Insurance broking can encompass many financial services advice. This can include insurance and risk management. Some NZ insurance brokers sell products such as marine insurance and health insurance. Others advise on employee benefits and provide premium funding loans.
We know that small business insurance customers have simple insurance needs that can be easily met. So, what should small business insurance brokers do for your business to cut through the small business insurances minefield?
Availability of Your Commercial Insurance Broker
Insurance brokers ought to be able to provide business insurance quotes quickly. Our research shows that a general insurance broker usually takes a week to provide a business contents insurance quote. We don't do slow.
Small business owners and sole traders also want their NZ insurance brokers to provide general insurance quotes at a time that suits them. Providing quotes for insurance products on a Thursday night or Saturday morning is helpful.
At Insure Online, our website produces an online insurance quote (up to three quotes) any time of the day and every day of the week.
Simple Insurance for a Business
There are over 380,000 small businesses in New Zealand that employ less than 20 people. Most of these small businesses have simple general insurance needs. But if you are a small business, what you need are cheap public liability insurance, statutory liability insurance and commercial property insurance.
Depending on your needs, you may want to consider buying business interruption insurance, employers liability insurance and natural disaster cover to protect against earthquakes and volcanic activity.
Speed and Convenience from an Insurance Broker Near Me
Most small business owners and sole traders want public liability insurances and material damage insurance quickly. They want to be able to get a quote for the best business insurance fast and easily. They also want to be able to compare public liability insurance quotes online.
It doesn’t matter if you are doing business with Christchurch insurance brokers or an insurance broker in Auckland. At Insure Online we provide online insurance quotes NZ wide in around 5 minutes.
Business Insurance Costs - Cheap Business Insurance Policy
Most importantly, owners want value for money. The product may not be cheap company insurance or the lowest business insurance cost for startup companies or home based businesses.
Business owners just want value for money and they want to understand what they are getting the best value public liability insurance NZ has to offer.
Business Insurance Rates
Brokers are paid for the work they do. Commission paid to brokers is included in the insurance premium charged to clients. Insurance brokers NZ do not have to disclose their commission to you unless you ask them. How do you know if you receive value for money when you don't know how much commission and fees they charge?
At Insure Online, we disclose our commission. We only charge a $39.95 policy transaction fee. That way you will always know how much does business insurance cost for you over any period of time. These apply to life insurance, car insurance and all other products that we provide.
Insurance Business Protection
Insurance brokers in New Zealand are required to hold professional indemnity insurance because they provide a professional service to customers. A professional indemnity insurance policy held by your business insurance brokers may provide protection if you have a dispute with them.
How to Get Business Insurance NZ Cover
Finding the right insurance for businesses is vital. The best place to start is with an insurance broker such as Insure Online. Get general liability insurance or commercial building insurance quotes online now. See how fast and easy it is to get great value business insurance rates and compare our service to the best insurance companies in New Zealand.