Affordable Public Liability Hotel Opterations
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How Plumbers Can Protect their Business with Public Liability Insurance*
... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... 4. Get multiple quotes Of course all business owners look for ways to save money, however the cheapest Public Liability cover isn't always the best option. Take the time to assess your risks and consider the appropriate ...
read moreWhat 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 moreHow much does Public Liability Insurance cost?
... you select. To give you an idea, we have put together a snapshot of how much a stand-alone Public Liability insurance policy can cost for a small business, by analysing data from BizCover policies sold over the course of ...
read moreWhat 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 moreWhat does Public Liability Insurance Cover?
... where the ACC does not provide cover Legal and defence costs When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses from the financial impact of claims made against you ...
read morePublic Liability Insurance
... no paperwork, no delays What’s covered & what’s not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much as we like to hope otherwise, accidents do happen. Regardless ...
read moreDo 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 moreUnderstanding Insurance, Part One: Public Liability Insurance
... It can also cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is ...
read moreThe difference between public liability and professional indemnity insurance
... level of professionalism. There is always the risk of an unhappy client making a claim against you. A Public Liability claim could result from Accidental damage to a third party's personal property A faulty or defective ...
read moreInsurance Options for Retailers
... a look at some of the insurances available through BizCover which can help protect your retail business. Public Liability insurance * This is one of the first insurances a retail business will typically take out to cover ...
read more6 Essential Types of Business Insurance in New Zealand
... with the legal costs associated with responding to or managing claims which are covered by the policy Your Public Liability policy does not provide protection if there is financial loss only or if the cause of the loss ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... to understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability - This protects against the financial risk of being found liable for causing damage to the property of ...
read moreKey things to look out for when Growing Your Small Business
... - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims against property damage or personal injury to a third party caused by your ...
read morePreparing your store for the holiday season ahead
... insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is, the higher the risk of being exposed to theft and shoplifting. In ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public liability may be a requirement from your landlord. Or if you take out a contract with a large organisation ...
read moreA 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 moreInsurance options to protect your cleaning business
... * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance . Public Liability insurance is designed to cover the legal fees and compensation costs if a customer, member ...
read moreTear and Share: Our customers get even with their old insurance policies
... trade, to shred their old policy. Dave, our resident tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended up ...
read moreInsurance for Shop Owners
... around for your shop insurance with us. Whether it's protection for your business assets or getting your Public Liability sorted, we've got shop insurance options that will give you peace of mind. Providing cover for all ...
read moreInsurance For Cafes and Restaurants
... insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance is designed to provide protection for you and your food business in the event ...
read moreTool and Portable Equipment Insurance
... QUOTES Multiple quotes from some of NZ's leading insurers Easy online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment ...
read moreEmployers Liability Insurance
... for someone to call you back. Insurance for Shop Owners Options to look into include: Public Liability* Public Liability Insurance* Some popular insurance options for New Zealand shop owners include: Whether you make the ...
read moreInsurance 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 moreInsurance for Mortgage Brokers
... confidence that you will be supported should a claim be made against your business. Public Liability Public liability insurance helps protect your business against claims of negligence which cause either physical injury ...
read moreInsurance for Consultants
... Management Strategic business planning Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when it comes to offering consultancy services. When ...
read moreInsurance for Architects & Designers
... need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising ...
read moreInsurance for Real Estate Agents
... real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your ...
read moreInsurance for Engineers
... to someone on your premises or where you conduct your business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some ...
read moreBusiness Insurance
... some situations where certain types and levels of cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially ...
read moreProfessional Indemnity Insurance
... and its unique insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance protects you and your business against the financial implications if you are ...
read moreInsurance for Allied Health Professionals
... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. Protect your business today. Claim example A yoga instructor hired premises ...
read moreInsurance for Accountants & Tax Agents
... visit your office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims ...
read moreBizCover and Massage New Zealand
... for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability Protects against damages arising from a claim for third party property damage or bodily injury that ...
read moreBizCover and NSNZ
... loss for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability - protects against damages arising from a claim for third party property damage or bodily injury ...
read moreBizCover and Boost Your Business
... losses or legal action taken against your business for services or advice you have provided. Public Liability Insurance* Protects you and your business from third party legal claims for property damage or personal ...
read moreBizCover and NZ Retail
... , glass and for loss of revenue due to business interruption in specified circumstances. Public Liability Insurance* Public Liability insurance** is designed to provide protection for your retail business in the event a ...
read moreBizCover and NZ Qualified Bookkeepers Association
... together with your defence costs (which can include legal costs, investigator costs and expert fees). Public Liability Public Liability insurance** is designed to provide protection for a business in the event a customer ...
read morePriceme
... . Customise your cover by picking and choosing the types of policies relevant to your business. Public Liability Insurance* Protects you and your business from third party legal claims for property damage or personal ...
read moreBizCover and n3
... financial losses or legal action taken against your business for services or advice you have provided. Public Liability protects you and your business from third-party legal claims for property damage or personal injury ...
read moreInsurance for Tradesmen
... in the event they are lost or stolen. What is the difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you if a third-party claim that your negligent business activities ...
read moreInsurance for Photographers
... and break a bone as you were directing their movements? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreBusiness Insurance FAQs
... 's designed to make insurance easy to understand. What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does ...
read moreInsurance for Personal Trainers
... for any action taken against you for a combination of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or damage caused by or arising from an tuition instruction ...
read moreBizCover & NZTA
... Legal and defence costs Claims investigation costs Court attendance costs Public relations costs What other insurance should I consider? Public Liability Insurance Protects you and your business from third party legal ...
read moreInsurance for Beauty Salons
... you are renting your beauty salon space, check if your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your stock, contents and salon equipment if it was lost ...
read moreRetailer Insurance
... you lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance* Fire, extreme weather, natural catastrophes like earthquakes and vandalism are just ...
read moreBizCover and Reflexology NZ
... , $2M in the annual aggregate $1,000 Annual: $181.99 all inclusive Monthly: $24.05 all inclusive Public (General) Liability $1 Million $250 Alternatively, if you prefer to speak to somebody the old fashioned way you can ...
read moreInsurance for Hairdressers
... . If you lease your premises, then your landlord will more than likely insist on you having public liability insurance . Protect your business today. Business Insurance* Your business assets are as critical as your ...
read moreInsurance for Plumbers
... of a plumber's association you may be required to hold a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting an expensive claim for property damage flush your business ...
read moreInsurance for Handyman
... and other features offered by each policy. BizCover is the go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A few clicks are all it takes to get the best ...
read moreInsurance for Painters
... usually cover only the insured and their employees, not subcontractors. Insurance for Painters Public Liability* Public Liability is perhaps the most important insurance option for painters to consider. It will protect ...
read moreInsurance for Cleaners
... your personal asset risk if things go pear shaped. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and ...
read moreNo Dramas
... 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 moreUnderstanding Employers Liability Insurance
... comes to business insurance, with each and every business exposed to its own unique risks. At Public Liability Insurance, we enable you to access multiple quotes to compare from selected leading New Zealand insurers, so ...
read moreWhat Photographers Need to Know About Business Insurance
... or death in circumstances that are not covered by the Accident Compensation C orporation (ACC). Public Liability insurance also covers any legal costs that you may incur while defending yourself. Professional Indemnity ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... to visit you or you 're out on the road meeting them, you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... to visit you or you 're out on the road meeting them, you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for you and your business in the event a customer ...
read moreMassage Therapy Insurance: here's why you need it!
... damage, you face the risk of legal action as result of a breach of your general liability. Public Liability insurance protects you against claims from customers or other third parties by covering any compensation awarded ...
read moreVideo Centre
... for my business? How does insurance work? Important things you need to know about Liability Insurance What is Public Liability Insurance? What is Professional Indemnity Insurance? What is underinsurance? How can I get my ...
read moreHow much does Professional Indemnity Insurance cost?
... happen! What is the average monthly cost of Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k $77.63 $500k $82.94 $750k $141.89 $1 Million $96.95 $1.5 ...
read moreInsurance by Industry
... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of occupations. You ...
read moreHow to start an online retail business in 5 steps
... of the types of business insurances you may need to consider to protect your online store: Public and Product Liability* Public Liability insurance covers legal fees and compensation costs if a customer, member of the ...
read moreHow to Open Your Own Retail Business
... activities. If you lease your premises, then your landlord will more than likely insist on you having Public Liability insurance . Business Insurance- * there are a variety of coverage options that can provide cover for ...
read moreTurn your side hustle into a small business
... – If your side hustle business interacts with the public you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as General Liability, gives you peace of mind . It is ...
read moreA Tradies Guide To Getting Your Business Insurance Sorted
... are important to consider for your business. It may be a requirement For many tradies, coverages like Public Liability insurance are often required before you even pick up your tools and start working on site, especially ...
read moreBizCover expands into New Zealand and launches BizCover.co.nz
... professional indemnity insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for ...
read moreBizCover expands its insurance offer and launches a new look
... BizCover. BizCover.com.au is already renowned for providing quick and easy online professional indemnity and public liability insurance for over 200 professions. The new website enhances this offer by giving BizCover's ...
read moreHow your tradie businesses can save time and money this EOFY
... afraid to seek advice to help make it happen. Things like your Public Liability insurance * can be sorted out online in minutes with Public Liability Australia . Receive a quote and get covered in minutes with our hassle ...
read moreThings to consider when purchasing business insurance
... with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability insurance* : is designed to provide protection for you and your business in the event a customer ...
read moreHow to Protect your Business from Breaches of the Law
... any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document. Public Liability Insurance is a trading name of BizCover Limited. BizCover Limited is owned by BizCover Pty Ltd ...
read moreWhy You Should Review Your Business Insurance
... is to understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and your business in the event a customer, supplier or ...
read moreWhy 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 more6 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 more6 Ways your small business can benefit with online marketing
... online platform offers a range of insurance options to suit your business from the basics like Public Liability * to Professional Indemnity insurance *. We also provide coverage for things like Business Insurance * and ...
read moreHow 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 more10 Ways To Help Protect Your Small Business
... unique business insurance needs. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance and more.* Our online platform takes the drama ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a ...
read moreIt'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 moreCustomer 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 moreReduce your small business operating costs with these 7 tips
... n effortless platform where you can jump online, compare quotes for all your business insurance needs like Public Liability, Professional Indemnity and Business Insurance* . We do the shopping around for you , saving you ...
read moreHow To Stay Motivated As A Small Business Owner
... businesses are faced with. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance and more.* Our online platform takes the drama ...
read moreIntroducing Work From Home Insurance
... Basic cover includes, but is not limited to:• Cost of flights to remove yourself from the situation • Hotel accommodation to relax and destress • Daily allowance during your time away • Change of legal name (if necessary ...
read moreCyber Liability Insurance
... estimated costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches ...
read moreStatutory Liability Insurance
... discharge of waste into public watercourse Protect your business today. FAQs How much does Statutory Insurance cost? There isn't a one-size fits all price when it comes to Statutory Liability insurance policies. Each and ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... after being hacked or from the theft or loss of client information. Why do I need to consider Cyber Liability insurance ? A common misconception is that hackers only go after the big fish but when it comes to attacks ...
read moreInsurance for Bookkeepers
... of the following activities: Recording, Monitoring and Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally ...
read moreInsurance for Marketing and Multimedia professionals
... Professionals Market Researchers Marketing Consultants Publisher Printers SEO Consultants Sign Writers Public Relations Consultants Professional Indemnity Insurance for Marketing and Multimedia professionals Professional ...
read moreCyber Insurance - Is it worth it?
... of dollars per year. But cyber risk is not just about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft or loss of a device. Like the Australian case of ...
read moreWhat does Professional Indemnity Insurance Cover?
... for: Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited to: ... to a disciplinary inquiry Court attendance costs Public relations costs Bodily injury or illness caused ...
read moreHow Cyber Insurance Protects Small Businesses
At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they' ... a return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ...
read moreWhat is Professional Indemnity Insurance?
... the fees actually earned for the job. Remember, a $1,000 fee contract can potentially generate millions in liability if something goes wrong. Protect your business today. * As with any insurance, cover will be subject to ...
read moreHelp Protect your small business' reputation
... the suing party, it also offers coverage for public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Employers Liability Insurance Being the director or part of a ...
read more7 Things for Accountants to Consider When Applying for Professional Indemnity Insurance
... cover: Lost Documents, Fidelity (cover for a loss due to employee's dishonesty), Public Relations Costs, Statutory Liability (cover for unintentional breaches of acts or legislation), Court Attendance Costs and Official ...
read moreHow to protect your small business from cybercrime
... insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your business against the expenses and legal costs associated with data ...
read moreCustomer Spotlight - Pirate & Queen
... the LitCrawl festival in Wellington - a festival of literature set in local bars, cafes, venues, book stores, and public spaces. It began as 14 events and has since grown to over 50 events, with 150 artists and over 5 ...
read moreProfessional Indemnity Claims: when should I notify my insurer?
... circumstances listed earlier occur, even if in doubt it means that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, even if you are at fault. Let your insurer ...
read moreUnderstanding the risks for Real Estate Agents
... outcome of the sale of property the agent must communicate it as soon as the information arises or face possible liability for any issues. For example, if the agent was aware of a plumbing issue and flooding in the lower ...
read moreReviews related to Affordable Public Liability Hotel Opterations
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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
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?
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- 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.