General Liability And Professional Liability Insurance

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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Public Liability Insurance

... 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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What 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 ...

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What 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 ...

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What 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 ...

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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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Insurance 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 ...

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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 Photographers

... to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your ... can include a professional camera, multiple lenses, a tripod, filter, backdrops and a powerful computer ...

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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 Reflexology NZ

... field, Dual Reflex . What is covered? The package includes cover for Professional Indemnity and Public Liability. Professional Indemnity Protects against financial loss for claims arising from negligent acts, errors or ...

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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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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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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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Statutory 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 ...

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Understanding 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 ...

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What 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 ...

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Tool 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 ...

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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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What 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, ...

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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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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 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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Insurance 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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Insurance for Immigration Advisers

... 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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Insurance for Architects & Designers

... . 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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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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Introducing 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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BizCover and Massage New Zealand

... . 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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BizCover and Boost Your Business

... today. Professional Indemnity insurance* Protects your business and your staff against any financial losses or legal action taken against your business for services or advice you have provided. Public Liability Insurance ...

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BizCover and NZ Retail

... Statutory Liability* Statutory Liability** insurance protects you, your retail business and your ... M. Quick and easy. Dale R. The person I dealt with had great customer service skills and very professional Alan S. ...

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BizCover and n3

... Professional Indemnity protects your business 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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Insurance for Tradesmen

... difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you if ... to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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Business 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 ...

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Insurance 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 ...

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Insurance 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 ...

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Retailer 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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Insurance for Hairdressers

... an extensive range of insurance products to cover many types of risks and liabilities, meaning that you ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self- ...

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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

... go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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

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How Cyber Insurance Protects Small Businesses

... service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ... insurance made easy today and see how we can help protect your business. * This information is a general guide only and ...

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Insurance for Shop Owners

... . Cyber liability insurance can also help you if your business systems and software were to become compromised. Protect your business today. Things to consider Does your business provide professional services and advice ...

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Insurance For Cafes and Restaurants

... Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance ... with one of our business insurance professionals. You can also access quick ...

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

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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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Do I need Business Insurance

... Service Simple,easy and efficient…. Arif M. Processed Food Manufacturing NEC 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 ...

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Insurance for Consultants

... without risk. That's why Professional Indemnity (PI) insurance is designed to provide the ... Liability insurance is designed to protect your business against the costs and legal expenses if your network is hacked and ...

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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

... , 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 ...

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Insurance 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 ...

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Insurance 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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Insurance for Beauty Salons

... ugly mess – and not the type a tad of concealer can fix. Professional Indemnity Insurance is designed to ... that accidents do happen, and damage can be expensive to fix. Public Liability Insurance provides peace of mind ...

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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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Why You Should Review Your Business Insurance

... of your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and your ... the provision of your professional service or advice. Professional Indemnity Insurance will also assist ...

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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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Turn 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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Reviews related to General Liability And Professional Liability Insurance

  • 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?

    • 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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