Affordable Public Liability Reflexologist
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What does Public Liability Insurance Cover?
... might just happen within your business premises. Public Liability (PL) insurance is designed to provide peace of ... it easy during this tough time :). Naya C. Massage Therapy Service Made the entire process a lot less ...
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 morePublic 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 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 moreMassage Therapy Insurance: here's why you need it!
... Insurance, which meets the specific needs of massage therapists. The package includes Professional Indemnity , Public Liability , Statutory Liability and Employers Liability coverage. To obtain your exclusive member only ...
read moreA Calmer Therapy Wins BizGiver Grant
... been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are ... 2022. What are the biggest challenges your business faces? Massage therapy is an unregulated industry in New Zealand which ...
read moreBizCover and Reflexology NZ
... Public Liability Protects against damages arising from a claim for third party property damage or bodily injury that occurs as a result of business related activities. Professional Liability Package for Reflexologists ...
read moreWork Smarter as a Massage Therapist
... of businesses, dim lighting combined with a relaxed atmosphere could mean massage therapists are particularly exposed to this risk. Public Liability insurance is designed to provide protection for your business in these ...
read moreGuide To Setting Up A Massage Business At Home
... an error, it could leave you open for claims of negligence. Public Liability Insurance * is another essential type of cover that some massage therapists consider getting, especially if they are operating from home. Since ...
read moreTips and Tricks for Massage Therapists
... for the long run is to work smarter not harder. While massaging will require a bit of elbow grease, it doesn't have to ... be financially damaging to your business. Public Liability insurance is designed to cover this risk ...
read moreInsurance for Massage Therapy
... ) Intellectual property and copyright infringements Protect your business today. Public Liability* In-spa and mobile massage therapists often buy Public Liability insurance to help take some of the pressure off their ...
read moreBizCover and Massage New Zealand
... online or over the phone BizCover and Massage NZ Exclusive MNZ Liability Package Get covered online or over the ... involving a breach of professional duty Public Liability Protects against damages arising from a claim ...
read moreWhat is Professional Indemnity Insurance?
... The difference between public liability and professional indemnity insurance - Public Liability and PI ... the phone. Clear instructions and quick response. Katie S. Massage Therapy Service This was soooo easy to sign up to ...
read moreInsurance for Personal Trainers
... studio or work within a public space like a council park for example. Public Liability insurance is designed to provide ... which is important to me. Annette O. Massage Therapy Service Really good and efficient Sarah P. ...
read moreInsurance for Allied Health Professionals
... is the preferred insurance partner of Podiatry NZ, Massage NZ, Nutrition Society and Reflexology NZ. If you're a member you'll save on your Professional Indemnity & Public Liability cover with our exclusive member rates ...
read moreInsurance by Industry
... Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability ... agents will help you. IT Professionals Massage Therapist Marketing & Multimedia Professionals Mechanics Mortgage ...
read moreBusiness Insurance FAQs
... From understanding the ins and outs of your Public Liability, Professional Indemnity or Business Insurance policy our FAQ ... the efficient way to renew business Natalie B. Massage Therapy Service I love how easy it is to ...
read moreInsurance for Beauty Salons
... your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your ... and very helpful! Thank you Yvonne B. Massage Therapy Service Great service and very very easy to ...
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 moreHow 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 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 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 morePublic 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 moreHow To Protect Your Plumbing Business With Public Liability Insurance
... and business insurance can help protect your plumbing business for the long haul. What is Public Liability Insurance? Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreIs Public Liability enough for your cleaning business?
... covered by the ACC). From slips, trips and spills to knocking over your client's priceless vase, Public Liability insurance* is designed to protect cleaning businesses from a variety of risks - but not everything. There ...
read moreTradie 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 moreAn Accountants Guide to Understanding Public Liability Insurance
... for your accounting business: It provides financial protection in the event that you may be faced with a Public Liability claim. If a claim were to occur, take a moment to consider the financial impact it may have ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... business or you being out and about seeing them. This is where an element of risk may arise and Public Liability insurance may provide some peace of mind. Here are some other examples of when you may need to consider ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... visit work sites and work with contracts, it may also be a legal requirement for you to have your own Public Liability insurance policy in place, even before you pick up your tools. Make sure you also check if there is a ...
read more5 Things To Consider About Public Liability Insurance For Your Small Business
... are plenty of options in the market for small businesses to select from when it comes to purchasing your Public Liability insurance. At BizCover, we know how important time and saving a few dollars can be. That's why we ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... , and a few things to keep in mind as a business, sole trader or freelancer.. Public Liability insurance explained Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreManaging 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 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 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 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 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 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 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 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 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 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 moreComplete 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 moreTips to help you successfully market your Tradie Business
... which can protect your tools anywhere in New Zealand in the event that they are lost or stolen. Public Liability insurance is also a crucial form of cover as it protects you and your business against claims arising from ...
read moreThe Winner of BizGiver NZ is Revelation Canterbury Sports!
... her passion for assisting rangatahi and whanau and how the grant will benefit her club. Abbey has had Public Liability insurance with BizCover since February 2021. We are proud to support her and her business! Here is ...
read moreNew Plymouth Physio Pilates Wins BizGiver Grant!
... for being the most recent recipient of the BizGiver grant. Emma has had Professional Indemnity and Public Liability insurance with BizCover since she started her small business in May 2021. We are proud to support ...
read moreCounsellor Martin Sloman Wins BizGiver Competition!
... Sloman for being the latest recipient of the BizGiver New Zealand grant. Martin has Professional Indemnity and Public Liability insurance combined with BizCover, as he believes it is a great value for money policy. We ...
read moreSparking a conversation with Joachim from Noble Electrical & Lighting
... and sorted it out in no time.” After discussing his options with BizCover's customer service team, Joachim went with a Public Liability policy. “It's there to cover my ass if I'm having a bad day and make a mistake. You ...
read moreSole traders, Take Care Of Your Finances With These Tips
... know how busy you are, that's why we do the shopping around for you. Whether it's Public Liability insurance*, Portable Tool Cover* or Business Interruption cover* we offer a range of business insurance solutions for you ...
read moreHow To Get More Clients For Your Electrical Business
... for the long run is another, and something you can sorted in minutes with BizCover NZ. From Public Liability insurance to Tool Cover, we offer business insurance policies to help protect your electrical business. Get a ...
read more8 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 moreTips 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 moreHow 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 moreAnything Aluminium Wins BizGiver Grant
... . Congratulations to Lewis Trickett for being the latest recipient of the BizGiver grant. He currently has Public Liability with BizCover since he started his small business. We are proud to support Lewis and Anything ...
read moreHair 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 moreWhat it's like to be a carer in NZ's struggling disability sector
... to cover their risks,” says David. “We've been with BizCover since we started. We arranged for the Public Liability and Professional Indemnity cover and found it incredibly easy to sort out.” “I really need to commend ...
read more4 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 moreDigital 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 moreHow 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 moreHow 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 moreHow To Market Your Contracting Business In Construction
... your business, but what about protecting it? Small business insurance, including Professional Indemnity and Public Liability insurance, help shield you from accidents, lawsuits, and other events that could create trouble ...
read moreWork-life Balance Tips For Contractors With Families!
... and lawsuits. Contractors can find, compare and buy policies, such as Professional Indemnity, Public Liability, and Cyber Liability insurance, in just minutes. No complicated paperwork, no dramas! Start comparing online ...
read moreTips 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 moreAccounting Tips and Tricks For Small Business Owners
... take Professional Indemnity insurance if you provide clients with a professional service and choose a Public Liability policy if those clients frequently visit your office. Get your business insurance sorted today with ...
read moreHow 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 moreThe Benefits Of Being A Contractor Or Self-Employed
... to help you create a realistic business plan. #3: Reduce your risk with contractor insurance Public Liability insurance and Professional Indemnity insurance , and Business Insurance are some common types of contractor ...
read moreHow 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 moreHow 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 moreHow 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 moreWhy a Personalised Website for Tradies is Important
... 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 moreHow 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 moreHow 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 moreHow 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 moreDigital 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 moreTips 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 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 moreA 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 moreA 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 moreSimple Hacks to Help Grow Your Sole Trader Business
... business*. BizCover offers business insurance solutions to help different kinds of sole trader businesses from Public Liability* to Tool Cover* and protecting your bricks and mortar with Building and Contents insurance ...
read moreHow 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 moreA 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 more7 Ways Your Accounting Business Can Save Money For Clients
... , head to BizCover. We provide products like accountant's Professional Indemnity insurance* options to coverage like Public Liability* and Business Insurance*. We know how important time is, so we don't waste time with ...
read moreTop 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 morePortable Equipment Insurance, A Guide For Contractors
... At BizCover we offer business insurance solutions to help different kinds of contractor businesses from Public Liability insurance* to Professional Indemnity insurance* and protecting your bricks and mortar with Building ...
read moreHow 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 moreAn Engineers Guide To Understanding Professional Indemnity Insurance
... and dishonesty Accidental injury and property damage (these kind of claims would typically be covered by Public Liability insurance*) What may cause a Professional Indemnity claim? Even when you are meticulous about your ...
read more7 Steps to starting your own graphic design business
... to protect it, especially from unwanted claims. Designer insurance options range from policies like Public Liability insurance*, Professional Indemnity insurance* and even coverage for your business assets with Portable ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... you can leave the shopping around to us. Whether it's Portable Equipment insurance, Professional Indemnity insurance*, Public Liability insurance* or a mix of policies, at BizCover we take the hassle and stress out of ...
read moreManaging Your Business Insurance During Inflation
... the amounts that you may have in place for policies like your Professional Indemnity insurance* and Public Liability insurance*. Review the terms and conditions- It doesn't hurt to refamilarise yourself with the terms ...
read moreSaving 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 moreTradie insurance- how to get a quote quicker than a smoko
... types of cover you might consider for your tradie business: Public Liability insurance* Tool and Portable Equipment cover* Business Pack* Cyber Liability insurance* To find out more information about the different types ...
read moreScholarships
... 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 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 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 moreReviews related to Affordable Public Liability Reflexologist
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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
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.