General And Product Liability Insurance

General And Product Liability Insurance

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What is Public Liability Insurance?

... 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 public liability policies also extend to Product Liability ...

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What does Public Liability Insurance Cover?

... area which food and hospitality businesses need protection in. Product Liability insurance protects your business ... Experience insurance made easy today with BizCover. * This information is a general guide only and does ...

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Insurance Options for Retailers

... (not covered by the ACC) caused by your products Some Public Liability insurance policies include cover for Product Liability cover. Money and Theft cover* Part and parcel of operating a retail store is the exchange ...

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How much does Public Liability Insurance cost?

... known as General Liability or Broadform Liability, Public Liability insurance is an essential form of cover for almost every type of business, from trades and services industries to white collar professionals and office ...

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What does Public Liability Insurance Cover?

... 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. The purpose of Public Liability insurance is to give your ...

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Do I need Public Liability Insurance?

... cover 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 any ...

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Public Liability Insurance

... Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and ... their products. It also doesn't cover claims for food poisoning, an area which food and hospitality businesses ...

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A Tradies Guide To Protecting Tools

... Public Liability, did you know there is insurance ... 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 ...

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Insurance for IT Professionals

... to claims of property damage or injury caused to others. Public and Product Liability insurance offers important cover for IT Professionals and their legal liability in the event of third party property damage, or the ...

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Insurance for Allied Health Professionals

... Reflexology Speech Therapy Traditional Therapists Weight Loss Centres Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers Allied Health Professionals for their legal ...

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Cyber Liability Insurance

... 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 which may occur after being hacked ...

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Tool and Portable Equipment Insurance

... online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment Insurance? Tool and Portable Equipment Insurance covers you for loss ...

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Employers Liability Insurance

... a safe workplace Protect your business today. FAQs What is difference between Employers Liability and Public Liability Insurance? Employers Liability insurance protects you against claims that are a result of an employee ...

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Statutory Liability Insurance

... Statutory Liability insurance policies. Each and ... 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 ...

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Business Insurance

... of cover, there may be some situations 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 ...

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Insurance for Personal Trainers

... defending allegations of professional negligence against you and not just the settlement amount. Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package Getting people into shape ...

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BizCover and NZ Qualified Bookkeepers Association

... . The information contained on this web page is general only and should not be relied upon as advice. Before deciding to purchase a new insurance policy, which is a financial product, you should read the insurer's policy ...

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How Cyber Insurance Protects Small Businesses

... Cyber Liability insurance sorted so you have one less thing to worry about. At BizCover, we understand many types of small businesses and their unique business insurance needs. Insurance products purchased through ...

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Insurance for Shop Owners

... Public Liability insurance and Glass insurance. ... 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 ...

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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

... 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 ...

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Business Insurance FAQs

... today. * * 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 ...

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Retailer Insurance

... your products, manage inventory, or access important documents. Hackers can also collect sensitive customer data and credit card details in which case you may be liable for claims. However, with Cyber Liability insurance ...

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BizCover and Reflexology NZ

... defend yourself. A Professional Liability Package provides essential financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance partner of Reflexology ...

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Insurance for Hairdressers

... for Hairdressers At BizCover, we offer an extensive range of insurance products to cover many types of risks and liabilities, meaning that you can focus on running your business without the worries of what could ...

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Insurance for Cleaners

... Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and ... (or general property) insurance can cover you for loss and damage ...

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Insurance For Cafes and Restaurants

... the tenant to have both 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 ...

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Insurance for Mortgage Brokers

... other forms of cybercrime covered under your policy. Statutory Liability Statutory liability insurance helps defend your business and your employees against specific unintended breaches of New Zealand Acts of Parliament ...

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Insurance for Consultants

... 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 if sensitive client information is stolen. Protect ...

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Insurance for Architects & Designers

... at night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking ... contractors and the general public, then the short answer is yes. Public Liability insurance is ...

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Insurance for Engineers

... and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities ... touch with one of our business insurance professionals. You can also access quick ...

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Professional Indemnity Insurance

... quotes to cover your business and its unique insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance protects you and your business against the ...

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Introducing Work From Home Insurance

... work from home insurance before your next meeting ... 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 ...

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Insurance for Accountants & Tax Agents

... from hackers or an inadvertent error with Cyber Liability insurance, which provides coverage for expenses like data and recovery costs, fines and penalties, and PR and crisis management costs. Protect your business today ...

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BizCover and Boost Your Business

... Statutory Liability Insurance* Protects you and your ... 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 ...

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BizCover and NZ Retail

... Statutory Liability* Statutory Liability** insurance protects you, your retail business and your ... general only and should not be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience Friendly and ...

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Insurance for Tradesmen

... between Public Liability and Portable Equipment insurance? Public Liability insurance covers you ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance ...

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Insurance for Photographers

... chose your own niche, interact with varied and interesting people, and flex your creative limbs. Yet whether you are ... General Liability insurance, Public Liability insurance is designed to provide protection for you and ...

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Insurance for Beauty Salons

... property damage to occur. The unfortunate reality is that accidents do happen, and damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made against you by third parties for ...

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Insurance for Plumbers

... are lost, damaged or stolen. Happy days. Employers Practices Liability* Employment Practices Liability (EPL) Insurance* is designed to help employers minimize the risk and potential cost of claims taken against them by ...

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Insurance for Handyman

... affordable and suitable public liability insurance ... 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 ...

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Insurance for Painters

... policies usually 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 ...

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Why You Should Review Your Business Insurance

... insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and ... information is usually outlined in your product disclosure statement (PDS) and can usually be accessed online through ...

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BizCover and n3

... Parliament. Employers Liability protects your ... 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 ...

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Insurance for Immigration Advisers

... 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 ... one of our business insurance professionals. You can ...

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Insurance for Bookkeepers

... the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance for a number of reasons ...

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Insurance for Real Estate Agents

... a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your liability to third parties for any property damage and or injury or death arising out of ...

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Insurance for Travel Agents and Tour Operators

... 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 ... one of our business insurance professionals. You can ...

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Insurance for Recruitment Consultants

... 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 ... one of our business insurance professionals. You can ...

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How to start an online retail business in 5 steps

... store: Public and Product Liability* Public Liability insurance covers legal fees and compensation costs if ... general property insurance covers you for loss and damage to your tools and equipment due to theft, fire and ...

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Understanding Employers Liability Insurance

... examples of where Employers Liability insurance may provide cover: Occupational stress and mental injury Nervous ... snail mail required. * This information is general only and does not take into account your objectives, ...

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What does business insurance cover

... Equipment insurance (also known as General Property insurance) covers you for loss and damage ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self-service ...

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Insurance by Industry

... is why our comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of ...

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It'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 ... your business is insurance fit for the upcoming challenges your business faces! This is general advice only.

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What is Business Insurance

... 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 ... one of our business insurance professionals. You can ...

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Do I need Business Insurance

... 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 ... one of our business insurance professionals. You can ...

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What is Professional Indemnity Insurance?

... contract can potentially generate millions in liability if something goes wrong. Protect your business today. * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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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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Reviews related to General And Product Liability Insurance

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • Great service, quick and easy to apply

    Fiona Morrison
    Retail

  • Prompt and efficient

    Helena Coolen
    Entertainment

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.

    Ness Macdonald
    Allied Health

  • Informative and timely.

    Nicola Dunham
    Allied Health

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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