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What is Public Liability Insurance?

... have caused damage or injury. Product Liability insurance covers you if any of ... customers or the general public should have Public Liability insurance Could this happen ...

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Key things to look out for when Growing Your Small Business

... it all on the line, and take a giant leap forward. ... the next phase involves growth and prosperity or financial breakdown. With ... smart risk ... themselves, but the primary insurances - public liability and professional indemnity - are ... You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims ...

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The difference between public liability and professional indemnity insurance

... the difference between Professional Indemnity and Public Liability insurance as the two types ... protection. Public Liability Insurance VS ... protection. Public Liability Insurance VS Professional Indemnity Insurance Public Liability insurance protects you and your business ... customers or the general public should have Public Liability insurance Do I really ...

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Business Risk: What Isn't Covered and Why it Matters

... most common issues with Business Insurance is that policy owners often ... it does protect you against, and the risks that still remain. ... ... third parties. Generally also includes Product liability cover. Professional Indemnity- Professional ... the business. Cyber Liability Insurance- Cyber Liability Insurance protects against the expenses and legal costs ...

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Types of small business insurance in New Zealand

... is Small Business Insurance. But what kind of insurance do you actually ... ... revenue, and your liabilities. Public Liability Insurance Every business should consider Public Liability Insurance - even ... site where you can compare products closely and choose one that meets ...

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What does Public Liability Insurance Cover?

Public Liability Insurance protects you and your business against the financial ... ... consider Public Liability Insurance - even home-based businesses. It covers you and the ... employees for potential liabilities to third parties if your products or services ...

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Public Liability Insurance

... responsibility to your customers, suppliers, and the community. The last thing ... accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace ...

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Preparing your store for the holiday season ahead

... mean an increase in safety and security risks. Here are a ... protect your customers, your business, and your assets. Take safety […] ... to access systems and data. Therefore, a Cyber Liability insurance policy can act ... and grills Ensue there is adequate lighting at night This is general ...

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Small Business Insurance: Why you might want to ensure you're covered!

You shouldn't think of insurance just as an expense, instead ... your livelihood should an unforeseen (and rather costly) event occur. It ... will also ... you rent your premises, public liability may be a requirement from ... data, intellectual property and bank account information. Cyber insurance is an important ...

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Insurance for IT Professionals

... injury caused to others. Public and Product Liability insurance offers important cover for IT ... product defects.. Business Insurance Each and every business is different, and that's where Business Insurance ...

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5 Money Saving tips for Small Business in NZ

Most small business owners are conscious of their cash flow. Whether you are just starting out or have been in business a while, you'll want to make sure every dollar ... , credit card, bank account or insurance for their business. It may ... ; they'll let you compare key product features and benefits, as well as ...

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Massage Therapy Insurance: here's why you need it!

... a rewarding yet challenging career, and there's no doubt you've worked ... Zealand members should hold and maintain a Professional Liability Insurance ... of a breach of your general liability. Public Liability insurance protects you against claims ... includes Professional Indemnity, Public Liability, Statutory Liability and Employers Liability coverage. To obtain your ...

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Help Protect your small business' reputation

... a small business, your brand and its reputation are priceless. No ... strong relationships with your customers and clients, but it can take ... ... and even extortion costs. In addition, another great benefit of Cyber Liability insurance ...

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BizGiver launch in NZ: Granting a $2000 wish this spring

... aspect of running a business and you'll most likely get a ... task of balancing business expenses and managing the cash flow. Just ... ... traditional methods of buying insurance,” said BizCover Founder and Managing Director, Michael ... must be for a tangible product or a service, up to ...

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Insurance by Professions

... comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for ...

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Cyber Liability Insurance - the Safety Net Small Businesses Need

... globe, especially in New Zealand and especially to small businesses. Microsoft ... that cybercrime over NZ computers and networks has more than doubled ... harmful. This is where Cyber Liability insurance provides a crucial safety net ... attacks now and in the future. https://blogs.business.microsoft.com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general advice ...

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Insurance for Architects & Designers

... and the general public, then the short answer is yes. Public Liability insurance is ... Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data ...

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Customer Spotlight: Scotchbox

... is all about sampling Whisky and other spirits that aren't easy ... from all over the world, and they will help you buy ... like the best! Scotchbox ... to ensure that he has insurances in place to protect his ... protected from public liability, selling food and drink to consumers and alcohol specifically ...

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Professional Indemnity Claims: when should I notify my insurer?

... clients, your Professional Indemnity (PI) insurance is no doubt one of ... needed financial assistance for legal and compensation costs in the event ... with the requirements Never admit liability or attempt to resolve a ... you, including lawyers and investigators, and without your insurance you could find yourself ...

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BizCover expands into New Zealand and launches BizCover.co.nz

... , the pioneer online insurance marketplace in Australia and leading provider of online ... professional indemnity insurance, has announced ... in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain ...

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4 Areas You May Not Have Thought Business Insurance Covers

... to protect your business assets and revenue against potential risks that ... , such as fire, storms, theft and accidental damage. When insuring your ... need to make a claim. General Property You can cover portable ... covers such as Public Liability and Professional Indemnity insurance to ensure you are ...

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How to protect your small business from cybercrime

... obtaining financial data. With more and more personal information being stored ... and shared on the internet, cyber ... are forever devising new ... than cure, and that's where Cyber Liability insurance can be a ... ://www.trendmicro.com/vinfo/nz/security/news/cyber-attacks/equifax-reveals-extent-of-2017-data-breach-number-of-stolen-records This is general advise only

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Understanding the risks for Real Estate Agents

... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... arising out of acts, errors and omissions ... Real Estate Industry, Professional Indemnity Insurance provides essential financial protection against ... stated in the advertising material and liability on the real estate agent ...

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Business Insurance

... contents, stock and other assets. And you can include Public Liability Insurance to ensure ... attempted theft at your premises. General Property Covers for loss or ...

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Employers Liability Insurance

Employers Liability Insurance For Your Business Whilst we ... , and no matter how much we plan, accidents do occur. Employers Liability insurance ...

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It's Time for an Insurance Health Check!

... business owners to take stock and do a bit of planning ... the business, including the goals and the direction of the business ... and ensuring ... direction of the business and ensuring financial and risk management strategies still ... increasing the level of public liability insurance that you hold. Are there ...

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10 Amazing Facts About Small Businesses in New Zealand

With New Zealand ranking #1 in the World Bank's 2017 Doing Business Report this year, it has proven to be an attractive place for small business owners. We have put together ... expect to introduce a new product, service or process unique to ... ensure you review your insurance cover regularly. Getting insurance has never been ...

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Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , jump online, compare quotes and buy the insurance that suits your business. ... not ... home and contents insurance policy might not cover all the liabilities related to ... the best rate for your insurance. This is general advice only.

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Insurance for Consultants

... paying income tax and GST Relevant government licences and permits that your ... Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when ...

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Statutory Liability Insurance

... accountable and responsible for their actions in the workplace. Statutory Liability Insurance protects ... you, your business and your employees, including ...

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Insurance for Personal Trainers

... settlement amount. Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ... reasons. It includes Professional Indemnity and Public Liability cover to provide you ...

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Insurance for Tradesmen

... damage. Insurance for Tradesmen Public Liability Don't get stuck between a wall and ... hard place by not having Public Liability insurance. It's a ...

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Insurance for Beauty Salons

... : Settlements and court costs Legal and defence costs PR costs Public Liability When ... happen, and damage can be expensive to fix. Public Liability Insurance provides peace ...

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BizCover expands its insurance offer and launches a new look

... customers to compare and buy professional indemnity and business insurance online Sydney, ... the pioneer online insurance marketplace ... for providing quick and easy online professional indemnity and public liability insurance for over ... for professional indemnity, public liability or business insurance, and get instant coverage, please ...

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Cyber Liability Insurance

... is $650 million annually* Cyber Liability Insurance is designed to protect your ... costs Claims Examples Website hijacked and defaced Computers infected with viruses/malware ...

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Customer Spotlight: Mosh

... , we can look after their insurance needs. Today we're looking at ... ... , we can look after their insurance needs. Today we're looking at ... those platforms, and report on the results. The General Manager of Mosh ...

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Customer Spotlight: TwoBlackLabs

... to assist clients by managing and making their business' unique security ... and privacy risk needs easier. They also specialise in providing and privacy risk needs easier. They also specialise in providing General ... can continue, and my family are not impacted. Insurance allows me to ...

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What do you need to know about Professional indemnity insurance?

Professional Indemnity Insurance (PI) can be ... what professional indemnity insurance is and why it might ... is Professional Indemnity Insurance ... explain what professional indemnity insurance is and why it might be important ... live online quotes, and purchase it directly. This is general advice only.

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The Art of Celebrating a Win this Winter

In the insurance world, we focus on loss ... on the nature of risk and we pride ourselves on the ... for the wins as well, and […] ... negatives. In fact, we see insurance as a hugely positive part ... who to call. This is general advice only

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Cyber Insurance - Is it worth it?

... customer data they can steal and sell on the black market. ... ... saw usernames, passwords, phone numbers and physical addresses compromised. Fortunately financial ... Insurance policy as an essential part of this plan. This is general ...

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Insurance for Immigration Advisers

... Immigration Advisers Professional Indemnity Insurance Professional Indemnity (PI) insurance provides essential financial ... to meet the law requirements and cover the risks associated with ...

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Tips for making a Stress-Free Claim for your business

... back up and running as quickly as possible. Making an insurance claim ... help make potential claims stress-free and time-saving. Be Prepared ... help make potential claims stress-free and time-saving. Be Prepared There are ... questions, contact your insurance service provider today. This is general advice only

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Customer Spotlight: The Goat Farm

... of the customers we serve and being able to showcase the ... ... a product that ends up selling millions of units worldwide and employing ... created all the labelling and marketing material, and this year shot video ...

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7 Ways You Can Protect Your Business and Personal Information Online

... , pre-ordering your groceries for delivery and even ordering your morning coffee. ... ... it's worth considering cyber insurance for your business. Most ... and even ransom negotiations for information. https://blogs.business.microsoft.com/en-nz/2017/02/27/cyber-crime-on-the-rise-in-nz/ This is general ...

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Insurance for Bookkeepers

... Bookkeepers Professional Indemnity Insurance Professional Indemnity Insurance is for businesses and professionals in ... of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested ...

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Reviews related to general and product liability insurance

  • 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

  • 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

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

    Peter McLaughlin
    Trades & Services

  • 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

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

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

    Peter Digby

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations


    Janette Wallbutton
    Real Estate

  • It was easy and fast to attain.

    Jason Te Kare
    Consultancy Occupations

  • excellent and quick

    Trades & Services

  • Was an easy experience to update and re new policy

    Jamie Ewen
    Information Technology

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • quick and easy.

    George Curach
    Trades & Services

  • A real person promptly answered my phone call - no redirection / no music while holding!! Quick and efficient answers to my questions.

    Astrid Herbert
    Trades & Services

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • Very quick polite and easy to deal with. Happy with service provided

    gary smith
    Trades & Services

  • Easy to understand and purchase, great experience

    Greg Campbell
    Consultancy Occupations

  • Answered all my questions, helpful, and followed up my online enquiry efficiently.

    Jan Broadley
    Consultancy Occupations

  • Fast efficient and user friendly

    Brett Stansfield
    Consultancy Occupations

  • Real easy to renew your cover and they email you a reminder.

    Joseph Caldwell
    Information Technology

  • It was grate and on timings,fast,good customer services.

    David Tabar
    Trades & Services

  • Excellent online service, frequent reminders of the expiry date, and a reasonable cost for the protection.

    David Crockett
    Trades & Services

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • I was impressed with the quick service and how able they could ask my questions

    Tony Bailey
    Trades & Services

  • Easy to purchase. Good follow up and email reminder. Price Is good.

    Gabriel Molina

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

    Alanna Clerkin
    Allied Health

  • Very easy process, prompt and competitive quote, would recommend to associates

    Wayne Smith
    Architecture & Surveying

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Prompt response to my initial enquiry and subsequent questions about the policy.

    Carol Freebairn
    Trades & Services

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • I recommend bizcovers simple and straightforward system for obtaining professional insurace online

    Alison Davies
    Consultancy Occupations

  • Great service, quick and easy to apply

    Fiona Morrison

  • Prompt and efficient

    Helena Coolen

  • Easy and affordable. Friendly customer service rep.

    Ian Leader
    Consultancy Occupations

  • The person assisting me was helpful and called back when he said he would

    Consultancy Occupations

  • Online, easy and cost effective

    David Ball
    Information Technology

  • 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

  • So darn easy to set up and at a reasonable price

    Kirsty McIntosh
    Information Technology

  • Informative and timely.

    Nicola Dunham
    Allied Health

  • Very slick and quick service with a great premium price for the cover. All done on-line with no long forms to fill in.

    Stephen Hutchins
    Information Technology

  • Helpful and friendly

    Doreen O'Sullivan
    Allied Health

  • Great service :)

    Richie Campbell
    Multimedia and Marketing

  • Excellent so far, Sam was very good with providing the details and doing the follow-up. The sale was closed by someone else as he was not available. but 100/100 for Sam

    Amita Sethi
    Information Technology

Get instant quotes

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?