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Do I need Public Liability Insurance?

... too. Even if you don't have visitors to your working site, store or home office, a Public Liability claim could still occur against your business, for example, if you accidentally cause property damage to your client ...

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What does Public Liability Insurance Cover?

... from the financial impact of claims made against you. While there are many situations in which a Public Liability policy operate, these are some of the common reasons why someone may make a claim: Damage to a ...

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How much does Public Liability Insurance cost?

... 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 ...

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What is Public Liability Insurance?

... empty pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would ...

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Public Liability Insurance

... ; ; 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 ...

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What does Public Liability Insurance Cover?

... considers the legal defence costs alone, these could put you out of business. With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any compensation ...

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Insurance Options for Retailers

... external glass and signage you own or for which you are legally responsible, at the insured premises. Cyber Liability* Like most small businesses, there's a high chance you rely on the convenience of the internet ...

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It's Time for an Insurance Health Check!

... direction of the business and ensuring financial and risk management strategies still meet the needs of the business. While ... to consider increasing the level of public liability insurance that you hold. Are there statutory ...

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Cyber Insurance - Is it worth it?

... should be an important part of your risk management plan, as it provides protection against the expense ... data breach alone. Cyber insurance will also provide coverage for regulatory defence, penalties and fines. Is cover ...

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Insurance for IT Professionals

... , you can compare quotes from leading NZ insurers and find the coverage you need, in minutes. ; Did you Know? For some IT ... costs, fines and penalties and PR/crisis management costs. ; ; Having the right insurance ...

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Help Protect your small business' reputation

... offers coverage for public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Employers Liability Insurance Being the director or part of a management team ...

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Insurance for Consultants

... & change management Public relations Risk Management Strategic business planning Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is ...

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Insurance for Accountants & Tax Agents

... from hackers or an inadvertent error with Cyber Liability insurance, which provides coverage for expenses like data and recovery costs, fines and penalties, and PR and crisis management costs. ; ; Claim example An ...

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Statutory Liability Insurance

... positions being held more accountable and responsible for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers ...

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Employers Liability Insurance

... to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee ...

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Cyber Liability Insurance

... 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 ...

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Insurance For Cafés and Restaurants

... CC does not provide cover (such as gradual impairment injuries). Statutory Liability : covers the company, senior management and employees for allegations of wrongful breaches of key legislation in the ...

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Insurance for Handyman

... to big jobs. While you attend to fixing other people's problems, there can be minor to major risks or liabilities that you are exposed to daily. These risks could be in the form of damage to your client's property ...

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Insurance for Plumbers

... Don't risk letting an expensive claim for property damage flush your business away by not having Public Liability insurance. As a plumber it is a vital form of cover that protects you and your business against ...

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Insurance by Industry

... 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 ...

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Insurance for Photographer

... 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 ...

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Insurance for Shop Owners

... the legal costs associated with responding to or managing claims which are covered by the policy. ; Cyber Liability insurance* Did you know that over half of New Zealand SME owners only have average or below average ...

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Insurance for Painters

... has his or her own insurance, it is likely you are not covered by their policy. Public liability policies usually cover only the insured and their employees, not subcontractors. ; Insurance for Painters Public ...

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Insurance for Tradesmen

... accidentally lost control and damaged the side of his client's house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation ...

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Insurance for Personal Trainers

... and accusations are can be made, however right or wrong they may be. Having a combined Professional Liability package provides the financial protection you need against losses which may be incurred for any action taken ...

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Insurance for Cleaners

... 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 ...

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Insurance for Mortgage Brokers

... Statutory liability insurance helps defend your business and your employees against specific unintended breaches of New Zealand Acts of Parliament. It includes coverage for the costs of representation in investigations ...

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Insurance for Architects & Designers

... your cybersphere with Cyber Liability insurance., providing protection covering extortion costs, fines and penalties, investigation and data recovery costs, business interruption costs and PR/crisis management costs. ; ...

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Bizcover and Nutrition Society of NZ

... on healthy eating and assist in the prevention and management of illness. The service you provide comes with an ... involving a breach of professional duty Public Liability – protects against damages arising from a ...

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Insurance for Real Estate Agents

... include the sale of 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 ...

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Conquering Stress and a Heavy Workload

... as well as health and mental health status, which in turn help control your stress. Smarter time management Overworking and working excessively long hours could take a toll on your health. One way to address ...

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What is Professional Indemnity Insurance?

... are: health practitioners, IT contractors, management consultants, accountants and real estate ... variation of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the ...

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Insurance for Bookkeepers

... and Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses ... of reasons, which are set out below: Risk management tool to assist in providing financial protection for a ...

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What does business insurance cover

... cover? Every business is different, with their own unique insurance needs and exposures to risk. From coverage for stock to shop front windows and everything in between, Business Insurance offers a range of ...

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What is Business Insurance

... by an insured event. Find out more about the types of Business Insurance available and what kind of coverage they provide . * As with any insurance, cover will be subject to the terms, conditions and ...

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Take Back Your Time With These Apps

... , so do your plan options with paid options available for larger scale businesses. Strong time management skills are essential e specially when it comes to dealing with customers and clients. Setmore can ...

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Do I need Professional Indemnity Insurance?

... which require Professional Indemnity include real estate agents, accountants, IT contractors and management consultants. Some occupations are required by law to have Professional Indemnity insurance. Before ...

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Insurance for Recruitment Consultants

... for example: occupational health & safety human resources employee relations change management psychological testing training & induction ; Professional Indemnity Insurance for Recruitment ...

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BizCover and NZ Retail

... , glass and for loss of revenue due to business interruption in specified circumstances. Public Liability Public Liability insurance** is designed to provide protection for your retail business in the event a ...

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Retailer Insurance

... that can occur when you are not able to run your business due to insured events. Cyber Liability While technology can offer your business convenience and streamlined processes, it can also leave you vulnerable to ...

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Insurance for Engineers

... 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 ...

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Insurance for Allied Health Professionals

... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. ; Claim example A yoga instructor hired premises in a busy centre to ...

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Insurance for Hairdressers

... Hairdressers At BizCover, we offer an extensive range of insurance products to cover many types of risks and liabilities, meaning that you can focus on running your business without the worries of what could happen if ...

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BizCover and Reflexology NZ

... . Even if a claim is baseless it could cost a considerable amount to defend yourself. A Professional Liability Package provides essential financial protection in the event of a claim being made against your business ...

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Bizcover and Massage NZ

... you could be held liable. A Professional Liability Package provides important financial protection in the event ... a breach of professional duty Public Liability Protects against damages arising from a ...

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BizCover and Boost Your Business

... losses or legal action 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 ...

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BizCover and PriceMe

... for a reduction in revenue if your business is interrupted due to an insured event. Statutory Liability Insurance Protects you and your business against the costs of any inadvertent breaches of New Zealand Acts ...

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BizCover and n3

... illness arising out of his or her employment where the ACC does not provide cover. Cyber Liability protects your business against the expenses and legal costs associated with data breaches, being hacked, or ...

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Insurance for Beauty Salons

... 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 ...

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Understanding the risks for Real Estate Agents

... of the sale of property the agent must communicate it as soon as the information arises or face possible liability for any issues. For example, if the agent was aware of a plumbing issue and flooding in the lower ...

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Customer Spotlight: Scotchbox

... 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 that ...

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Introducing Work From Home Insurance

Introducing Work From Home Insurance Working from home became the new normal in 2020, and employees are keen to keep this trend going. A recent survey conducted by Boston Consulting Group found that nearly 50% of ...

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BizSave

BizSave on your Business Insurance Being a small business owner can be a rewarding and challenging journey. While time and money are of the essence, you need to consider the unexpected - a possible loss or theft of ...

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Reviews related to Management Liability Coverage

  • 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

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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?