... things go a little haywire.
If you're working as a contractor or are a member of a trade association, make sure you check ... s house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed ...
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... 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 ...
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... 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 ...
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... unhappy client making a claim against you.
A Public Liability claim could result from
Accidental damage to a third ... or services to any business or individual
Contractors who work for the government or other ...
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... making mistakes and the potential for accidents to occur.
There is a lot to consider when purchasing a Public Liability policy, and the above tips are a good starting point to getting the right policy. However, as the ...
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... for some businesses. For example, the construction industry will often require subcontractors and contractors to have their Public Liability insurance cover in place before they even step on site.
*As with ...
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... 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 ...
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... employees and the amount of revenue your business turns over can have an impact on the cost of your Public Liability policy.
Unlike the 'safety in numbers' theory, the more employees you have, the more likely it is to ...
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... a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all.
If ... then you need it. For example:
Consultants/Contractors/ Tradespeople who work from home or visit ...
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... . If one considers the legal defence costs alone, these could put you out of business.
With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any ...
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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 ...
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If you work as a cleaning contractor or operate a small cleaning business, you know how important it is to have ... kinds of businesses is Public Liability insurance. Public Liability insurance is designed to ...
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... mobile phones anywhere in the world.
; Insurance for Photographers
Public Liability*
Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your ...
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... can arise from the daily operations of your retail business and that's where Public Liability insurance comes into play. Public Liability insurance is designed to provide protection for you and your business in the event ...
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... 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 ...
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... yourself against claims arising from an act, omission, or beach of duty in the course of your work. Your Public Liability policy does not provide protection if there is financial loss only or if the cause of the loss was ...
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... lass insurance before signing a lease.
; Insurance for cafés and restaurants
Public Liability*
Public Liability insurance is designed to provide protection for you and your food business ...
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... 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 ...
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... 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 ...
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... 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 ...
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...
Don't risk letting an expensive claim for property damage flush your business away by not having Public Liability insurance.
As a plumber it is a vital form of cover that protects you and your business against ...
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... 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 ...
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... 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 ...
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... 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 ...
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... , 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 ...
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... 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 ...
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... 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 ...
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... a claim as well as the potential cost of a settlement could put you out of business. The right public liability cover can defend you against compensation claims and legal costs in the event of physical injury or property ...
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... , you may have to work with contractors, staff, and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities that arise due to damage to ...
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... 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 ...
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... spilling coffee all through a clients laptop could end up costing you a couple of thousand dollars.
Public Liability insurance will protect you from any financial losses which may arise from a claim of third party ...
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... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection.
; Claim example
A yoga instructor hired premises in a busy centre to ...
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... incurred 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 ...
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... injury 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 ...
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... , glass and for loss of revenue due to business interruption in specified circumstances.
Public Liability
Public Liability insurance** is designed to provide protection for your retail business in the event a ...
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... If you lease your premises, then your landlord will more than likely insist on you having public liability insurance.
Business Insurance
Your business assets are as critical as your customers to maintain the cash ...
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... under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the ... that hire independent IT contractors insist their contractors hold PI insurance before ...
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...
Do you 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... .
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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... . 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 ...
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... 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 ...
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... 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 ...
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At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they' ... could be just as harmful.
This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ ...
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... 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 ...
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... positions being held more accountable and responsible for their actions in the workplace.
Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers ...
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... to ensure a safe working environment, and no matter how much we plan, accidents do occur.
Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee ...
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... 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 ...
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... and drivers license details of 500 on-hired contractors were stolen.
Or the Accounting firm, ... about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft or ...
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...
Market Researchers
Marketing Consultants
Website Marketing and Multimedia Professionals
Printers
Public Relations Consultants
Publishers
SEO Consultants
Sign Writers
; Professional ...
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... to employee's dishonesty),
Public Relations Costs,
Statutory Liability (cover for unintentional breaches ... cover for any liability which attaches to you arising from the actions of the contractor or subcontractor.
7 ...
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... business or an individual
If you work as a contractor for the government or another organisation which requires Professional ... costs
Inquiry attendance costs
Public relations costs
What is ...
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... services to any business or individual
Contractors who work for the government or ... variation of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the settlement ...
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... 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 ...
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... provides professional advice or services to another individual or business. It is a common requirement for contractors who work for the government or an organisation with insurance listed as a condition of the contract ...
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... regardless of how big or small it is.
Professional Liability insurance is designed to protect your business from legal claims ... libel or slander – resulting in public relations and reputation management costs
Damages ...
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... Service Agreement ) and has no express or implied liability in regards to the goods and services provided by ... be a delay in processing the debit if:- there is a public or bank holiday on the day of the debit, or any ...
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... your responsibilities and anything that doesn’t have to be carried out by you could be outsourced to contractors or delegated to trusted employees. By delegating and outsourcing, you as the boss, are learning to say ...
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... are cheap and awesome. Use social media to grow your partner and client networks. Think differently about contractors and employees. Look after people and don't be a dick.”
Visit their Website
Like them on ...
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... an entrant, as a result of participating in the Competition (including taking/use of a prize), except for any liability which cannot be excluded by law.
If this Competition is interfered with in any way or is not ...
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... e.g. placement of candidates, executive search
On-hired employee services
Incorporation contractors
Other recruitment services
Employment consulting services, for example:
occupational health & safety ...
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... disclose your information to:
our related company (located in Australia);
our representatives, agents or contractors who provide services to us or on our behalf, including legal, accounting and other professional ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... “But now the same bakers have strong self-confidence, the ability to socialise within the team and even with the public with no reservation. As a result, some of the bakers are now our top cookie cutters with the ability ...
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... “But now the same bakers have strong self-confidence, the ability to socialise within the team and even with the public with no reservation. As a result, some of the bakers are now our top cookie cutters with the ability ...
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... fancy… movie tickets, bottle of wine etc.)
ACKNOWLEDGE (Let staff know it matters. Give them kudos & make it public)
TALK (Let people know about your wins, let them be happy for you)
HANG IN THERE
One final ...
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... hear.”
Caroline is a Privacy and Security Risk professional who has over 10years experience in both the public and private sectors with previous experience which includes working for Deloitte and KPMG.
She says the ...
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... aren't able to just see everything you send.
For this same reason, if your business offers public wi-fi, you should not use it for any of your own transactions or business communications.
Firewalls, Antivirus ...
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... end of each entry period, BizCover will select the finalists, and from there the winner will be determined by public voting via the BizCover Facebook page. You can enter as many times as you desire, providing you meet ...
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... your reputation should the worst happen.
What is covered?
Damages and claimant costs awarded against you
Legal and defence costs
Claims investigation costs
Court attendance costs
Public relations costs
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... your business
A key thing to be aware of is that your personal insurance may not cover your business liabilities or property. If you work from home, your home and contents insurance policy might not cover all the ...
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... 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 ...
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BizSave on your Business Insurance
Being a small business owner can be a rewarding and challenging journey. While time and money are of the essence, you need to consider the unexpected - a possible loss or theft of ...
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Contact BizCover
We're here to help! You can speak to us online or over the phone, or alternatively please complete the form below and one of our friendly staff will respond to you as soon as possible.
Email: ...
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