Legal And General Public Liability Insurance

Legal And General Public Liability Insurance

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What does Public Liability Insurance Cover?

... death to third parties where the ACC does not provide cover Legal and defence costs When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses from the financial impact of ...

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What is Public Liability Insurance?

... Public Liability cover, your insurance company will provide much needed funds to cover your legal costs and ... interaction with customers or the general public should have Public Liability insurance Could this happen to your ...

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How much does Public Liability Insurance cost?

... Liability insurance. Also 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 ...

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Do I need Public Liability Insurance?

... 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 for you and your business if a customer ...

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What does Public Liability Insurance Cover?

... through the legal system, and the related costs can quickly add up and impact your business' financial situation. What is typically NOT covered by Public Liability insurance ? While Public Liability insurance covers your ...

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Public Liability Insurance

... think about is paying hefty legal costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against such claims ...

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Insurance Options for Retailers

... protect your retail business. Public Liability insurance * This is one of the first insurances a retail business will typically take out to cover their business. It covers legal fees and compensation costs if a customer ...

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A Tradies Guide To Protecting Tools

... methods and techniques. Insure your tools The next step important step in helping to protect your tools is to get your business insurance * sorted. While you may be familiar with policies like Public Liability, did ...

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Employers Liability Insurance

... would those legal costs have the potential to bankrupt your business, forcing you to close your doors? Claims can arise from the daily operations of your retail business and that's where Public Liability insurance comes ...

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Understanding Employers Liability Insurance

... business insurance, with each and every business exposed to its own unique risks. At Public Liability Insurance, we ... snail mail required. * This information is general only and does not take into account your objectives, ...

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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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BizCover and Boost Your Business

... taken against your business for services or advice you have provided. Public Liability Insurance* Protects you and your business from third party legal claims for property damage or personal injury not covered by the ...

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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 ...

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Retailer Insurance

... public liability insurance and glass insurance before signing a lease. Insurance for Retailers Public Liability ... However, with Cyber Liability insurance in place, you may be covered for legal costs and expenses related to ...

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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 ... (or general property) insurance can cover you for loss and damage ...

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Insurance For Cafes and Restaurants

... require the tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance  is  designed to provide protection ...

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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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BizCover and NZ Retail

... also cover your portable equipment, 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 ...

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Insurance for Photographers

... 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, supplier or a ...

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Insurance for Tradesmen

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

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Insurance for Personal Trainers

... and not just the settlement amount. Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability ... reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity ...

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Insurance for Shop Owners

... would those legal costs have the potential to bankrupt your business, forcing you to close your doors? Claims can arise from the daily operations of your retail business and that's where Public Liability insurance comes ...

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Insurance for Mortgage Brokers

... . The right public liability cover can defend you against compensation claims and legal costs in the event of physical injury or property damage should they arise. Business Insurance Business Insurance is designed to ...

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Insurance for Consultants

... relations Risk 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 ...

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Insurance for Architects & Designers

... Do you 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 ...

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Insurance for Real Estate Agents

... or a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your liability to third parties for any property damage and or injury or death arising out ...

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Insurance for Engineers

... may have to work with contractors, staff, and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities that arise due to damage to property or ...

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Professional Indemnity Insurance

... and its unique insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance protects you and ... . PI Insurance will also assist with the legal costs associated ...

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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 Accountants & Tax Agents

... If yes, then Public Liability Insurance is a vital type of insurance to protect your business ... Liability section, met the costs of appointing skilled legal talent and the costs associated with it. * * As with any insurance ...

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BizCover and Massage New Zealand

... be held liable. A Professional Liability Package provides important financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance partner of Massage New ...

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BizCover and NSNZ

... disasters and accidental damage. Professional Liability Package for Nutritionists The NSNZ Liability package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability ...

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BizCover and NZ Qualified Bookkeepers Association

... and specialist knowledge, so if something goes wrong you could be held liable. That's why a Professional Liability ... include legal costs, investigator costs and expert fees). Public Liability Public Liability insurance** is ...

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BizCover and n3

... action taken against your business for services or advice you have provided. Public Liability protects you and your business from third-party legal claims for property damage or personal injury (not covered by ACC) that ...

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BizCover and Reflexology NZ

... Professional Liability Package provides essential financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance ... all inclusive Public (General) Liability $1 ...

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Insurance for Plumbers

... having Public Liability insurance . As a plumber it is a vital form of cover that protects you and ... as a result of your business activities. It covers your legal and defence costs, as well as compensation awarded to the ...

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Tool and Portable Equipment Insurance

... online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment Insurance? Tool and Portable Equipment Insurance covers you for loss ...

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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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Insurance for Beauty Salons

... losses: Settlements and court costs Legal and defence costs PR costs Public Liability When you picture ... that accidents do happen, and damage can be expensive to fix. Public Liability Insurance provides peace of mind ...

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Insurance for Hairdressers

... 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 customers to maintain the ...

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Insurance for Handyman

... New Zealand insurers. A few clicks are all it takes to get the best public liability cover and complete peace of mind. Business Insurance* The success of your handyman business depends as much on your skills as your ...

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Insurance for Painters

... are not covered by their policy. Public liability policies usually cover only the insured and their employees, not subcontractors. Insurance for Painters Public Liability* Public Liability is perhaps the most important ...

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Why You Should Review Your Business Insurance

... your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and your ... advice. Professional Indemnity Insurance will also assist with the legal costs associated with responding ...

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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, or ...

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Statutory Liability Insurance

... 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 every business ...

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What is Professional Indemnity Insurance?

... of such claims, your Professional Indemnity insurance will pay for your legal and defence costs, as well as ... of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the ...

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How Cyber Insurance Protects Small Businesses

... is designed to protect you below. Cyber liability insurance is a type of business insurance which protects your business against both the legal costs and expenses related to cybercrime incidents. Your coverage may ...

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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 ... one 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

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

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Cyber Insurance - Is it worth it?

... insurance should be an important part of your risk management plan, as it provides protection against the expense and legal ... and processes customer-sensitive (non public) information, you need it. Isn't my other insurance ...

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Introducing Work From Home Insurance

... 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 only and should not be relied upon as ...

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Insurance for Immigration Advisers

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

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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 Travel Agents and Tour Operators

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

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Insurance for Recruitment Consultants

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

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Priceme

... choosing the types of policies relevant to your business. Public Liability Insurance* Protects you and your business from third party legal claims for property damage or personal injury not covered by the ACC that arise ...

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BizCover & NZTA

... awarded against you Legal and defence costs Claims investigation costs Court attendance costs Public relations costs What other insurance should I consider? Public Liability Insurance Protects you and your business from ...

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No Dramas

... cover for your legal costs. Public Liability Insurance* Protects you and your business from ... a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover ...

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Video Centre

... explaining the ins and outs of Business Insurance. Why do I need insurance for my business? How does insurance work? Important things you need to know about Liability Insurance What is Public Liability Insurance? What is ...

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How to Open Your Own Retail Business

... policies a retail business may need to consider include: Public Liability insurance *-. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Turn your side hustle into a small business

... you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as General Liability, gives you peace of mind . It is designed to provide protection for you and your business in the ...

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10 Ways To Help Protect Your Small Business

... take is by protecting your business is with Cyber Liability insurance* . Cyber Liability Insurance protects your business against both the legal costs and expenses (including compensation payments) relating to cybercrime ...

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Why do brilliant business ideas sometimes fail?

... : Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance ...

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6 Reasons why some small businesses fail

... : Public Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance* Don ...

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How To Start A Small Business

... on the 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 ...

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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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Customer Spotlight: Scotchbox

... ensure that he has insurances in place to 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 ...

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Reviews related to Legal And General Public 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

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

    Peter McLaughlin
    Trades & Services

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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