... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...read more
... 4. Get multiple quotes Of course all business owners look for ways to save money, however the cheapest Public Liability cover isn't always the best option. Take the time to assess your risks and consider the appropriate ...read more
... or sold Inappropriate installation of equipment causing damage to property Injury, illness or death caused by your negligence that is not covered by the ACC For some businesses, Public Liability insurance may be ...read more
... you select. To give you an idea, we have put together a snapshot of how much a stand-alone Public Liability insurance policy can cost for a small business, by analysing data from BizCover policies sold over the course of ...read more
... or sold Incorrect installation of equipment resulting in damage to property Injury, illness or death due to your negligence that is not covered by the ACC Do I really need Public Liability Insurance? The short ...read more
... costs When would I need Public Liability insurance? Public Liability insurance is designed to protect ... product that you have manufactured or sold Inappropriate installation of equipment causing damage to property Injury, ...read more
... no paperwork, no delays What’s covered & what’s not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much as we like to hope otherwise, accidents do happen. Regardless ...read more
... do I need? How much does it cost? Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is an important type of cover, as it can provide protection ...read more
... It can also cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is ...read more
... unhappy client making a claim against you. A Public Liability claim could result from Accidental damage to a third ... sold resulting in damage to property Incorrect installation of equipment resulting in damage to property ...read more
... a look at some of the insurances available through BizCover which can help protect your retail business. Public Liability insurance * This is one of the first insurances a retail business will typically take out to cover ...read more
... with the legal costs associated with responding to or managing claims which are covered by the policy Your Public Liability policy does not provide protection if there is financial loss only or if the cause of the loss ...read more
... - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims against property damage or personal injury to a third party caused by your ...read more
... insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier your store is, the higher the risk of being exposed to theft and shoplifting. In ...read more
... to understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability - This protects against the financial risk of being found liable for causing damage to the property of ...read more
... Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public liability may be a requirement from your landlord. Or if you take out a contract with a large organisation ...read more
... tools is to get your business insurance * sorted. While you may be familiar with policies like Public Liability, did you know there is insurance available specifically for your tools? Portable Equipment cover, also known ...read more
... * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance . Public Liability insurance is designed to cover the legal fees and compensation costs if a customer, member ...read more
... around for your shop insurance with us. Whether it's protection for your business assets or getting your Public Liability sorted, we've got shop insurance options that will give you peace of mind. Providing cover for all ...read more
... insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance is designed to provide protection for you and your food business in the event ...read more
... insurers Easy online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT ... or alteration to any insured item Faulty materials or workmanship Theft by employees Unexplained inventory ...read more
... for someone to call you back. Insurance for Shop Owners Options to look into include: Public Liability* Public Liability Insurance* Some popular insurance options for New Zealand shop owners include: Whether you make the ...read more
... Management Software Development Software Installation Software Maintenance Software Sales ... have been in touch with at least 2 brokers to get some public liability sorted for over a year so thanks for the speedy response ...read more
... confidence that you will be supported should a claim be made against your business. Public Liability Public liability insurance helps protect your business against claims of negligence which cause either physical injury ...read more
... Management Strategic business planning Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer when it comes to offering consultancy services. When ...read more
... need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising ...read more
... real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your ...read more
... to someone on your premises or where you conduct your business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some ...read more
... at excellent. What it typically covers A) Material damage loss for your physical assets B) Financial ... cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement for ...read more
... 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 financial implications if you are ...read more
... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. Protect your business today. Claim example A yoga instructor hired premises ...read more
... visit your office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims ...read more
... for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability Protects against damages arising from a claim for third party property damage or bodily injury that ...read more
... material damage losses suffered due to an unexpected event, like fire, storm, theft, natural disasters and accidental damage. Professional Liability ... breach of professional duty Public Liability - protects against damages ...read more
... for services or advice you have provided. Public Liability Insurance* Protects you and your business from ... cover to protect your business assets against material damage losses suffered from an unexpected event like ...read more
... , glass and for loss of revenue due to business interruption in specified circumstances. Public Liability Insurance* Public Liability insurance** is designed to provide protection for your retail business in the event a ...read more
... the option of separately purchasing Employers Liability , Material Damage and Business Interruption insurance ... investigator costs and expert fees). Public Liability Public Liability insurance** is designed to provide ...read more
... types of policies relevant to your business. Public Liability Insurance* Protects you and your business from ... * Tailored cover to protect your business assets against material damage loss due to an unexpected event, such ...read more
... for services or advice you have provided. Public Liability protects you and your business from third-party ... theft of sensitive client information. NEW PRODUCTS Material Damage protects the physical assets of your business ...read more
... in the event they are lost or stolen. What is the difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you if a third-party claim that your negligent business activities ...read more
... and break a bone as you were directing their movements? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your business in the event a customer ...read more
... 's designed to make insurance easy to understand. What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does ...read more
... for any action taken against you for a combination of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or damage caused by or arising from an tuition instruction ...read more
... costs Public relations costs What other insurance should I consider? Public Liability Insurance ... Insurance Tailored cover to protect your business assets against material damage loss due to an unexpected event, such as ...read more
... you are renting your beauty salon space, check if your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your stock, contents and salon equipment if it was lost ...read more
... you lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance* Fire, extreme weather, natural catastrophes like earthquakes and vandalism are just ...read more
... , $2M in the annual aggregate $1,000 Annual: $181.99 all inclusive Monthly: $24.05 all inclusive Public (General) Liability $1 Million $250 Alternatively, if you prefer to speak to somebody the old fashioned way you can ...read more
... . If you lease your premises, then your landlord will more than likely insist on you having public liability insurance . Protect your business today. Business Insurance* Your business assets are as critical as your ...read more
... of a plumber's association you may be required to hold a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting an expensive claim for property damage flush your business ...read more
... go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A ... with service. Rawiri V. Guttering Roof Installation Or Repair Certainly seems good value for money ...read more
... 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 will protect ...read more
... your personal asset risk if things go pear shaped. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and ...read more
... 4.6/5 for Customer Experience Really happy I called you! I have received a quote for public liability and statutory liability from Rothburys, and your quote has literally saved me $1000 on that insurance over the year ...read more
... or death in circumstances that are not covered by the Accident Compensation C orporation (ACC). Public Liability insurance also covers any legal costs that you may incur while defending yourself. Professional Indemnity ...read more
... to visit you or you 're out on the road meeting them, you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for you and your business in the event a customer ...read more
... to visit you or you 're out on the road meeting them, you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for you and your business in the event a customer ...read more
... trade, to shred their old policy. Dave, our resident tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended up ...read more
... damage, you face the risk of legal action as result of a breach of your general liability. Public Liability insurance protects you against claims from customers or other third parties by covering any compensation awarded ...read more
... for my business? How does insurance work? Important things you need to know about Liability Insurance What is Public Liability Insurance? What is Professional Indemnity Insurance? What is underinsurance? How can I get my ...read more
... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of occupations. You ...read more
... retailers commonly sell: Physical goods – these are material items which you will need to have manufactured. ... to protect your online store: Public and Product Liability* Public Liability insurance covers legal fees and ...read more
... activities. If you lease your premises, then your landlord will more than likely insist on you having Public Liability insurance . Business Insurance- * there are a variety of coverage options that can provide cover for ...read more
... – If your side hustle business interacts with the public you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as General Liability, gives you peace of mind . It is ...read more
... are important to consider for your business. It may be a requirement For many tradies, coverages like Public Liability insurance are often required before you even pick up your tools and start working on site, especially ...read more
... comes to business insurance, with each and every business exposed to its own unique risks. At Public Liability Insurance, we enable you to access multiple quotes to compare from selected leading New Zealand insurers, so ...read more
... 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 Million $96.95 $1.5 ...read more
... afraid to seek advice to help make it happen. Things like your Public Liability insurance * can be sorted out online in minutes with Public Liability Australia . Receive a quote and get covered in minutes with our hassle ...read more
... any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document. Public Liability Insurance is a trading name of BizCover Limited. BizCover Limited is owned by BizCover Pty Ltd ...read more
... professional indemnity insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for ...read more
... 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 BizCover's ...read more
... with the legal costs associated with responding to or managing claims which are covered by the policy. Public Liability insurance* : is designed to provide protection for you and your business in the event a customer ...read more
... unique business insurance needs. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance and more.* Our online platform takes the drama ...read more
... of your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you ... few dollars each month on your premium but could have material financial consequences in the long run. If you are ...read more
... business. Some of the typical types of business insurance you may need to consider include: Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * ...read more
... . Some of the typical types of business insurance you may like to consider include: Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business ...read more
... online platform offers a range of insurance options to suit your business from the basics like Public Liability * to Professional Indemnity insurance *. We also provide coverage for things like Business Insurance * and ...read more
... market. Some of the typical kinds of business insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability Start your new business journey with peace of mind knowing ...read more
... business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the costs of a ...read more
... is growing and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have ...read more
... protect his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and alcohol specifically I could be responsible for issues or problems ...read more
... n effortless platform where you can jump online, compare quotes for all your business insurance needs like Public Liability, Professional Indemnity and Business Insurance* . We do the shopping around for you , saving you ...read more
... businesses are faced with. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance and more.* Our online platform takes the drama ...read more
... estimated costs to New Zealand businesses 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 ...read more
... discharge of waste into public watercourse Protect your business today. FAQs How much does Statutory Insurance cost? There isn't a one-size fits all price when it comes to Statutory Liability insurance policies. Each and ...read more
... after being hacked or from the theft or loss of client information. Why do I need to consider Cyber Liability insurance ? A common misconception is that hackers only go after the big fish but when it comes to attacks ...read more
... Professionals Market Researchers Marketing Consultants Publisher Printers SEO Consultants Sign Writers Public Relations Consultants Professional Indemnity Insurance for Marketing and Multimedia professionals Professional ...read more
... of the following activities: Recording, Monitoring and Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally ...read more
... of dollars per year. But cyber risk is not just about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft or loss of a device. Like the Australian case of ...read more
... for: Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited to: ... to a disciplinary inquiry Court attendance costs Public relations costs Bodily injury or illness caused ...read more
At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they' ... a return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ...read more
... the fees actually earned for the job. Remember, a $1,000 fee contract can potentially generate millions in liability if something goes wrong. Protect your business today. * As with any insurance, cover will be subject to ...read more
... ? I started Stitchbird when I fell in love with modern Japanese fabrics and was having difficulty sourcing crafting materials that I wanted. I was saying somebody should import these into New Zealand and then thought , I ...read more
... of their hardware. In recent years, as other companies stepped up their own hardware game, Apple added sustainable materials and user privacy to their sales pitch. You can call them cynical, but it works. The company ...read more
... the property is to their liking. In this case however, the misrepresentation is plainly stated in the advertising material and liability on the real estate agent is easy to see. In many real estate legal cases, even if ...read more
... against loss of damage caused by earthquakes and other natural disasters. What is typically covered? A) Material damage loss for your physical assets B) Financial loss due to Business Interruptions as a result of ...read more
... includes Sauvignon Blanc, Rosé, Shiraz and Prosecco. The Goat Farm has created all the labelling and marketing material, and this year shot video content in London of the blending session which has been widely used in ...read more
Reviews related to Good Public Liability Insulation Materials Installation
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
You made the purchasing of public liability cover simply easy and straight forward
Trades & Services
Very good and it is helpful
Television Antennae Installation
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.
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.
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.