General Liability And Professional Liability Insurance
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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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... of cover, Public Liabil i ty Insurance. What is Public Liability I nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your business by providing compensation for ...
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... Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and ... Public Liability and Professional Indemnity Insurance? Public Liability insurance protects you and your business ...
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read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... agreements Be aware of local laws regarding requirements for holding Public Liability insurance. There are also many industry associations and professional memberships that require a minimum level of cover. Investigate ...
read moreWhat does Public Liability Insurance Cover?
... by Public Liability insurance ? While Public Liability insurance covers your business for claims of negligence, you still need to take responsibility and ensure your business operates in a professional manner. Taking ...
read moreWhat is Public Liability Insurance?
... Liability cover. 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 ...
read moreWhat does Public Liability Insurance Cover?
... Liability insurance? While Public Liability insurance covers your business for claims of negligence, you still need to take responsibility and ensure your business operates in a professional manner. Public Liability ...
read moreDo 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 ...
read moreInsurance Options for Retailers
... Liability insurance policies include cover for Product Liability cover. Money and Theft cover* Part and ... in transit to or from your store or in your professional custody. While you may take all the right measures to ...
read more6 Essential Types of Business Insurance in New Zealand
... omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs ... Statutory Liability Insurance * Statutory Liability insurance protects you, your business and your ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... . Cyber Liability Insurance - Cyber Liability Insurance protects against the expenses and legal costs ... in handy. For example, if you purchase Professional Indemnity (PI) insurance you should know that you're covered ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... certain types of insurance is required. For example you'll find Professional Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public liability may be a requirement ...
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... 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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read moreInsurance 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 ...
read moreWhat Photographers Need to Know About Business Insurance
... * One of the most common forms of insurance is Public Liability . S ometimes referred to as General Liability insurance , i t's designed to protect you and your business against claims by providing compensation for ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... it is worth considering Cyber Liability insurance and how it can protect your business. What is Cyber Liability insurance? Cyber Liability Insurance protects your business against the expense and legal costs arising from ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
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read more7 Things for Accountants to Consider When Applying for Professional Indemnity Insurance
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read moreEmployers 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 ...
read moreCyber 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 ...
read moreStatutory Liability Insurance
... your business get a quote today What is the difference between Professional Indemnity and Statutory Liability Insurance*? These two types of insurance are designed to cover different risks that your business may face ...
read moreUnderstanding Employers Liability Insurance
... run. Things like Public Liability, Professional Indemnity and other Business Insurance options*, help protect different ... mail required. * This information is general only and does not take into account your objectives ...
read moreWhat does Professional Indemnity Insurance Cover?
... and take out Professional indemnity insurance. * 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 ...
read moreTool and Portable Equipment Insurance
... Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment Insurance? Tool and Portable Equipment Insurance ... one of our business insurance professionals. You can also access ...
read moreHow much does Professional Indemnity Insurance cost?
... unlikely, but it could happen! What is the average monthly cost of Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k $77.63 $500k $82.94 $750k $141.89 $1 ...
read moreProfessional 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 ...
read moreDo I need Professional Indemnity Insurance Insurance?
... and employees. Professional Indemnity 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 ...
read moreWhat is Professional Indemnity Insurance?
... re all human and we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if, and when, you do ... . The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, ...
read moreInsurance 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 ...
read moreBusiness 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 ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... of your physical assets and will come in handy should you need to make a claim. General Property You can cover ... needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ...
read moreInsurance for Allied Health Professionals
... Traditional Therapists Weight Loss Centres Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of ...
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... cover and download your policy documents. What it covers The discounted package includes cover for Professional Indemnity, Public Liability, Statutory Liability. Professional Indemnity Professional Indemnity insurance ...
read moreHow your tradie businesses can save time and money this EOFY
... contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice Public Liability Insurance is a business name of BizCover Pty Ltd (ABN 68 127 707 975 ...
read moreProfessional Indemnity Claims: when should I notify my insurer?
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... to select from for Public Liability insurance – $1 million, $5million, $10 million and $20 million. Sole trader ... into play. Portable equipment ( or general property ) insurance provides cover for specified items such as ...
read moreInsurance for Mortgage Brokers
... $1 million of cover. Insurance for Mortgage Brokers Professional Indemnity Insurance Professional indemnity insurance protects professionals, like Mortgage Brokers, who offer advice and services to their clients. This ...
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... for Immigration Advisers GET INSTANT QUOTES Professional Indemnity insurance specifically designed for your occupation Quick and easy online process, no forms to fill in, get covered in minutes Extremely competitive ...
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... . BizCover's professional indemnity insurance offer covers occupations such as: Architect Interior designer Public Liability Do you need it? If you have regular contact with clients, contractors and the general public ...
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read moreIntroducing Work From Home 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 ... of our business insurance professionals. You can ...
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... . What it covers The package includes cover for Professional Indemnity , Public Liability , Statutory Liability and Employers Liability . Professional Indemnity Protects against financial loss for claims arising from ...
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read moreBusiness Insurance FAQs
... . What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does professional indemnity insurance cover? Do I ...
read moreInsurance for Recruitment Consultants
... policy provides cover for claims made during the period of insurance in respect of professional services provided after the retroactive date, subject to the terms and conditions of the policy in place at the time. The ...
read moreInsurance for Personal Trainers
... of 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 ...
read moreRetailer Insurance
... liability insurance and glass insurance before signing a lease. Insurance for Retailers Public Liability* ... to get in touch with one of our business insurance professionals. You can also access quick links to our self ...
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... 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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... 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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... Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and ... one of our business insurance professionals. You can also access ...
read moreHow Cyber Insurance Protects Small Businesses
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read moreWhat 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 ... of our business insurance professionals. You can ...
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... 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 ...
read moreDo I need Business Insurance
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read moreInsurance 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 ...
read moreInsurance for Real Estate Agents
... , and breaches in your professional duty. This may include the sale of real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance ...
read moreInsurance for Accountants & Tax Agents
... as a trustee. The professional indemnity policy, under the Trustee’s Liability section, met the costs of appointing skilled legal talent and the costs associated with it. * * As with any insurance, cover will be subject ...
read moreInsurance for Travel Agents and Tour Operators
... you should declare your earnings and not gross ticket prices. Professional Indemnity Insurance for Travel Agents and Tour Operators Professional Indemnity (PI) insurance provides essential financial protection for ...
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read moreIt's Time for an Insurance Health Check!
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read moreThings you didn't know about small business insurance
... or property. If you work from home, your home and contents insurance policy might not cover all the liabilities related to your business. As an example most home and contents policies do not cover you for property damage ...
read moreThings to consider when purchasing business insurance
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read moreWhy You Should Review Your Business Insurance
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read moreCyber 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 ...
read moreTurn your side hustle into a small business
... Liability Insurance, often referred to as General Liability, gives you peace of mind . It is designed to provide protection for you and ... provision of your professional service or advice. PI Insurance will also assist with ...
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read moreUnderstanding Insurance, Part Two: Professional Indemnity Insurance
... part two of our Understanding Insurance series, we focus on Professional Indemnity insurance. What is Professional Indemnity insurance ? Professional Indemnity Insurance * is designed to protect you and your employees by ...
read moreHow the cost of Professional Indemnity insurance is calculated
... look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks, the higher the ...
read moreWhat do you need to know about Professional indemnity insurance?
... what professional indemnity insurance is and why it might be important for your business. What is Professional Indemnity Insurance ? Professional Indemnity Insurance is a form of business insurance for professionals who ...
read moreBizCover expands its insurance offer and launches a new look
... Director of BizCover. BizCover.com.au is already renowned for providing quick and easy online professional indemnity and public liability insurance for over 200 professions. The new website enhances this offer by giving ...
read moreBizCover expands into New Zealand and launches BizCover.co.nz
... add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for professional indemnity insurance , and get instant coverage ...
read moreUnderstanding Insurance, Part 3: Business Insurance
... omission in the provision of your professional services Claims arising from damage to third party property or personal injury Known claims and circumstances Business Insurance coverage types explained: Building* Building ...
read moreReviews related to General Liability And Professional Liability Insurance
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It was so easy and great time saver, prompt delivery to obtain the Public Liability and Professional Indemnity I require as an Occupational Health and Safety Consultant and Practitioner. Other quotes took well over a week to come back to me.
Definitely r
Patricia Copp
Consultancy Occupations -
All good and professional apart form the call back time. I was rushed into agreeing that I had read and understood things that I had not even seen. It would have been better to explain that the call was going to take over 10 minutes and there there were a
Chris Boyce
Information Technology -
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 -
You made the purchasing of public liability cover simply easy and straight forward
Peter McLaughlin
Trades & Services -
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 -
Quick and easy renewal. Thanks
Ray Gesta
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?
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- 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.