Business Insurance Liability

Business Insurance Liability

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Insurance Options for Retailers

... to sell products, access important documents and get on with the daily tasks of running your business. Cyber Liability insurance is designed to help protect your retail store from claims and to support your profitability ...

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How much does Public Liability Insurance cost?

... calculating the cost of your Public Liability insurance. Businesses that are considered to have a ... Liability cover which offer much more competitive premiums. It is also important to note that each insurance company ...

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What is Public Liability Insurance?

... by the court. With the right Public Liability cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free of financial risk. Phew!Most ...

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What does Public Liability Insurance Cover?

... 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. While there are ...

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Do I need Public Liability Insurance?

... provide much needed protection against unforeseen costs, such as compensation and legal fees. Without having Public Liability insurance , your business is at risk of having to pay in full damages in the event it is found ...

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Public Liability Insurance

... , 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 of the ...

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A Tradies Guide To Protecting Tools

... to protect your 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 ...

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What does Public Liability Insurance Cover?

... Injury, illness or death caused by your negligence that is not covered by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some tradies they may have to have a certain level ...

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Preparing your store for the holiday season ahead

... payment for compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is ...

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Business Insurance

... property. If you have a home-based business, things like your home and contents insurance policy may not extend to provide cover for any liabilities which may relate to your business. You should check your policy details ...

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How Cyber Insurance Protects Small Businesses

... Liability insurance is designed to protect you below. Cyber liability insurance is a type of business insurance which protects your business ... your company Who needs Cyber Liability insurance*? Cyber Liability insurance is ...

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How to Open Your Own Retail Business

... set up as, for example a sole trader or company Get a business number Arrange your tax number with the IRD Make ... than likely insist on you having Public Liability insurance . Business Insurance- * there are a variety of ...

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Business Insurance FAQs

... public liability insurance? What is Professional Indemnity Insurance? What does professional indemnity insurance cover? Do I need professional indemnity insurance? What is Business Insurance ? What is Business Insurance ...

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10 Ways To Help Protect Your Small Business

... ? An extra measure you can take is by protecting your business is with Cyber Liability insurance* . Cyber Liability Insurance protects your business against both the legal costs and expenses (including compensation ...

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Why do brilliant business ideas sometimes fail?

... Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance* It ...

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6 Reasons why some small businesses fail

... : Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance* Don ...

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How To Start A Small Business

... . 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 your ...

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Insurance for IT Professionals

... side of your business but could also take a toll on your business' reputation. Cyber Liability Insurance covers the costs ... your business today. Having the right insurance pays off A software and hardware design company ...

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Do I need Business Insurance

... back pocket. Mortgage Brokers with a home office Business Insurance is designed to provide cover for your contents and ... Hi, Just a question I am a Event production company but the only section was Event Management on your ...

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Insurance for Mortgage Brokers

... in your company. Cyber liability helps you safeguard your business against data breaches, computer hacking, and other forms of cybercrime covered under your policy. Statutory Liability Statutory liability insurance helps ...

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Insurance for Architects & Designers

... Reinforce your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management ...

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What is Business Insurance

... 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 ...

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What does business insurance cover

... 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 ...

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Insurance for Photographers

... 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, supplier or a member ...

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Understanding Employers Liability Insurance

... help keep them safe and protected. While there are many different types of insurances available to cover aspects of your business, Employers Liability insurance* is one which you may need to consider when you have a team ...

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Insurance for Consultants

... not to mention the potential irreparable damage it can cause to your business' reputation. Cyber Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and ...

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Insurance For Cafes and Restaurants

... Public Liability 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 ...

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Insurance for Accountants & Tax Agents

... ? 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 of third party accidental damage to ...

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What is Professional Indemnity Insurance?

... millions in liability if something goes wrong. Protect your business today. * As with any insurance, cover will ... This was soooo easy to sign up to, all other companies were asking me to fill out a million forms which was ...

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Insurance by Industry

... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance ... of our business insurance professionals. ...

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BizCover and Boost Your Business

... business. We have teamed up with Boost Your Business so that you don't have to do the research or the calling around to different insurance companies ... . Cyber Liability Insurance* Protects your business against the ...

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What does Professional Indemnity Insurance Cover?

... Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Turn your side hustle into a small business

... face different types of risks. This is where business insurance plays an important role in your risk management plan. Public Liability Insurance – If your side hustle business interacts with the public you may need to ...

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Cyber Liability Insurance

... Compare and buy online No hassle, no paperwork, no delays What’s covered? Cyber Liability Insurance For Your Business Almost every business is dependent on their data to operate. The moment you connect to the internet ...

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Employers Liability Insurance

... or government as to what legislations may be mandatory in your field of business. How much does Employers Liability Insurance Cost? Every business is different with it's own risks, factors and features. The most accurate ...

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Statutory Liability Insurance

... hassle, no paperwork, no delays What’s covered & what’s not? Statutory Liability Insurance For Your Business New Zealand businesses are facing increased exposure to statutory fines and penalties handed down for breaches ...

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Insurance for Engineers

... 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 sort that need ...

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Insurance for Painters

... intentional or otherwise. Defending against such claims can prove expensive. Public Liability Insurance protects your business against such claims. Business Insurance* As a painter, your tools are essential to your job ...

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Insurance for Hairdressers

... 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 customers to maintain the cash flow ...

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Retailer Insurance

... 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 some of the ...

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It's Time for an Insurance Health Check!

... levels of cover? For example, if your business 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 ...

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Insurance for Handyman

... the best public liability cover and complete peace of mind. Business Insurance* The success of your handyman business depends as ... Very easy – have been waiting for other insurance companies to contact us all day. Allan N. ...

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Help Protect your small business' reputation

... year at a cost of $257 million in 2016 alone (1). . If your business were to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal costs (which can add ...

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Cyber Insurance - Is it worth it?

... and less expensive), the threat of a cyber incident means all businesses need a security plan to protect their business and they should consider a Cyber Insurance policy as an essential part of this plan. This is general ...

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Why You Should Review Your Business Insurance

... rent). Some of the different types of Business Insurance options may include: Building * Property (Contents) * Business Interruption * Portable Equipment * Cyber Liability Insurance* - Covers you for losses from claims ...

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Take Back Your Time With These Apps

... run . At BizCover, we're big believer in saving time and that's why we offer a hassle-free business insurance experience. Jump online or give us a call to receive multiple quotes in minutes from some of New Zealand’s ...

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Diwali Customer Spotlight - Kavita's Kitchen NZ

... be stocked at the prestigious, artisan store, Moore Wilsons, in Wellington. Have you got business insurance to start your own business? “They believed in me and found my products to be delicious! The owner, David ...

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Conquering Stress and a Heavy Workload

... time management and by drawing on a range of stress-busting techniques, you can conquer stress, avoid overwork, and become even more effective and productive for your team. Protect your business with business insurance !

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Customer Spotlight: The Goat Farm

... might be looking to start their own business: “There's never been a better time. Client companies - even big ones - are more ... 't be a dick.” Get protected with business insurance . Visit their Website Like them on Facebook

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Customer Spotlight: Three Sisters Brewery

... share: “The highs will be higher and the lows will be lower, but hopefully you'll make a living doing something you are passionate about.” Get your business insurance today! Like them on Facebook Follow them on Instagram

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6 ways your business can go paperless

... and suppliers in the loop by communicating any changes that may impact the way you do business with them. Have you looked into paperless insurance? Get quick online business insurance quotes sent straight to your inbox.

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Tips On How To Better Your Business This Year

... away. They can help put you on the right path when it comes to sorting out your business insurance. A few small changes to your small business can have a big impact. It's all about working smarter, not harder, so go on ...

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7 Money Saving tips for Small Business in NZ

... can happen even to the best of us. Taking the time to get your business insurance * sorted is something that should be part of your business plan, helping you stay around for the long haul. Taking the time to understand ...

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BizCover and Massage New Zealand

... be held liable. A Professional Liability Package provides important financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance partner of Massage New ...

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BizCover and NSNZ

... (each occurrence) $250 Statutory Liability $500,000 $500 Employers Liability $500,000 $500 If you prefer to speak to somebody the old fashioned way you can contact our friendly business insurance Specialists on 0508 249 ...

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BizCover and n3

... anyone . Was waiting for a call back from another company when you guys called back right after going onto your ... how to get in touch with one of our business insurance professionals. You can also access quick links to ...

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BizCover and Reflexology NZ

... 24.05 all inclusive Public (General) Liability $1 Million $250 Alternatively, if you prefer to speak to somebody the old fashioned way you can contact our friendly business insurance Specialists on 0508 249 268 Monday to ...

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BizSave

... by Industry At BizCover we understand there is no “one size fits all” solution for small business insurance, each business is unique so we provide different cover options for over 6,000 occupations across Australia. Find ...

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Video Centre

... ins and outs of Business Insurance. Why do I need insurance for my business? How does insurance work? Important things you need to know about Liability Insurance What is Public Liability Insurance? What is Professional ...

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Introducing Work From Home Insurance

... 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 ...

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Reviews related to Business Insurance Liability

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

    Peter Digby
    Manufacturing

Independent feedback from our customers rated our service at excellent.

Get the cover that’s right for your business

With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.

Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?

What does Public Liability Insurance cover?

No matter if your business is big or small, Public Liability insurance provides peace of mind for claims for third party property damage or personal injury.

Public Liability insurance protects your business by providing compensation for property damage and personal injury or death in circumstances not covered by the Accident Compensation Commission (ACC).

The ACC looks after most of the exposure in NZ for accidental personal injury, however it doesn’t provide protection for businesses that export their products. It also doesn’t cover claims for food poisoning, an area which food and hospitality businesses need protection in.

Some examples include:

  • The costs to repair or replace damaged property- for example if you were on the job renovating a client’s home and cause damage to their property.
  • Cover for injury claims- Public Liability insurance typically provides compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs- covers the applicable legal costs related to the cost of defending your claim

What is covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

    • Injury to your employees
    • Damage to your own property
    • Compensation for personal injury whereby cover is provided by the ACC
    • Known claims and circumstances

Protect your business today.

FAQs

What is difference between Public Liability and Professional Indemnity Insurance?

Public Liability insurance protects you and your business against the financial implications if you are found liable for loss or damage to other people’s property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).

Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

How much does Public Liability Insurance cost?

There are a whole host of factors that are taken into consideration when calculating the cost of a Public Liability insurance policy.

With such a wide range of industries and occupations that require Public Liability insurance, the cost of a policy can vary considerably, determined by a number of key factors which may include:

  • Your occupation
  • The type and nature of your business activities
  • Your business turnover and size
  • The amount of insurance cover your business requires
  • Other factors that could affect the cost of your Public Liability policy include the location of your business, the inclusions and exclusions of your policy, and the insurance provider you select.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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