Running a small business means making a hundred decisions before your first coffee. So, it’s no surprise that insurance usually gets left  on the “I’ll deal with it later” pile. The first step in getting covered is understanding your risks. No two small businesses look the same, so it  makes sense that no two risk profiles do either. To understand your risks, start by asking yourself a few questions about what could go  wrong: How do you use your equipment?

Where do you work? What happens if a key tool breaks? Or you damage someone else’s property while working? Asking these questions  early helps you spot risks you might not have considered.

Match your risks with the right insurance

You do not need every type of cover, instead pick n’ mix insurance to cover the risks of your business. Here are the types of insurance that  can cover common risks to Tradie businesses:

Third party injury or property damage can be covered with Public Liability insurance.
Damaged of stolen tools can be covered with Tool & Portable Equipment insurance.
Negligent or misleading advice can be covered with Professional Indemnity insurance for certain Tradie occupations.
Lost or damaged business equipment can be covered by Contents (Property) insurance.

You’ve already done the hard part – building your business. Now give it the protection it deserves. You might even save some cash – 87%  of small businesses saved when switching to BizCover*. Find out how much you could save at BizCover.co.nz.

* Customer savings survey from 2024 identifies 87% of SME’s saved when switching to BizCover.
This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as  advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. © 2026  BizCover Limited, all rights reserved.