Management Liability Coverage

Management Liability Coverage

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How much does Public Liability Insurance cost?

... depending on your business needs. What is the average monthly cost of Public Liability insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $1 Million $39.39 $2 Million $48.28 $5 Million ...

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What does Public Liability Insurance Cover?

... they may have to have a certain level of Public Liability coverage in place before they even step on site to start work. Public Liability insurance is commonly a requirement for professionals that work on contracts ...

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What is Public Liability Insurance?

... all. If the risk to your businesses is such that you would go out of businesses should you experience a public liability claim, then you need to have it. It's as simple as that. And if you are doing business with another ...

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What does Public Liability Insurance Cover?

... businesses 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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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's ...

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Public Liability Insurance

... 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 ...

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Insurance Options for Retailers

... 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 ...

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A Tradies Guide To Protecting 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 as ...

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Insurance for IT Professionals

... can compare quotes from leading NZ insurers and find the coverage you need, in minutes. Did you Know? For ... Easy to deal with competitive quotes John S. Management Consulting Service Need Help? Visit our Contact Us page ...

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Insurance for Consultants

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

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Insurance for Accountants & Tax Agents

... 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. Protect your business today. Claim ...

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What is Business Insurance

... of Business Insurance available and what kind of coverage they provide. Protect your business today. * ... 10 mins online with you – job done. Nick M. Management Consulting Service Need Help? Visit our Contact Us page, ...

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What does business insurance cover

... unique insurance needs and exposures to risk. From coverage for stock to shop front windows and everything ... Agency Services Painless process well done Tony D. Management Consulting Service Need Help? Visit our Contact Us ...

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How Cyber Insurance Protects Small Businesses

... 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 ... CyberExtortion Crisis management costs (toprotector ...

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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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Business Insurance

... for any liabilities which may relate to your business. You should check your policy details to check on coverage. How do ... process completely transparent. Linda K. Management Consulting Service Really good follow up from ...

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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 comes ...

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Turn your side hustle into a small business

... plays an important role in your risk management plan. Public Liability Insurance – If your side hustle business ... are available. Some of the kinds of coverage options include Building, Contents, Portable Equipment, ...

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How to Open Your Own Retail Business

... you have in place for your accounting and stock management are all organised and working Protect your retail ... you having Public Liability insurance . Business Insurance- * there are a variety of coverage options that can ...

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10 Ways To Help Protect Your Small Business

... disaster Run emergency drills Now that you have an emergency management plan in action, take the time to go through ... sorted. There are many different types of coverages available so you can protect your business from ...

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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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Understanding Employers Liability Insurance

... staff working for you. We will take a look at the coverage and some of the reasons why your business may need to ... of business insurance in place. What is Employers Liability insurance ? You may take all the care in ...

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Cyber Liability Insurance

... of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the ... and penalties Extortion costs PR and crisis management costs Claims Examples Website hijacked and ...

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Employers Liability Insurance

... with it's own risks, factors and features. The most accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a quote. A quote will be able to take your business ...

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Statutory Liability Insurance

... and buy online No hassle, no paperwork, no delays What’s covered & what’s not? Statutory Liability Insurance For Your Business New Zealand businesses are facing increased exposure to statutory fines and penalties handed ...

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Introducing Work From Home Insurance

Work From Home Reputational Risk Insurance* LEARN MORE Stop screen sharing unwanted content Coverage for flights away from the situation Rebuild your brand with PR support Introducing Work From Home Insurance Working ...

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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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Do I need Business Insurance

... . Roopal P. Computer Maintenance Service Hi, Just a question I am a Event production company but the only section was Event Management on your form. Is Event Management still OK to put down for what I do? Grant C. Events ...

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Insurance for Architects & Designers

... is out of action due to an insurable event. Cyber Liability As an architect or designer, your plans, designs are ... costs, business interruption costs and PR/crisis management costs. Protect your business today. Could this ...

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Insurance for Real Estate Agents

... This may include the sale of real estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business ...

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What is Professional Indemnity Insurance?

... : health practitioners , IT contractors , management consultants , accountants and real estate agents ... 1,000 fee contract can potentially generate millions in liability if something goes wrong. Protect your business today. ...

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Business Insurance FAQs

... Liability Insurance? What does public liability insurance cover? Do I need public liability ... insurance broker I have ever dealt with. Cameron S. Management Consulting Service “The website was informative and easy to read ...

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BizCover and NZ Retail

... Members Discount Immediate cover - no paperwork Broad coverage for your industry You take care of your ... payable following a conviction. Employers Liability* Employers Liability** insurance protects you against settlements ...

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BizCover and NZ Qualified Bookkeepers Association

... per month Immediate cover - no paperwork Broad coverage for your industry You take care of your clients ... B. Extremely quick and easy. Recommend to anyone seeking liability insurance. Hamish M. Very easy to deal with and ...

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Insurance for Photographers

... for Photographers GET INSTANT QUOTES Coverage for photography equipment Instant online ... movements? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for ...

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No Dramas

... (not criminal laws though). Cyber Liability Insurance* Protects your business against expenses (including compensation payments) and legal costs related to cybercrime incidents. Coverage may generally include cover for ...

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Insurance for Immigration Advisers

... , professional and efficient Grant G. Had to ring to just ask a quick question about personal vs business coverage and Kate was super helpful! Thanks Team! Hermione M. Need Help? Visit our Contact Us page, where you ...

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Insurance For Cafes and Restaurants

... ACC does not provide cover (such as gradual impairment injuries). Statutory Liability 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 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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Insurance for Engineers

... your business. Some large projects might insist on Public Liability being in place before you go on site. ... been a sale without his efforts. Blair H. Management Consulting Service Lokesh has been awesome and never gave ...

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Insurance for Allied Health Professionals

... , you should seriously consider taking out public liability insurance for your protection. Protect your business ... instructions and customer friendly Johnnie F. Management Consulting Service Friendly team, easy access ...

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BizCover and NSNZ

... 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 claim ...

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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 Recruitment Consultants

... & safety Incorporation contractors human resources Other recruitment services employee relations change management psychological testing training & induction Professional Indemnity Insurance for Recruitment Professionals ...

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Insurance for Beauty Salons

... requires you to have a particular level of Public Liability cover. How much would it cost to replace your ... . Life Coach Fantastic process. Nick H. Events Management quick and easy thank you Richard C. Artists Supplies ...

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Insurance for Plumbers

... damage flush your business away by not having Public Liability insurance . As a plumber it is a vital ... from your team is incredible! Good job. Richard K. Management Consulting Service That was easy and fast. Karen E. It ...

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Insurance for Cleaners

... Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type ... Great experience, super helpful and efficient. Jason D. Events Management. So good to be able to do it so fast ...

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Video Centre

... 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 ...

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Insurance for Shop Owners

... 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 ...

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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

... 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 ...

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Retailer Insurance

... customer data and credit card details in which case you may be liable for claims. However, with Cyber Liability insurance in place, you may be covered for legal costs and expenses related to cyber risks. Protect your ...

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Insurance for Hairdressers

... turn - and ours to ensure you do! Every business comes with its own set of risks and liabilities and it is no different with hairdressing. Hairdressers can offer a range of services, from haircutting, colouring, styling ...

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Insurance for Handyman

... small 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 Painters

... 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 ...

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Tool and Portable Equipment Insurance

... Multiple quotes from some of NZ's leading insurers Easy online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment Insurance ...

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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 your business against the financial implications if you are ...

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BizCover and Massage New Zealand

... 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 ...

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BizCover and Boost Your Business

... cover 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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Priceme

... cover 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

... injury or 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 the ...

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BizCover & NZTA

... or personal injury not covered by the ACC that arise due to your business operations. Cyber Liability Insurance Protects your business against the expenses and legal costs associated with data breaches, being hacked ...

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BizCover and Reflexology NZ

... 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 contact ...

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6 Reasons why some small businesses fail

... business is safe and secure is part of every solid risk management plan, something that you should consider having in place if you ... like to consider include: Public Liability insurance* Professional Indemnity insurance * ...

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Why You Should Review Your Business Insurance

... policy. The first step to knowing what your coverage includes is to understand its purpose. This will ... type of your insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and ...

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Why do brilliant business ideas sometimes fail?

... ways to prevent them from causing a problem . Risk management involves setting up procedures to cope with the impact ... may need to consider include: Public Liability insurance * Professional Indemnity insurance * 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 this ...

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How To Start A Small Business

... available*, but you don't necessarily need every coverage on the market. Some of the typical kinds of business insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber ...

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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

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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