Affordable Business Liability Insurance

Affordable Business Liability Insurance

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How much does Public Liability Insurance cost?

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What is Public Liability Insurance?

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What does Public Liability Insurance Cover?

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What does Public Liability Insurance Cover?

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Do I need Public Liability Insurance?

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Public Liability Insurance

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Insurance Options for Retailers

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Preparing your store for the holiday season ahead

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A Tradies Guide To Protecting Tools

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Understanding Employers Liability Insurance

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Employers Liability Insurance

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Cyber Liability Insurance

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Statutory Liability Insurance

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Business Insurance

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Do I need Business Insurance

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Insurance by Industry

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Insurance for IT Professionals

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How Cyber Insurance Protects Small Businesses

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Insurance For Cafes and Restaurants

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Insurance for Mortgage Brokers

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Insurance for Architects & Designers

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Insurance for Accountants & Tax Agents

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BizCover and Boost Your Business

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Business Insurance FAQs

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Insurance for Handyman

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Help Protect your small business' reputation

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Cyber Insurance - Is it worth it?

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Insurance for Engineers

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Insurance for Photographers

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Insurance for Personal Trainers

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Insurance for Hairdressers

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Insurance for Painters

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Insurance for Shop Owners

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Insurance for Consultants

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Professional Indemnity Insurance

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Insurance for Allied Health Professionals

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Insurance for Tradesmen

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Insurance for Beauty Salons

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Retailer Insurance

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Insurance for Plumbers

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Insurance for Cleaners

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How To Start A Small Business

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10 Ways To Help Protect Your Small Business

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Turn your side hustle into a small business

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It's Time for an Insurance Health Check!

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Why You Should Review Your Business Insurance

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What is Professional Indemnity Insurance?

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What does Professional Indemnity Insurance Cover?

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What is Business Insurance

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What does business insurance cover

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Introducing Work From Home Insurance

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Tool and Portable Equipment Insurance

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Insurance for Immigration Advisers

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Insurance for Bookkeepers

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Insurance for Real Estate Agents

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Insurance for Travel Agents and Tour Operators

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Insurance for Recruitment Consultants

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Tips On How To Better Your Business This Year

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7 Money Saving tips for Small Business in NZ

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Reviews related to Affordable Business Liability Insurance

  • 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

  • Would prefer payment methods other than credit card. Being able to pay direct from my business bank account using Poli or other system would make life easier.

    John Cleveland
    Information Technology

  • Its been very easy to re-instate my isurance for the next 12 months. I do not really have any additional comments to make because i have not been provided any special service. I would definitely do business with you again

    Sharon Williams
    Information Technology

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    Janette Wallbutton
    Real Estate

Independent feedback from our customers rated our service at excellent.

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?

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.

* * 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.

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. 

 

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