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?

... you would go out of businesses should you experience a public liability claim, then you need to have it. It's as ... Consultants - Including building consultants, management consultants and advertising consultants, amongst ...

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What does Public Liability Insurance Cover?

... to manifest. Either way, a claim could have a devastating impact on your financial situation. Having the right Public Liability insurance in place is vital to ensuring you stay in business for the long run if you were to ...

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Public Liability Insurance

... a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do ... contained in this article is general only. Coverage for claims on the policy will be determined ...

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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 Explained

... 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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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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Cyber Liability Insurance Explained

... 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 ... Cyber Extortion Crisis management costs (to protect ...

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Cyber Liability Insurance

... 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 ... Cyber Extortion Crisis management costs (to protect ...

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What is Business Insurance

... cover and Public Liability insurance? The different kinds of coverage options that Business ... that 10 mins online with you – job done. Nick M. Management Consulting Service Need Help? Visit our Contact Us page, where you ...

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Insurance for Mortgage Brokers

... crisis management activity Statutory Liability Statutory liability insurance helps defend your business and your employees against specific unintended breaches of New Zealand Acts of Parliament. It includes coverage for ...

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Business Insurance

... . It also could generally cover crisis management costs to restore your businesses reputation after ... any liabilities which may relate to your business. You should check your policy details to check on coverage. How ...

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What does business insurance cover

... all your stock at home, make sure that you have adequate coverage in place to ensure it is covered if a claim were ... Services Painless process well done Tony D. Management Consulting Service Need Help? Visit our Contact ...

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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

... coverage that best suit your business, like contents, to protect against fire, earthquake, theft, vandalism and accidental damage. Cyber Liability ... Extortion payments PR and crisis management for your consultancy How much ...

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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 ... hacking, and data loss. Cyber liability insurance provides comprehensive coverage for the various cyber risks that ...

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Insurance for Bookkeepers

... insurance, Public Liability insurance and various Business Insurance coverage options. Insurance for ... of reasons, which are set out below: Risk management tool to assist in providing financial protection for 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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Insurance for Engineers

... it may be a requirement that you have your own Public Liability insurance* cover in place. Be sure to also check the ... a sale without his efforts. Blair H. Management Consulting Service Lokesh has been awesome and never ...

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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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Insurance For Cafes and Restaurants

... injuries). Statutory Liability Statutory Liability covers the company, senior management and employees ... type of food business you are running The type of coverage you take out Your excess The level of cover Your claims ...

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Professional Indemnity Insurance

... s insurer and made a quick settlement offer. The potential liability in this case was greater than the fees actually earned ... contained in this article is general only. Coverage for claims on the policy will be determined ...

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Insurance for Real Estate Agents

... when not covered by the ACC)- this is where Public Liability insurance* can help When you're out on the ... working through the online process. Samantha E. Management Consulting Service Super easy to follow and understand ...

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Insurance for Cleaners

... or stolen Business Insurance offers a range of various coverages to help provide protection for different areas of your ... experience, super helpful and efficient. Jason D. Events Management. So good to be able to do it so ...

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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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Statutory Liability Insurance

... in the safest of work environments^. Having a risk management plan in place is one step you could potentially ... any fines and penalties to be insured) Statutory Liability Claim Examples This is a quick overview of some ...

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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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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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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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Do I need Business Insurance

... the financial impact can range from a large Public Liability claim for an injury suffered by a third party ... company but the only section was Event Management on your form. Is Event Management still OK to put down for what ...

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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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What is Professional Indemnity Insurance?

... Information Technology (IT) contractors - IT professionals may seek Technology Liability , which combines PI with Public Liability cover. Management Consultants Accountants & Tax Agents Real Estate Agents And many more ...

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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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Insurance for Immigration Advisers

... Indemnity insurance may provide you cover for. Civil Liability – the Insurer will pay on behalf of any ... to just ask a quick question about personal vs business coverage and Kate was super helpful! Thanks Team! Hermione M ...

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Insurance for Personal Trainers

... to or managing claims which are covered by the policy. Protect your business today. Public Liability insurance* Another basic insurance coverage you may need to consider for your personal training business is Public ...

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Insurance for Shop Owners

... The type of shop you are running The type of coverage you take out Your excess The level of cover Your ... I have received a quote for public liability and statutory liability from Rothburys, and your quote has literally ...

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Insurance for Allied Health Professionals

... membership bodies, you may need to have Public Liability insurance in place Get more information Find out more ... Easy 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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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 Tradesmen

... 's house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the ... The information contained in this page is general only. Coverage for claims on the policy will be determined by ...

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Insurance for Photographers

... for Photographers GET INSTANT QUOTES Coverage for photography equipment Instant online ... familiar with, even when you're being extra careful. Public Liability helps protect your business from the unexpected, so you can ...

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Insurance for Recruitment Consultants

... sites If you are renting a premises for your business, Public Liability insurance may be required as part of your rental agreement Recruiting ... services employee relations change management psychological testing training & ...

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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

... things go start to go down the drain. Public Liability* There may be plenty of business insurances on the ... from your team is incredible! Good job. Richard K. Management Consulting Service That was easy and fast. Karen E. ...

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Insurance for Painters

... These are some to think about: Public Liability insurance* – Public Liability insurance for painters may be a requirement ... job done, so consider protecting them with coverage options like Tool and Portable Equipment cover ...

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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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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 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 Travel Agents and Tour Operators

... some of the typical types of business insurance coverages you may need to consider when it comes to ... increase sales to understanding the nitty gritty of Public Liability insurance. We've got your next coffee break sorted ...

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Tool and Portable Equipment Insurance

... to know about this fundamental type of business insurance. https://www.bizcover.co.nz/public-liability-insurance-explained/ 6 Ways your small business can benefit with online marketing Unharness the potential of online ...

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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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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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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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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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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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Scholarships

... Zealand's leading insurers, including DUAL, AIG, and QBE. With the option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get the best cover for your business at the right ...

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Complete Guide to Business Insurance

... in specified circumstances. Some of the types of business insurance coverages available include: Building/ property (Public Liability) Property (Contents) Portable Equipment (e.g. glass, electronic equipment) Business ...

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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 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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Understanding the risks for Real Estate Agents

... insurance in place as part of your overall risk management strategy. Still not convinced? Here are some of the ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ...

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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

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 [email protected]. 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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