Legal And General Public Liability Insurance

Legal And General Public Liability Insurance

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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 is Public Liability Insurance?

... the ACC Legal and defence costs What is not covered? Public Liability insurance can help create ... public visit ALL business that have interaction with customers or the general public should have 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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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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Public Liability Insurance

... Public Liability Insurance cost Public Liability Insurance ... legal costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and ...

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Public Liability Insurance Explained

... court or awarded by the court. With the right Public Liability cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free of financial ...

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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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Tradie Guide to Public Liability Insurance

... third parties where the ACC does not provide cover. Legal and defence costs related to the cost of defending your claim. While Public Liability insurance isn't a legal requirement for tradies in New Zealand, choosing to ...

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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

... reputation after an attack or data breach and legal costs from any ensuing civil action taken ... certain types and levels of cover are mandatory. For example Public Liability or Professional Liability insurances are a ...

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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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Tips and Tricks for Massage Therapists

... damaging to your business. Public Liability insurance is designed to cover this risk, protecting you against claims from third parties by covering any compensation costs as well as legal and defence costs whether you ...

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Insurance for Yoga Teachers

... space for your yoga studio, you may be required to have Public Liability* coverage and show proof of insurance when you sign a lease. What Insurance do Yoga Teachers need? Insurance can help yoga teachers keep their ...

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What Insurance Policies do Yoga Studios Need?

... why yoga teachers and studio owners buy business insurance. Here are a few: It may be required Some types of insurance may be required to do business. For example, commercial landlords commonly require Public Liability ...

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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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Statutory Liability Insurance

... the legal costs associated with responding to or managing claims which are covered by the policy. What is the difference between Statutory Liability insurance and Public Liability insurance? Public Liability insurance is ...

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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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Insurance For Cafes and Restaurants

... Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance ... ACC does not provide cover Legal and defence costs What is typically ...

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Insurance for Cleaners

... business insurance^: Public Liability insurance* may be a requirement to work on certain contracts and public spaces ... parties where the ACC does not provide cover Legal and defence costs What is typically NOT covered? ...

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Insurance for Consultants

... Your legal defence What is not covered? While Public Liability insurance can provide you with important peace of mind, it is still important to ensure that your business is operating in accordance with the law and the ...

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How Accountancy Insurance Protects Your Business

... and omissions which may happen across a wide variety of accounting and tax services. Public Liability insurance ... on 0800 249 268. *This information is general only and does not take into account your objectives, financial ...

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How Insurance Can Protect Landscape Architect

... Public Liability insurance can help protect you and your business against such claims. Public Liability insurance ... insurer, not BizCover. This information is general only and does not take into account your objectives, ...

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Insurance for Carpenters

... Compensation for personal injury or death not covered by the ACC Legal and defence costs What is typically NOT covered? Public Liability insurance can provide important coverage for your small business, but it does ...

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Insurance for Designers

... or death to third parties where the ACC does not provide cover Legal and defence costs What is typically NOT covered by Public Liability insurance? Injury to your employees Damage to your own property Compensation for ...

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Insurance for Mechanics

... or death to third parties where the ACC does not provide cover Legal and defence costs What is typically NOT covered by Public Liability insurance? Injury to your employees Damage to your own property Compensation for ...

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Insurance for Real Estate Agents

... for any injuries caused (when not covered by the ACC)- this is where Public Liability insurance* can help When you're out on the road visiting and showing clients around, it is important you have some protection in place ...

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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 ... where the ACC does not provide cover Legal and defence costs What is NOT covered? ...

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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 Dog Walkers

... by the ACC Legal and defence costs What's typically NOT covered? Public Liability coverage does not cover ... a Public Liability insurance policy that fits their businesses' needs. *This information is general only and does ...

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Insurance for Bookkeepers

... Liability insurance is one of those fundamental types of insurances that bookkeepers need to consider. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and ...

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Insurance for Recruitment Consultants

... home, the risk for a potential Public Liability claim occurring is a reality, no matter how much care you may take. Public Liability insurance is designed to provide protection for you and your business in the event a ...

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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 Personal Trainers

... to a gym, a fitness studio or work within a public space like a council park for example. 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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Cyber Insurance - Is it worth it?

... legal requirements when it comes to privacy and security of personal information and data ... liability insurance in place to cover your business in the eventuality it is hit. * This information is a general guide only and ...

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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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Insurance for Hairdressers

... part of your rental agreement e.g., Public Liability or Glass cover. FAQ's How much does business insurance cost for hairdressers? The hairdressing industry is varied and includes a mix of different types of hairdressing ...

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Insurance for Painters

... Public Liability insurance* – Public Liability insurance for painters may be a requirement before you step foot on site and ... needs-to-know-about-insurance/ * This information is a general guide only and does not take into ...

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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 ... between public liability and professional indemnity insurance - Public Liability and PI insurance are both ...

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Managing your Public Liability risks as a tradie

... place. Things can change quickly, and the type of Public Liability insurance you may have originally taken out ... it comes to tradie business insurance.  *This information is general only and does not take into account ...

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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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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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Complete Guide to Business Insurance

... equipment, and loss of revenue due to business interruption in specified circumstances. Some of the types of business insurance coverages available include: Building/ property (Public Liability) Property (Contents ...

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New Plymouth Physio Pilates Wins BizGiver Grant!

... Emma has had Professional Indemnity and Public Liability insurance with BizCover since she started ... my work because I get to see people overcome their injuries and thrive. The opportunity to help people get back to doing ...

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A Calmer Therapy Wins BizGiver Grant

... has been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are ... of this small business means I am open to all feedback, and I love that I can make improvements which will benefit all ...

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Tips for How to Start a Carpentry Business

... how you will pay taxes, your legal obligations, and how efficiently you can run your ... and lawsuits. There are many carpenter insurance policies available that cover different business risks, such as: Public Liability ...

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How To Start Your Own Trade Business in NZ

... , partnership, or company. Each option has its own legal and tax obligations. You may want to learn more about each ... Different policies, such as Public Liability and Business Insurance, cover tradespeople against a wide ...

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Anything Aluminium Wins BizGiver Grant

... Public Liability with BizCover since he started his small business. We are proud to support Lewis and ... as I have a big project where I could manufacture windows and get back into the manufacturing side of things on my own ...

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4 Tips For Starting An Online Business

... insurance in place can help protect your online business from a number of risks. A Public Liability policy is important for small business owners that operate and ... will pay for your legal and defence costs for claims ...

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Digital Marketing Tips For Tradies

... Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your accounting small business without drama and get on with your day. *This information is general only and ...

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How To Market Your Accounting Business Online

... to their business via business insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. Visit bizcover.co.nz and get business insurance for your accounting small ...

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How To Get More Accounting Clients

... and ... Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance for your accounting small business in minutes and get on with your day. *This information is general only and ...

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How To Start Your Own Accounting Business

... and to protect your business from losses from any errors and omissions that may arise. Public Liability Insurance ... with us, drama free! This information is general only and does not take into account your objectives, ...

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How Tradies can use LinkedIn

... your content at optimal times throughout the day. The general rule of thumb is to post when people are ... insurance may include: Tool and Portable Equipment insurance ; Public Liability insurance ; and Business Insurance ...

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How to Increase Leads on Tradie Websites

... include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance BizCover NZ can customise your trade insurance to match the specific risks your ...

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How to Optimise a Tradie Website

... tradespeople reduce their risk. Tradie insurance may include the following types of business insurance: Tool and Portable Equipment insurance ; Business Insurance ; and Public Liability insurance . You may have a one ...

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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

Did you Know?

Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on the insurance policy.

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?

Could this happen to your business?

While we may strive for perfection, making mistakes is a part of the human condition. But since your clients rely on you to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents can happen at any time. Some of our customers can attest to that!

Here is a real-life claim example:

A landscape gardener who was working at a private residence needed to use a garden power tool to complete the required work. Whilst operating the machine he accidentally lost control of it damaging the side of his client’s house. The landscape gardener’s insurer quickly agreed that he was negligent, as the damage arose out of the operation of the insured’s business activity. They settled the claim with the homeowner’s own insurer within one week. Most importantly however, the homeowner has continued to hire the landscape gardener despite the incident as the matter was able to be settled easily and quickly due to the landscape gardener’s Public Liability cover.**

Why choose BizCover for your Public Liability Insurance?

At BizCover, our task is to make Public Liability insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your Public Liability insurance.

New Zealand’s number one online insurance company

We take more pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer.

Built for small business

We know Public Liability insurance. We also know makes small businesses tick.

We won’t confuse you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

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.

How do I make a claim on my insurance policy?

Need to make a Public liability claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

*This information is a general guide only and does not take into account your objectives, financial situation or needs. 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. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

**The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this article is general only. Coverage for claims on the policy will be determined by the insurer, not BizCover, and will depend on the specific facts and circumstances involved.

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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