Current Liability Insurance
Need business insurance? Compare quotes from NZ insurers, then buy online in minutes.
How much does Public Liability Insurance cost?
... Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance ... cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option ...
read moreWhat is Public Liability Insurance?
... bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the ... risks. Fitness Professionals - Personal trainers, yoga instructors and others working in the fitness ...
read moreWhat does Public Liability Insurance Cover?
... When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses ... cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here to ...
read morePublic Liability Insurance
... Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As ... mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you ...
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 moreUnderstanding Employers Liability Insurance
... consider having this type of business insurance in place. What is Employers Liability insurance ? You may take all the ... their workplace wellbeing with things like identifying their current work process, desk set-ups etc If ...
read moreWhat are the Risks in Running a Yoga Studio?
... expose yoga studio operators to risk and where business insurance could help protect against the risks involved in being a yoga teacher who runs their own yoga studio as a small business owner. Public liability incidents ...
read moreEmerging Auckland Yoga Studio Wins National Small Business Grant
... of faith and open a studio.” “The current popularity of yoga and my conviction about how valuable these practices ... themselves in their daily lives.” The leap from yoga teacher to business owner has been an interesting one ...
read moreEmployers Liability Insurance
... their workplace wellbeing with things like identifying their current work process, desk set-ups etc If ... accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a ...
read moreRetailer Insurance
... may be liable for claims. However, with Cyber Liability insurance in place, you may be covered for legal ... Lokesh for the simple and efficient transition of insurance from current provider. Watikena E. Tour Guide Service. ...
read moreWhat is Business Insurance
... them but you won't be able to complete your current and future jobs. This could lead to loss of business ... Insurance cover and Public Liability insurance? The different kinds of coverage options that Business Insurance ...
read moreIs it time to give your retail business an insurance health check?
... it's important to ensure your insurance covers your current workforce. The risk to customers and ... 2022 BizCover Pty Limited, all rights reserved. Public Liability Insurance is a trading name of BizCover Limited. BizCover ...
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 moreManaging Your Business Insurance During Inflation
... reassess 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 ...
read moreHow Accountancy Insurance Protects Your Business
... , as well as defence costs, and fines or penalties payable following a conviction. Cyber Liability insurance : Business insurance that reduces the risks associated with cyber crime and protects your business against both ...
read moreHow To Avoid These Mistakes When Buying Business Insurance
... your own line of food products and require liability insurance options. Most businesses are going to have ... business safe for the long haul. Outgrowing your current business insurance coverage It's easy to set, forget and ...
read moreHow to Open a Yoga Studio
... new yoga studio ... yoga studio in New Zealand can enjoy peace of mind by reducing the risks to their business via business insurance such as yoga insurance. And a great way to do that is with insurance for yoga teachers ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... after being 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 comes to attacks ...
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*
... 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 are ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... , accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for ... There is a lot to consider when purchasing a Public Liability policy , and the above tips are a good starting ...
read moreWhat does Public Liability Insurance Cover?
... be thankful for in the long run. Public Liability policies will NOT cover: Injury to your employees ... covered by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some tradies ...
read moreCyber Liability Insurance
... What is Cyber Liability Insurance? Cyber liability insurance is a type of business insurance which protects ... Business Need To Consider Cyber Liability Insurance? Cyber Liability insurance is designed to help safeguard ...
read moreStatutory Liability Insurance
... Statutory Liability insurance and Public Liability insurance? Public Liability insurance is ... sorted. https://www.bizcover.co.nz/complete-guide-to-business-insurance/ 10 Ways to help protect your small business Let's ...
read morePublic Liability Insurance Explained
... are renting a business space it may be a condition of your rental agreement to have a certain level of Public Liability insurance in place If a claim were to occur, take a moment to think of the impact it could have not ...
read moreHow To Protect Your Plumbing Business With Public Liability Insurance
... hard-earned reputation. As a plumber, it may be a legal requirement to have a certain level of Public Liability insurance in place before you can step foot on certain sites. It is always important to check this and the ...
read moreCyber Liability Insurance Explained
... There isn't a one size fits all Cyber Liability insurance policy, so the actual cost will depend your ... paperwork required or messy forms to fill out. Experience insurance made easy today and see how we can help protect ...
read moreWhy businesses in New Zealand need to consider Statutory Liability insurance
... . . In far too many cases where companies have neglected to include adequate, or indeed any Statutory Liability insurance as part of their health and safety strategy, the financial blow from just a single breach of ...
read moreTradie Guide to Public Liability Insurance
... employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing the risks ... , if you have reduced your risk with Public Liability insurance, you can be in a position to recover ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... the event that you may be faced with a Public Liability claim. If a claim were to occur, take a ... If you are renting your business premises, Public Liability insurance may be a requirement of your rental agreement. ...
read moreAn Accountants Guide to Understanding Cyber Liability Insurance
... concise guide, we take a look at Cyber Liability insurance* and how it may be something to ... to helping your clients. Visit bizcover.co.nz and get insurance for contractor business without the hassles so you can get ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... damage as a result of a product defect can cost your business a lot of money, and without the appropriate Product Liability insurance you could find yourself in a spot of bother. If you operate as a sole trader, you will ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... where an element of risk may arise and Public Liability insurance may provide some peace of mind. Here are ... with no-dramas! Visit bizcover.co.nz and get insurance for your contractor business without the stress so you can ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... what exactly is Public Liability insurance? Public Liability insurance is designed to provide protection ... legal requirement for you to have your own Public Liability insurance policy in place, even before you pick up your ...
read moreA Designer's Guide To Understanding Cyber Liability Insurance
... or your company Why might designers require Cyber Liability insurance? You will already be aware of just ... a trusted and secure webpage. Get your Cyber Liability insurance sorted- having your policy in place will help ...
read moreUnderstanding Cyber Liability Insurance – A Guide For Engineers
... guide is here to break down what Cyber Liability insurance is and some tips and tricks to remember ... to be faced with. How much does a Cyber Liability insurance policy for engineers' cost? Like every engineering business, ...
read more5 Things To Consider About Public Liability Insurance For Your Small Business
... from when it comes to purchasing your Public Liability insurance. At BizCover, we know how important time ... with your policy. Visit bizcover.co.nz and get insurance for your small business without the stress so you can ...
read moreWhat Insurance Policies do Yoga Studios Need?
... expect to pay for it! Higher coverage amounts typically mean higher premiums. Keeping your yoga studio flexible Insurance for yoga teachers can help you remain calm and serene in the face of business risks. Knowing that ...
read moreBusiness Tips for Yoga Studios
... do that is to invest in business insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance quickly and easily, without the drama ...
read moreMarketing Tips for Yoga Instructors
... of your yoga classes or yoga studio you identify opportunities ... insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance ...
read moreInsurance for Yoga Teachers
... Insurance for yoga teachers ... yoga studio, you may be required to have Public Liability* coverage and show proof of insurance when you sign a lease. What Insurance do Yoga Teachers need? Insurance can help yoga teachers ...
read moreMassage Therapy Insurance: here's why you need it!
... your reputation in the case of an alleged breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best practice standard for health professionals, but rather a necessity ...
read moreWhat Photographers Need to Know About Business Insurance
... and protect your reputation should the worst happen. Business Insurance * Take the time to think about all the ... -attack is something to consider. Cyber Liability Insurance protects your business against the expense and ...
read moreInsurance options to protect your cleaning business
... $10 million and $20 million. Sole trader? Even if you are flying solo as a cleaning business, Public Liability insurance is still something you need to consider. For example , if you were working in a public space or at ...
read moreInsurance Options for Retailers
... for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a smart ... daily tasks of running your business. Cyber Liability insurance is designed to help protect your retail ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection ... you get back on your feet. Cyber Liability insurance * When you are dealing with confidential client ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... with how much you're covered for. Using Professional Liability as an example again, you could be covered ... . The point is that you need to keep your insurance as current and correct as possible so that when you need to ...
read moreThe difference between public liability and professional indemnity insurance
... client making a claim against you. A Public Liability claim could result from Accidental damage to a third ... of your service Do I really need Public Liability Insurance? If you or your employees interact with other ...
read moreHow to protect your small business from cybercrime
... Liability insurance can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability ... Inland Revenue Department provides information on current scams involving the IRD, how to ...
read moreKey things to look out for when Growing Your Small Business
... your policies. As your business grows you'll require an insurance package that is as robust as the business it protects ... , DDOS attacks and session hijacking. Cyber Liability insurance may not prevent an attack, but it ...
read moreIt's Time for an Insurance Health Check!
... 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 minimum ...
read moreHelp Protect your small business' reputation
... can, however, get some peace of mind with insurance policies designed to help protect your business if its ... to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses ...
read moreHow Cyber Insurance Protects Small Businesses
... return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ... stolen devices How to get Cyber Liability insurance? While Cyber Liability insurance won't prevent an attack, ...
read morePreparing your store for the holiday season ahead
... criminals however, are always finding new sophisticated ways to access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net against data breaches after being hacked or having your ...
read moreUnderstanding the risks for Real Estate Agents
... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ... to consider protecting your business with Cyber Liability insurance to protect you against the costs related ...
read moreCyber Insurance - Is it worth it?
... of an employee with a grudge, you may not be coveredby your Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. Make sure you have the right cover in place We ...
read more6 Essential Types of Business Insurance in New Zealand
... 's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in ... New Zealand. Employers Liability Insurance * Employers Liability Insurance protects the company and ...
read moreBizCover expands its insurance offer and launches a new look
... and buy the right professional indemnity and business insurance in a more accurate, fast and user friendly ... and easy online professional indemnity and public liability insurance for over 200 professions. The new website ...
read moreInsurance for Shop Owners
... might even sue you. That's where Cyber Liability insurance can come in handy. It is designed to ... 's why there isn't a stock-standard price of business insurance for shop owners. When calculating the price of your policy, ...
read moreInsurance For Cafes and Restaurants
... Product Liability insurance? Product Liability insurance is often included in your Public Liability insurance policy, ... . Insurance options for retailers https://www.bizcover.co.nz/insurance-options-for-retailers-bizcover/ ...
read moreDo I need Business Insurance
... to occur and you didn't have the right businesses insurances in place, your reputation could be destroyed in the blink ... why it is important to think about Cyber Liability insurance* If you own your business premises, then ...
read moreInsurance for IT Professionals
... business' reputation. Cyber Liability insurance is a type of business insurance product which protects your ... damage from the error. How do I make a claim on my insurance policy? Need to make a claim? Too easy! We're here ...
read moreInsurance for Mortgage Brokers
... Broker must have at least $1 million of cover. Insurance for Mortgage Brokers As a Mortgage Broker, you face a ... The following are not covered by Public Liability insurance: Employee injuries Damage to your own property ...
read moreInsurance for Immigration Advisers
... wording, anywhere in New Zealand. FAQs How much does insurance cost for immigration advisors? There isn't a one price ... at your place of business makes Public Liability insurance an important form of cover to protect you ...
read moreInsurance for Consultants
... also need to have a certain level of Professional Indemnity insurance in place. It is always a wise idea to ... legal defence What is not covered? While Public Liability insurance can provide you with important peace of mind, ...
read moreInsurance for Bookkeepers
... therefore we made it easy for you to arrange your business insurance - just a few clicks and one phone call, you ... property damage Protect your business today. Public Liability insurance* Whether you work from an office ( ...
read moreInsurance for Architects & Designers
... night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out ... then the short answer is yes. Public Liability insurance is an important form of cover to protect ...
read moreInsurance for Real Estate Agents
... the ACC)- this is where Public Liability insurance* can help When you're out ... insurance-part 2: Professional Indemnity insurance https://www.bizcover.co.nz/understanding-insurance-part-two-professional-indemnity-insurance ...
read moreInsurance for Engineers
... may be a requirement that you have your own Public Liability insurance* cover in place. Be sure to also check the ... receive an accurate idea of how much business insurance will cost for your civil engineering business, have ...
read moreBusiness Insurance
... where certain types and 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 ...
read moreInsurance for Allied Health Professionals
... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...
read moreInsurance for Accountants & Tax Agents
... are located can impact how much you pay for insurance. Who is being covered - Are all members of ... your business. What is typically covered? Public Liability insurance for Accountants and Tax Agents commonly covers: ...
read moreBizCover 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 ...
read moreBizCover and NSNZ
... Business Insurance at an additional cost to protect against material damage losses suffered due to an unexpected event, like fire, storm, theft, natural disasters and accidental damage. Professional Liability Package ...
read moreInsurance by Industry
... Recruitment Consultants Retailer Shop Owners Tradesmen Travel Agents and Tour Operators Yoga Teachers Protect your business today. * * As with any insurance, cover will be subject to the terms, conditions and exclusions ...
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 ... due to an insured event. Statutory Liability Insurance* Protects you and your business against the ...
read moreBizCover and NZ Retail
... potential for something to go wrong. Having the appropriate insurances in place to protect your retail store is a smart ... specified circumstances. Public Liability Insurance* Public Liability insurance** is designed to ...
read moreBizCover and NZ Qualified Bookkeepers Association
... be held liable. That's why a Professional Liability package can provide essential financial protection in ... listener. a left me with a sense of confidence in my insurance needs had been met. Marie A. Need Help? Visit our ...
read morePriceme
... t have to do the research or the calling around to different insurance companies - we've done that for you. With just a ... due to an insured event. Statutory Liability Insurance* Protects you and your business against the ...
read moreInsurance for Travel Agents and Tour Operators
... to understanding the nitty gritty of Public Liability insurance. We've got your next coffee break ... ins and outs on some of the typical kinds of business insurance and how they can help protect your business. * This ...
read moreInsurance for Photographers
... Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...
read moreBusiness Insurance FAQs
... that insurance can sometimes ... Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does professional indemnity insurance ...
read moreInsurance for Recruitment Consultants
... a premises for your business, Public Liability insurance may be required as part of your ... Professional Indemnity insurance. https://www.bizcover.co.nz/what-does-professional-indemnity-insurance-cover-business/ Take back ...
read moreInsurance for Personal Trainers
... public space like a council park for example. Public Liability insurance is designed to provide protection for you and your business ... Combined Professional Liability package Having a combined Professional Liability package ...
read moreInsurance for Marketing and Multimedia Professionals
... your business may be exposed to and how business insurance can provide the protection your business needs. Below we ... a step ahead of the game and having Public Liability insurance in place means it is one less thing you ...
read moreBizCover & NZTA
... you don't have to research, review and revise different insurance companies - we've done that for you. With a few ... due to your business operations. Cyber Liability Insurance Protects your business against the expenses ...
read moreInsurance for Beauty Salons
... damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made ... it might be good to have protection in place. Insurance for your stock, portable equipment for mobile salons, and ...
read moreBizCover and Reflexology NZ
... of your clients; we'll take care of your insurance Reflexologists are in a unique position of trust - ... considerable amount to defend yourself. A Professional Liability Package provides essential financial protection in the ...
read moreInsurance for Hairdressers
... likely insist on you having public liability insurance . What is covered? Compensation for ... history. To receive an accurate idea of how much business insurance will cost for your hairdressing business click here to get a ...
read moreInsurance for Plumbers
... damage flush your business away by not having Public Liability insurance . As a plumber it is a vital form ... 'd like to find out more on all things business insurance and some tips to help your plumbing business, these are ...
read moreInsurance for Handyman
... ranging risks in minutes. An easier way to get the right insurance cover is just to give us a call - and we ... website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A ...
read moreInsurance for Painters
... some to think about: Public Liability insurance* – Public Liability insurance for painters may be a requirement ... you would like to find out more about business insurance and some tips and tricks to boost your painting ...
read moreInsurance for Cleaners
... . Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an ... history. To receive an accurate idea of how much business insurance will cost for your cleaning business click here to get ...
read moreWhy do brilliant business ideas sometimes fail?
... insurance ... Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance ...
read moreHow your tradie businesses can save time and money this EOFY
... afraid to seek advice to help make it happen. Things like your Public Liability insurance * can be sorted out online in minutes with Public Liability Australia . Receive a quote and get covered in minutes with our hassle ...
read moreHow to start an online retail business in 5 steps
... . You may need to consider a separate business insurance policy that would cover these assets as part of ... be part of your business plan. Cyber Liability insurance safeguards you from claims and supports your ...
read more6 Reasons why some small businesses fail
... insurance can ... Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance ...
read moreThings to consider when purchasing business insurance
... to look at when figuring out the type of business insurance you need to consider to protect your business. Know your ... which are covered by the policy. Public Liability insurance* : is designed to provide protection for ...
read moreHow to Open Your Own Retail Business
... in the event they are damaged by fire, storm, theft, accidental damage or some other insured event. Cyber Liability insurance * isdesigned to help protect you from claims and support your profitability in the event of a ...
read moreHow To Start A Small Business
... your business on track. Protect your business with insurance After all that hard work to get your business ... insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability ...
read moreReviews related to Current Liability Insurance
-
Prompt, professional, ease of purchase…and competitive pricing
Viraj M.
-
I have already given feedback. Really easy and have referred several colleagues to you over the years
Judy O.
-
Quick and hassle free insurance cover for small businesses.
Kelvin C.
-
I rang several insurance brokers/company and this was the one that gave me the quickest, easiest quote without having
all my personal detail and having to wait for someone to call me back! Thanks.
Sharon
-
Easy process with reminders coming through on when to renew insurances by.
Brett S.
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.