Business insurance · New Zealand · Head-to-head

AMI Business vs BizCover (NZ)

Two New Zealand business insurance options, compared side by side for New Zealand trades.

Which should you choose?

AMI Business and BizCover (NZ) are closely matched (both Tier A) for New Zealand business insurance. The right choice comes down to fit: weigh the pros, cons, pricing, and New Zealand-specific notes for each against your trade and region.

AMI Business

Tier A · Workable

NZ IAG retail brand — Tradies Bundle accessible direct online

AMI is IAG's NZ retail brand — same parent as NZI but more consumer-facing. Tradies Bundle is direct-online quoting accessible for solo and small NZ trades. Lower pricing than NZI broker-distributed for simple cases.

Pros

+ Direct-online quoting accessible
+ IAG parent provides institutional stability
+ Accessible pricing for solo/small tradies
+ Clear product bundling

Cons

− Less coverage depth than broker-distributed Vero
− Best fit for simple cases
− Limited complex/specialty options

New Zealand note

Direct-online accessibility makes AMI a quick-quote option vs broker-distributed alternatives.

Typical New Zealand pricing: Online-quoted, varies by trade

Full review → Visit →

BizCover (NZ)

Tier A · Workable

Online SME insurance comparison — instantly compare and buy tradie cover

An online small-business insurance comparison-and-buy platform (not a direct underwriter) working with a panel of NZ insurers, covering around 900 occupations including trades. Tradies instantly compare and buy public/product liability, professional indemnity and general liability online. It markets an explicit "Tradie Insurance NZ" product.

Pros

+ Transparent indicative pricing (public liability "~$30/mo on average")
+ Fully online instant quote/compare/buy, cancel anytime
+ 6 cover levels ($1m–$20m)
+ Established (since 2008), 18,000+ NZ SME customers

Cons

− Comparison platform/broker, not a direct insurer
− Generalist — less trades-depth than BuiltIn
− Australian-HQ group (not NZ-owned)
− Self-serve = lighter advisory for complex risks

New Zealand note

Dedicated .co.nz with an NZ insurer panel and 18,000+ NZ customers and an NZ-tailored "Tradie Insurance NZ" product — but an Australian-founded group.

Typical New Zealand pricing: From ~NZ$30/mo average for public liability ("guide only"); cover $1m–$20m

Full review → Visit →

More New Zealand options

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