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What does Public Liability Insurance Cover?

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Public Liability Insurance

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What is Public Liability Insurance?

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How Plumbers Can Protect their Business with Public Liability Insurance*

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The difference between public liability and professional indemnity insurance

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Types of small business insurance in New Zealand

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Insurance Options for Retailers

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Business Risk: What Isn't Covered and Why it Matters

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Preparing your store for the holiday season ahead

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Insurance options to protect your cleaning business

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Insurance for Consultants

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Emerging Auckland Yoga Studio Wins National Small Business Grant

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Statutory Liability Insurance

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Employers Liability Insurance

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Massage Therapy Insurance: here's why you need it!

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Why Do Marketing Consultants need Professional Indemnity Insurance?

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BizCover expands its insurance offer and launches a new look

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Business Insurance

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Insurance for Tradesmen

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Insurance by Professions

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It's Time for an Insurance Health Check!

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What do you need to know about Professional indemnity insurance?

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Insurance for Architects & Designers

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Insurance for IT Professionals

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Insurance for Painters

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Insurance for Hairdressers

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Insurance for Engineers

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Insurance for Mortgage Brokers

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Insurance for Beauty Salons

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Insurance for Personal Trainers

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Insurance for Real Estate Agents

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4 Areas You May Not Have Thought Business Insurance Covers

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Tear and Share: Our customers get even with their old insurance policies

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Things you didn't know about small business insurance

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Professional Indemnity Insurance

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How the cost of Professional Indemnity insurance is calculated

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Cyber Insurance - Is it worth it?

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Insurance for Bookkeepers

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Insurance for Recruitment Consultants

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Insurance for Immigration Advisers

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BizCover expands into New Zealand and launches BizCover.co.nz

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10 Amazing Facts About Small Businesses in New Zealand

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Help Protect your small business' reputation

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How to protect your small business from cybercrime

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Customer Spotlight: Scotchbox

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Understanding the risks for Real Estate Agents

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Tips for making a Stress-Free Claim for your business

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Introducing our newest cover option: Personal Perishables Cover

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Customer Spotlight: Mosh

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Customer Spotlight: TwoBlackLabs

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7 Ways You Can Protect Your Business and Personal Information Online

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BizGiver launch in NZ: Granting a $2000 wish this spring

Ask any small business owner about the most difficult aspect of running a business and you'll most likely get a range of answers. However, there is common one thing that ... more traditional methods of buying insurance,” said BizCover Founder and Managing ... winner will be determined by public voting via the BizCover Facebook ...

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Customer Spotlight - Pirate & Queen

Today we're looking at one of our customers who are responsible for elevating the arts and culture scene in Wellington to new heights. Directors Claire Mabey and Andrew ... events for organisations and the public. They've also put together ... , cafes, venues, book stores, and public spaces. It began as 14 ...

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Tips On How To Better Your Business This Year

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5 Money Saving tips for Small Business in NZ

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Take Back Your Time With These Apps

Time. It's something we could all do with a little bit more of, especially when you run your own business. One of the biggest skills you gain as a small business owner ... offer a hassle-free business insurance experience. Jump online or give ...

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Reviews related to affordable public liability insurance for sole traders

  • 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

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations


    Janette Wallbutton
    Real Estate

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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?