Comprehensive insurance solutions for New Zealanders running businesses from home. Whether you're a freelancer, consultant, or e-commerce operator, we help protect your home business.
New Zealand has one of the highest rates of home-based businesses in the developed world, with thousands of Kiwis running businesses from their properties. Whether you're a freelance consultant in Auckland, an e-commerce seller in Christchurch, or a tradesperson operating from a home workshop in Wellington, your standard home insurance likely doesn't cover business activities.
Many home business owners are surprised to learn that their standard home contents insurance excludes business use. This means if a client visits your home office, if business equipment is stolen, or if you cause damage to a third party's property through your work, you may not be covered. The right home business insurance ensures you're protected against the unique risks of running a business from home.
Essential for any home business. Covers claims if a client, delivery person, or member of the public is injured or their property is damaged while visiting your home business premises. Even small home consultations can lead to liability claims.
Extends your home contents cover to include business equipment, office furniture, computers, and stock kept at home. Standard home insurance often excludes business equipment, leaving you exposed to significant financial loss.
Replaces lost income and covers ongoing expenses if your home business is disrupted due to a covered event like fire, flood, or natural disaster. Particularly relevant in NZ where earthquakes and weather events can damage home offices.
Essential for home businesses handling client data, online transactions, or working remotely. Covers data breach response, ransomware attacks, and cyber extortion. More relevant than ever as home networks become business networks.
Protects you if a client claims your professional advice or service caused them financial loss. Essential for consultants, accountants, lawyers, designers, and other professionals working from home.
For home-based e-commerce businesses that store, pack, and ship products. Covers stock damage or loss during transport by post, couriers, or freight forwarders.
Home business insurance costs in New Zealand vary based on the type of business, equipment value, and risk profile. Here's what you can expect:
| Business Type | Public Liability | Equipment Cover | Business Interruption |
|---|---|---|---|
| Home consultant ($10k equipment) | From $300/year | From $200/year | From $150/year |
| Home office ($25k equipment) | From $450/year | From $400/year | From $250/year |
| E-commerce ($50k stock) | From $600/year | From $800/year | From $400/year |
| Home workshop ($75k equipment) | From $800/year | From $1,200/year | From $500/year |
* These are indicative costs only. Actual premiums depend on your specific circumstances, location, claims history, and risk factors. Contact us for a tailored quote.
Our brokers understand the unique needs of home-based businesses and can find you competitive cover from NZ's top insurers.
Get a Free Quote Speak to a BrokerProtection against client injury and property damage claims
Cover for professional advice and service errors
Protect your business equipment and contents
Replace lost income during forced closures
Protect against data breaches and cyber attacks
Cover for laptops, tools, and equipment on the go
Get a free, no-obligation quote from our expert brokers who understand the unique needs of home-based businesses in New Zealand.