business insurance organised through the Bizcover Brokers and referred by Rebel Business School Aotearoa will inact a $25 fee that will go towards the management and running of the Rebel Business School Aotearoa Graduate programme.
These charges are identified within the quote / proposal accessed through the Bizcover Insurance Portal.

Disclaimer

Rebel Business School Aotearoa Ltd is not an insurance broker. In providing this access business insurance we confirm that we are not recommending the type or level of insurance required for any graduate business utilising the BizCover portal. The end decision and any research made, relative to a Rebel graduates business, is the responsibility of the Rebel graduate business owner to satisfy themselves that their insurance requirements will be met. If more  information is required, please use the contact Bizcover on the following email address: ​support@bizcover.co.nz
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Copyright © 2017-2023
  • Home
    • The Rebel Newsletter
  • ABOUT
    • Meet The Team
    • Meet The Think Tank
    • Values
    • Partners >
      • Partner FAQs
    • Testimonials
    • United Nations Sustainable Development Goals
    • Making a Difference
  • Courses
    • Rebel Online Night Class Course Feb/Mar 2023
    • Kohanga Programme
    • Join next course
    • Past Courses >
      • 2022 >
        • Rebel Online Night Class Course Nov/Dec 2022
        • Ōpōtiki Nov/Dec 2022
        • Hutt Valley Sept 2022
        • East/Central Auckland Sept 2022
        • Eastern Waikato Aug/Sep 2022
        • Whakatane July/Aug 2022
        • Kaikōura June/July 2022
        • Hawke's Bay, May/June 2022
        • Wellington, May 2022
        • South Auckland, May 2022
        • Ōtorohanga, Feb/Mar-22
      • 2021 >
        • Auckland (online), Nov/Dec 2021
        • Kawerau, Sept 2021
        • Christchurch, August 2021
        • Te Kaha, June-July 2021
        • Kāpiti Coast, June 2021
        • Taranaki, May-June 2021
        • Hawke's Bay, May 2021
        • South Auckland, March 2021
        • Waikato District, March 2021
        • Porirua, Feb/Mar 2021
        • West/Central Auckland, Feb 2021
      • 2020 >
        • Financial Compliance Nov-Dec 2020
        • Hutt Valley Aug/Sep 2020
        • Kapiti Coast Jun/Jul 2020
        • Wellington City Jun 2020
        • North Shore Feb 2020
      • 2019 >
        • South Auckland Nov-Dec 2019
        • Kapiti Coast Jun/Jul 2019
        • West Auckland Apr/May 2019
        • North Shore Mar 2019
        • Whanganui Feb 2019
        • Tolaga Bay Jan 2019
      • 2018 >
        • South Auckland Nov-Dec 2018
        • Porirua Nov 2018
        • Henderson-Massey August 2018
        • Tairawhiti-Gisborne Jun 2018
        • Kapiti Coast May 2018
        • Upper Hutt Mar 2018
        • Whanganui Feb 2018
      • 2017 >
        • Porirua Oct 2017
    • About
  • Blog
  • Coworking
  • Contact
  • Graduates
    • Longitudinal Study
    • Graduate Spotlight >
      • Graham Watson
      • Sonya Martin
      • Elena Romanova
      • Giri Prashanth & Gurjit Barry
      • Lee Barrott
      • Helen Puiri-Tuia
      • Greta Maurangi
      • Lucinda Caldwell
      • Mike Phillips
      • Josie Askin
      • Jessie Thatcher
      • Hillary Tuason
      • Kirsty Glasgow
      • Michele Passarello
      • Sianna Van den berg
      • Terence Hikawai
      • Stacey Williams
  • Graduate Sign up
    • The Locker Room
    • Graduate Section Locker Room
    • Member Account
    • Rebel Business Directory
    • Rules of engagement