General And Product Liability Insurance

General And Product Liability Insurance

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What is Public Liability Insurance?

... damage or injury. Product Liability insurance covers you if any ... Liability insurance can provide. These include: Tradesmen and Contractors - Such as plumbers, electricians, carpenters and woodworkers, general handymen, and ...

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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?

... out those who export products or any businesses at risk of cr food poisoning claims – an area that food and hospitality businesses need protection in. The purpose of Public Liability insurance is to give your business ...

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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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Public Liability Insurance Explained

... insurance and the different kinds of products that are available. Let's delve into our simple guide on Public Liability insurance explained. What is Public Liability Insurance*? Public Liability insurance protects ...

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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 for IT Professionals

... and Product Liability insurance offers important cover for IT Professionals and their legal liability ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, ...

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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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Insurance For Cafes and Restaurants

... want to consider ensuring you have cover for Product Liability with your Public Liability insurance. Get more information Want to know more about insurance and other tips and tricks to help your food business? Head to ...

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Insurance for Allied Health Professionals

... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance ... Equipment: Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of ...

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How to Open a Yoga Studio

... their own 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 * . ...

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Cyber Liability Insurance Explained

... 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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Tool and Portable Equipment Insurance

... Public Liability and Tool Insurance Easy online purchase-no paperwork required Tool and Portable Equipment Insurance Multiple ... and products Yoga instructors- specialised yoga equipment like props, pillows, bolsters and ...

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Cyber Liability Insurance

... production of stock and products. Small business ... Liability insurance, make sure you check out our lingo-free and comprehensive guide that explores all things cyber. * This information is a general guide only and ...

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Business Insurance

... and valuable property anywhere in New Zealand. Cyber liability insurance is a type of business insurance product ... types and levels of cover are mandatory. For example Public Liability or Professional Liability insurances ...

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Insurance for Hairdressers

... extensive range of insurance products to cover many types of risks and liabilities, meaning that you ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, ...

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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 Cleaners

... cleaning products may cause accidental damage to your client's property, something Public Liability insurance ... . Portable equipment (or general property) insurance can cover you for loss and damage to specified items such ...

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What does business insurance cover

... dryers, and required professional hair and beauty products Personal trainers and yoga teachers- insures ... aware were covered with business insurance! * This information is a general guide only and does not take into account ...

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Business Insurance FAQs

... questions that you may have about business insurance policy. From understanding the ins and outs of your Public Liability, Professional Indemnity or Business Insurance policy our FAQ's can guide you to find the answers ...

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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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Insurance for Mortgage Brokers

... Acts of dishonesty or fraud Accidental injury and property damage Claims or events that are known before taking out insurance Public Liability Public liability insurance helps protect your business against claims of ...

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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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What Is Inside A Business Insurance Pack?

... due to theft, fire and other perils listed in the wording, anywhere in New Zealand. Cyber Liability insurance: Cyber liability insurance is a type of business insurance product which protects your business against ...

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Insurance for Designers

... Liability insurance* Public Liability insurance is designed to provide protection for you and ... and guidance when it comes to the design aspects of their project or product. This is where Professional Indemnity insurance ...

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Insurance for Handyman

... Liability and Tool cover Easy online purchase - no paperwork Policy documents emailed instantly Insurance for Handyman You're a “jack of all trades” when it comes to helping your clients with home repairs and general ...

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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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How Accountancy Insurance Protects Your Business

... Statutory Liability insurance : Business insurance that protects you, your business and your ... reach us on 0800 249 268. *This information is general only and does not take into account your objectives, financial situation ...

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How Insurance Can Protect Landscape Architect

... and they could go on to trade for another day. Public Liability insurance While Professional Indemnity insurance is crucial for landscape architects, many other insurance products ... information is general only and does not ...

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Business Insurance Health Check Part 2

... taking on bigger client projects, producing more products or working on more business sites Your ... : Public Liability insurance* : Public Liability insurance is designed to provide protection for you and your business ...

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Insurance for Carpenters

... What Insurance Products Do Carpenters Need? Insurance can help build a solid framework for protecting your carpentry business. Policies that many carpenters consider include: Public Liability Insurance* Rough and finish ...

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Insurance for Shop Owners

... often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, ...

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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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What 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 ...

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What Insurance Policies do Yoga Studios Need?

... against risks unique to yoga studios and ones that are part of running any business. Why do yoga studios need insurance? There are many reasons why yoga teachers and studio owners buy business insurance. Here are a few ...

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Business Tips for Yoga Studios

... New Zealand to help them secure their yoga insurance quickly and easily, without the drama. Get a quote for insurance for yoga teachers today . *This information is general only and does not take into account your ...

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Insurance for Yoga Teachers

... space for your 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 keep their ...

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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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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 and Public Liability insurance? Public Liability insurance is intended ... general guide only and does not take into account your objectives, financial situation or needs. As with any insurance ...

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Tradie Guide to Public Liability Insurance

... Liability insurance . Visit bizcover.co.nz and get trade insurance for your trade business without drama and get on with your day. If you'd like chat you can find us at 0800 249 268. *This information is general only and ...

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Insurance for Travel Agents and Tour Operators

... insurance in place Protect your business today. Public Liability insurance* Interacting with clients, suppliers and ... insurance and how they can help protect your business. * This information is a general guide only and ...

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Managing Your Business Insurance During Inflation

... effect of the increased costs in goods and services means there is a general increase in the costs across the ... your Professional Indemnity insurance* and Public Liability insurance*. Review the terms and conditions- It ...

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Insurance for Personal Trainers

... Liability insurance is designed to provide protection for you and ... and machinery, records, fixtures and fittings and furniture belonging to you at the insured location. * This information is a general guide only and ...

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Marketing Tips for Yoga Instructors

... marketing of your yoga classes or yoga studio you identify opportunities for ... yoga insurance quickly and easily, without the drama. Get a quote for insurance for yoga teachers today . *This information is general only and ...

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Cyber Insurance - Is it worth it?

... risk. Make sure you have solid cyber liability insurance in place to cover your business in the eventuality it is hit. * This information is a general guide only and does not take into account your objectives, financial ...

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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 by Industry

... Yoga Teachers Protect your business 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 ...

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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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Tips and Tricks for Massage Therapists

... where Statutory Liability insurance can safeguard your business, as it protects you and your employees ... and tricks and establish a successful massage therapy business in New Zealand. *This information is general only and ...

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Managing your Public Liability risks as a tradie

... place. Things can change quickly, and the type of Public Liability insurance you may have originally taken out ... it comes to tradie business insurance.  *This information is general only and does not take into account ...

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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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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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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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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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Reviews related to General And Product 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. 

 

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