Public Liability For Window Cleaners

Public Liability For Window Cleaners

Need business insurance? Compare quotes from NZ insurers, then buy online in minutes.

How much does Public Liability Insurance cost?

... , Tilers, Gardeners and Domestic Cleaners all came in at the lower end of the scale due to the lower perceived risk, paying under $40 per month on average for their Public Liability insurance. Here are the average ...

read more

What is Public Liability Insurance?

... any at all. If the risk to your businesses is such that you would go out of businesses should you experience a public liability claim, then you need to have it. It's as simple as that. And if you are doing business with ...

read more

What does Public Liability Insurance Cover?

... . 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 ...

read more

Public Liability Insurance

... your clients rely on you to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents ...

read more

Do I need Public Liability Insurance?

... do I need? How much does it cost? Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is an important type of cover, as it can provide protection ...

read more

What does Public Liability Insurance Cover?

... businesses from the financial impact of claims made against you. While there are many situations in which a Public Liability policy operate, these are some of the common reasons why someone may make a claim: Damage to a ...

read more

Public Liability Insurance Explained

... any at all. If the risk to your businesses is such that you would go out of businesses should you experience a public liability claim, then you need to have it. It's as simple as that. And if you are doing business with ...

read more

Tradie Guide to Public Liability Insurance

... the level of cover that is required for the jobs you want to pitch for. Can I get Public Liability Insurance for my trade business? While certain trade professions may require other types of business insurance cover as ...

read more

Managing your Public Liability risks as a tradie

... first types of insurances you may have taken out. The last thing you want to be faced with is a Public Liability claim, so we've created a guide on how to manage your risks as a tradie. Working with tools, specialised ...

read more

Insurance for Cleaners

... stay in business for the long-haul. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and your business if a ...

read more

It's Time for an Insurance Health Check!

... is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have ...

read more

Customer Spotlight: Scotchbox

... protect his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and alcohol specifically I could be responsible for issues or problems ...

read more

Why do brilliant business ideas sometimes fail?

... business. Some of the typical types of business insurance you may need to consider include: Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * ...

read more

6 Reasons why some small businesses fail

... . Some of the typical types of business insurance you may like to consider include: Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business ...

read more

How To Start A Small Business

... market. Some of the typical kinds of business insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability Start your new business journey with peace of mind knowing ...

read more

A Tradies Guide To Protecting Tools

... tools is to get your business insurance * sorted. While you may be familiar with policies like Public Liability, did you know there is insurance available specifically for your tools? Portable Equipment cover, also known ...

read more

Complete Guide to Business Insurance

... . Some of the types of business insurance coverages available include: Building/ property (Public Liability) Property (Contents) Portable Equipment (e.g. glass, electronic equipment) Business Interruption Why ...

read more

A Calmer Therapy Wins BizGiver Grant

... the latest recipient of the BizGiver NZ grant. She has been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are proud to support her small business journey! We interviewed Eileen ...

read more

8 Steps to Manage Anxiety for Psychologists

... from claims of losses as a result of actual or alleged negligent acts or omissions. You may also wish to consider Public Liability as part of your psychologist insurance, which will assist if a client or member of the ...

read more

Tips for How to Start a Carpentry Business

... . There are many carpenter insurance policies available that cover different business risks, such as: Public Liability* – Protects against third-party claims of injury or property damage. Portable Equipment* – Helps you ...

read more

How To Start Your Own Trade Business in NZ

... ' finances against common claims that tradespeople face on the job. Different policies, such as Public Liability and Business Insurance, cover tradespeople against a wide range of events. This could include accidentally ...

read more

Anything Aluminium Wins BizGiver Grant

... of the BizGiver grant. He currently has Public Liability with BizCover since he started his small ... entered as I have a big project where I could manufacture windows and get back into the manufacturing side of things on my ...

read more

Hair Salon Business Tips

... , so it's also prudent to have a safeguard in place in the form of beauty salon insurance. Public Liability insurance is an essential form of insurance for beauty salons as it provides peace of mind against claims made ...

read more

4 Tips For Starting An Online Business

... small business insurance in place can help protect your online business from a number of risks. A Public Liability policy is important for small business owners that operate and sell products online. It gives you peace ...

read more

Digital Marketing Tips For Tradies

... owners throughout New Zealand to reduce the risks to their business via business insurance * , including Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your ...

read more

How To Market Your Accounting Business Online

... throughout New Zealand to reduce the risks to their business via business insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. Visit bizcover.co.nz and get ...

read more

How To Get More Accounting Clients

... New Zealand to reduce the risks to their business via business insurance , including Professional Indemnity, Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for ...

read more

Tips To Find Your First Clients As A Contractor!

... business and work up with the protection provided by different types of policies, like Professional Indemnity and Public Liability insurance. From a potential client's point of view, it also means that you value them and ...

read more

How To Start Your Own Accounting Business

... , CPA) and to protect your business from losses from any errors and omissions that may arise. Public Liability Insurance could also benefit your business by protecting it against any financial losses that may arise from ...

read more

How Tradies can use LinkedIn

... can help tradespeople reduce their risk. Trade insurance may include: Tool and Portable Equipment insurance ; Public Liability insurance ; and Business Insurance . BizCover NZ can tailor your trade insurance to match the ...

read more

How to Increase Leads on Tradie Websites

... Zealand reduce their risk. Trade insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance BizCover NZ can customise your ...

read more

How to Optimise a Tradie Website

... may include the following types of business insurance: Tool and Portable Equipment insurance ; Business Insurance ; and Public Liability insurance . You may have a one-man tradie band, or you may have a small group of ...

read more

How to set up Google Ads for Tradies

... help tradespeople reduce their risk. Trade insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance You may have a one-man ...

read more

How Trust Can Boost Sales For Tradie Businesses

... business, your clients risk not being properly compensated for a claim. This is why disclosing your Public Liability insurance, which protects your business from such claims, builds trust and could be the difference ...

read more

How Tradies Can Use Social Media To Get Quotes

... in case something goes wrong. One of the most important types of insurance for tradies is Public Liability insurance. It provides compensation for property damage and personal injury, and death, in situations that are ...

read more

Digital Marketing Mistakes Tradies Make

... one type of tradie insurance that your customers may want to know about – Public Liability insurance. Often referred to as General Liability, it gives you - and your customers – peace of mind, protecting you and ...

read more

Tips For Following Up On Trade Quotes

... support a claim if you accidentally injure them or damage their property. Disclosing that you have Public Liability insurance, which can provide protection in both situations, may give your customers the assurance they ...

read more

A Sole Trader's Guide to Building a Website

... business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building and Contents insurance* too ...

read more

A Sole Traders Guide to Understanding SEO

... business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and protecting your bricks and mortar with Building and Contents insurance* too ...

read more

How to Grow Your Mechanic Business

... you have the appropriate levels of mechanic business insurance in place to protect your business*. From Public Liability insurance* to getting your tools covers, insurance for mechanics is there for when you need it ...

read more

A Contractors Guide to Saving Money at EOFY

... when it comes to shopping around for business insurance options, save time and swing by BizCover. From Public Liability insurance* to Tool Cover* and Business Insurance*, we provide multiple quotes in the click of mouse ...

read more

Top Digital Marketing Tips For Contractors

... BizCover can help with in the click of a button or a simple phone call. Whether it's Public Liability insurance* or protection for words of advice with Professional Indemnity insurance*, BizCover is here to help. Visit ...

read more

How To Start An Engineering Firm

... certain insurances in place before you can start working with your clients. Here are two examples: Public Liability insurance* may be required before you can visit certain work sites. If you are working with contracts ...

read more

Saving Hacks- Business Insurance For Tradies

... some time when it comes to renewal time and check your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly affected by a business' size. This is measured by factors like ...

read more

Scholarships

... Zealand's leading insurers, including DUAL, AIG, and QBE. With the option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get the best cover for your business at the right ...

read more

Insurance for Shop Owners

... 4.6/5 for Customer Experience Really happy I called you! I have received a quote for public liability and statutory liability from Rothburys, and your quote has literally saved me $1000 on that insurance over the year ...

read more

What is Business Insurance

... of staff Level of cover Claims history What's the difference between Business Insurance cover and Public Liability insurance? The different kinds of coverage options that Business Insurance offers are designed to protect ...

read more

Insurance for IT Professionals

... Rated 4.6/5 for Customer Experience I have been in touch with at least 2 brokers to get some public liability sorted for over a year so thanks for the speedy response and easy process. May N. Club Operation For The ...

read more

Insurance for Immigration Advisers

... there is a risk for things to potentially go wrong. This is where Public Liability insurance can provide peace of mind. Public Liability insurance is designed to provide protection for you and your business in the event ...

read more

Reviews related to Public Liability For Window Cleaners

  • It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me. Definitely r

    Patricia Copp
    Consultancy Occupations

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

Did you Know?

Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on the insurance policy.

Get the cover that’s right for your business

With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.

Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?

Could this happen to your business?

While we may strive for perfection, making mistakes is a part of the human condition. But since your clients rely on you to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents can happen at any time. Some of our customers can attest to that!

Here is a real-life claim example:

A landscape gardener who was working at a private residence needed to use a garden power tool to complete the required work. Whilst operating the machine he accidentally lost control of it damaging the side of his client’s house. The landscape gardener’s insurer quickly agreed that he was negligent, as the damage arose out of the operation of the insured’s business activity. They settled the claim with the homeowner’s own insurer within one week. Most importantly however, the homeowner has continued to hire the landscape gardener despite the incident as the matter was able to be settled easily and quickly due to the landscape gardener’s Public Liability cover.**

Why choose BizCover for your Public Liability Insurance?

At BizCover, our task is to make Public Liability insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your Public Liability insurance.

New Zealand’s number one online insurance company

We take more pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer.

Built for small business

We know Public Liability insurance. We also know makes small businesses tick.

We won’t confuse you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

What does Public Liability Insurance cover?

No matter if your business is big or small, Public Liability insurance provides peace of mind for claims for third party property damage or personal injury.

Public Liability 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 NZ for accidental personal injury, however it doesn’t provide protection for businesses that export their products. It also doesn’t cover claims for food poisoning, an area which food and hospitality businesses need protection in.

Some examples include:

  • The costs to repair or replace damaged property- for example if you were on the job renovating a client’s home and cause damage to their property.
  • Cover for injury claims- Public Liability insurance typically provides compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs- covers the applicable legal costs related to the cost of defending your claim

What is covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

    • Injury to your employees
    • Damage to your own property
    • Compensation for personal injury whereby cover is provided by the ACC
    • Known claims and circumstances

Protect your business today.

FAQs

What is difference between Public Liability and Professional Indemnity Insurance?

Public Liability insurance protects you and your business against the financial implications if you are found liable for loss or damage to other people’s property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).

Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

How much does Public Liability Insurance cost?

There are a whole host of factors that are taken into consideration when calculating the cost of a Public Liability insurance policy.

With such a wide range of industries and occupations that require Public Liability insurance, the cost of a policy can vary considerably, determined by a number of key factors which may include:

  • Your occupation
  • The type and nature of your business activities
  • Your business turnover and size
  • The amount of insurance cover your business requires
  • Other factors that could affect the cost of your Public Liability policy include the location of your business, the inclusions and exclusions of your policy, and the insurance provider you select.

How do I make a claim on my insurance policy?

Need to make a Public liability claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

*This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

**The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this article is general only. Coverage for claims on the policy will be determined by the insurer, not BizCover, and will depend on the specific facts and circumstances involved.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

Popular Searches