Contracting Public Liability Insurance
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How much does Public Liability Insurance cost?
... for Public Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance is ... based industries. For example, an electrical contracting business with 10 employees, each visiting ...
read moreWhat does Public Liability Insurance Cover?
... just happen within your business premises. Public Liability (PL) insurance is designed to provide peace of mind ... consider the following factors: Do any of your contracts require a minimum level of cover? Has your industry ...
read moreDo I need Public Liability Insurance?
... on the go and a mix of permanent and contracted staff would typically be paying more for Public Liability insurance than a home-based accounting firm. Is Public Liability insurance a legal requirement? While not a legal ...
read morePublic Liability Insurance
... not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much ... , consider the following factors: Do any of your contracts require a minimum level of cover? Has your industry ...
read moreWhat is Public Liability Insurance?
... insurers, then buy online in minutes. Do I need Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and your business against the financial implications if ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
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read moreUnderstanding Insurance, Part One: Public Liability Insurance
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read moreA Contractors Guide To Understanding Public Liability Insurance
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read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
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read morePublic Liability Insurance Explained
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read moreWhat does Public Liability Insurance Cover?
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read more5 Things To Consider About Public Liability Insurance For Your Small Business
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read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
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read moreThe difference between public liability and professional indemnity insurance
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read moreHow To Market Your Contracting Business In Construction
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read morePortable Equipment Insurance, A Guide For Contractors
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read moreIt's Time for an Insurance Health Check!
... 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 minimum levels to meet)? Does your landlord ...
read moreThings to consider when purchasing business insurance
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read moreBusiness Insurance
... levels of cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain contracts, especially within the government sector. This is ...
read moreHow much does Professional Indemnity Insurance cost?
... some types of occupations The size of the contracts you accept - think of how much you ... monthly cost of Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
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read moreA Contractors Guide To Understanding Product Liability Insurance
... and what it is designed to protect contracting business' from. What is Product Liability insurance? Product Liability insurance is often sold as part of a Public Liability insurance* policy. It's important to check your ...
read moreInsurance for Allied Health Professionals
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read moreInsurance options to protect your cleaning business
... they need to have. This is typical in corporate and government contracts. BizCover has four levels of cover to select from for Public Liability insurance – $1 million, $5million, $10 million and $20 million. Sole trader ...
read moreInsurance for Marketing and Multimedia Professionals
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read moreInsurance for Engineers
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read moreInsurance for Bookkeepers
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read moreInsurance for Travel Agents and Tour Operators
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read more6 Essential Types of Business Insurance in New Zealand
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read moreInsurance for Consultants
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read moreCyber Insurance - Is it worth it?
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read moreInsurance for Contractors
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read moreInsurance for IT Professionals
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read moreWhat is Professional Indemnity Insurance?
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read moreIs Public Liability enough for your cleaning business?
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read moreManaging your Public Liability risks as a tradie
... Is the potential cost of claim higher because of the size of the jobs you are now working on? If Public Liability insurance has been on your mind, whether you are a seasoned Jack (or Jill) of all trades, or brand new to ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
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read moreHow To Protect Your Plumbing Business With Public Liability Insurance
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read moreTradie Guide to Public Liability Insurance
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read moreAn Accountants Guide to Understanding Public Liability Insurance
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read more4 Areas You May Not Have Thought Business Insurance Covers
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read moreCustomer Spotlight: Scotchbox
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read moreReduce your small business operating costs with these 7 tips
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read moreA Tradies Guide To Protecting Tools
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read moreComplete Guide to Business Insurance
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read moreTips to help you successfully market your Tradie Business
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read moreThe Winner of BizGiver NZ is Revelation Canterbury Sports!
... 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 her ...
read moreNew Plymouth Physio Pilates Wins BizGiver Grant!
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read moreCounsellor Martin Sloman Wins BizGiver Competition!
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read moreSparking a conversation with Joachim from Noble Electrical & Lighting
... with BizCover's customer service team, Joachim went with a Public Liability policy. “It's there to cover my ass if ... end of the day. It also means getting the right insurance, so I don't have to worry about a mistake at ...
read moreSole traders, Take Care Of Your Finances With These Tips
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read moreHow To Get More Clients For Your Electrical Business
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read moreA Calmer Therapy Wins BizGiver Grant
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read moreTips for How to Start a Carpentry Business
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read moreHow To Start Your Own Trade Business in NZ
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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 moreWhat it's like to be a carer in NZ's struggling disability sector
... small business alleviate one problem - getting business insurance. David Spragg (left) next to Brendan Fry ... since we started. We arranged for the Public Liability and Professional Indemnity cover and found it incredibly ...
read more4 Tips For Starting An Online Business
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read moreDigital Marketing Tips For Tradies
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read moreHow To Market Your Accounting Business Online
... insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow To Get More Accounting Clients
... insurance , including Professional Indemnity, Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ... upon as advice. As with any insurance, cover will be subject to the ...
read moreAccounting Tips and Tricks For Small Business Owners
... your cash flow could minimise the chances of losing contracts, business closure, or expensive debts. Log your ... Indemnity insurance if you provide clients with a professional service and choose a Public Liability policy ...
read moreHow To Start Your Own Accounting Business
... contact you or view your offers. Get Business Insurance As an accountant, you may encounter an error ... any errors and omissions that may arise. Public Liability Insurance could also benefit your business by protecting ...
read moreHow Tradies can use LinkedIn
... , don't forget the important role that business insurance can play for the future of your trade business ... insurance may include: Tool and Portable Equipment insurance ; Public Liability insurance ; and Business Insurance ...
read moreHow to Increase Leads on Tradie Websites
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read moreHow to Optimise a Tradie Website
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... all key information, including contract details, in one place ... insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance ...
read moreHow to set up Google Ads for Tradies
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read moreHow Trust Can Boost Sales For Tradie Businesses
... , 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 between ...
read moreHow Tradies Can Use Social Media To Get Quotes
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read moreTips For Following Up On Trade Quotes
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read moreA Sole Trader's Guide to Building a Website
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read moreA Sole Traders Guide to Understanding SEO
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read moreSimple Hacks to Help Grow Your Sole Trader Business
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read moreHow to Grow Your Mechanic Business
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read moreA Contractors Guide to Saving Money at EOFY
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read more7 Ways Your Accounting Business Can Save Money For Clients
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read moreHow To Start An Engineering Firm
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read more7 Steps to starting your own graphic design business
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read moreA Designers Guide To Understanding Portable Equipment Insurance
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read moreManaging Your Business Insurance During Inflation
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read moreSaving Hacks- Business Insurance For Tradies
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read moreScholarships
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read moreBusiness Risk: What Isn't Covered and Why it Matters
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read moreKey things to look out for when Growing Your Small Business
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read morePreparing 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 ...
read moreBizCover expands into New Zealand and launches BizCover.co.nz
... New Zealand professional insurance market is ... insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...
read moreBizCover expands its insurance offer and launches a new look
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read moreWhat is Business Insurance
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read moreInsurance by Industry
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read moreBizCover and Boost Your Business
... t have to do the research or the calling around to different insurance companies - we've done that for you. With just a few ... services or advice you have provided. Public Liability Insurance* Protects you and your business ...
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read moreReviews related to Contracting Public Liability Insurance
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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.