... 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 ...read more
... liability insurance is a type of business insurance product which protects your business against both the legal costs and expenses (including compensation payments) related to cybercrime incidents. Your coverage may ...read more
... 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 ...read more
... the inclusions and exclusions of your Public Liability policy? And finally, who is covered by the policy? 2. Check the cover level is adequate for your business Choosing the right coverage level depends on the nature of ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with ... cover are: health practitioners, IT contractors, management consultants, accountants and real estate agents. ...read more
... It can also cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is ...read more
... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...read more
... 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 ...read more
... 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 ...read more
... The first step to knowing what your coverage includes is to understand its purpose. This will depend on the type of your insurance. Read the below carefully: Public Liability - This protects against the financial risk ...read more
... love the business as much as you do. Give management the space and the autonomy to lead effectively. ... of themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore them at ...read more
... once it's occurred Investing in an effective inventory management system to keep track of your stock Reduce employee ... access systems and data. Therefore, a Cyber Liability insurance policy can act as your safety net ...read more
... even personal assets might be on the line. Having a Employers Liability policy in place can cover you not only for your legal and ... is an important part of your risk management plan as it provides protection against the ...read more
... 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 ...read more
... made policies will have an exclusion that eliminates coverage for claims made on events that took place ... a significant human resource risks which will require a management liability policy to cover. Or you may have a large ...read more
... Act, Privacy Act, Resource Management Act. Statutory Liability insurance protects you and your ... Professional Indemnity , Public Liability , Statutory Liability and Employers Liability coverage. To obtain your exclusive ...read more
... 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 ...read more
... structure & change management Public relations Risk Management Strategic business planning Title / Legal Searchers Translator Workflow processes & procedures Public Liability Public Liability insurance is a ...read more
... purchased their insurance through BizCover, Management Consultants and Business Analysts tend to ... Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k $77.63 ...read more
... 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 ...read more
... 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, ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... and risk management issues rather ... Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a quote for professional indemnity insurance , and get instant coverage ...read more
... 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, ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... interruptions costs Fines and penalties Extortion costs PR and crisis management costs What is typically not covered by Cyber Liability insurance? Replacement equipment Property damage Prior known facts / circumstances ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
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 ...read more
... 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 ...read more
... . 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 ...read more
... , efficient, brilliant!. Don K. Lawyers Lokesh was good to deal with, friendly on the phone.. Kobus V S. Management Consulting Service Found you on Moneyhub, so that’s good. Expected more quotes to choose from! Jill M ...read more
... 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 ...read more
... 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 ...read more
... : 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. ...read more
... 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 ...read more
... cover for: Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited to: Providing ... Allied Health Professionals Management Consultants Recruitment Consultants Engineers ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... (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 ...read more
... , 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... , 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 ...read more
... 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 ...read more
... 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 ...read more
... & safety Incorporation contractors human resources Other recruitment services employee relations change management psychological testing training & induction Professional Indemnity Insurance for Recruitment Professionals ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance . Public Liability insurance is designed to cover the legal fees and compensation costs if a customer, member of ...read more
... trade, to shred their old policy. Dave, our resident tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended up ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... 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 ...read more
... include Australia's leading insurers, QBE, Chartis, Vero and DUAL. To get a quote for professional indemnity , public liability or business insurance , and get instant coverage, please visit: www.bizcover.co.nz .read more
... of your business, there is also an option to take out Natural Disaster cover ** . Th is coverage protects against loss of damage caused by earthquakes and other natural disasters. What is typically covered? A) Material ...read more
... 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 * ...read more
... your industry, other safety regulations and expectations, as well as your risk management plan. Get Insurance Statutory Liability Insurance * protects you, your business and your employees against certain unintentional ...read more
... claims which are covered by the policy. Public Liability insurance* : is designed to provide protection for ... unique business risks impacting the type and level of coverage required. These are some things to be mindful of ...read more
... why they are important to consider for your business. It may be a requirement For many tradies, coverages like Public Liability insurance are often required before you even pick up your tools and start working on site ...read more
... 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 ...read more
... 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 ...read more
... that your personal insurance may not cover your business liabilities or property. If you work from home, your home ... the move It's wise to review and update your coverage every year. No doubt your business is on the move ...read more
... up to date, especially your contact details and business address. If you have coverage for contents it is a good time to make sure you have enough coverage and that you have included new and valuable items on your policy ...read more
... seat. A lot of practices, even the ones with clean claims records, should be cautious. Increasing the amount of coverage if is appropriate, may be necessary from time to time depending on the size of a job contract or ...read more
... sub-limits Property (Contents)* Property insurance provides coverage for loss or damage to your business ... cyber-attack is something to consider. Cyber Liability Insurance protects your business against the expense and ...read more
... Product Liability insurance protects your businesses against claims by third parties relating to property damage or personal injury (not covered by the ACC) caused by your products. Contents and stock* Provides coverage ...read more
... 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 ...read more
... for a fresh unrelated incident there will be no coverage. Your insurer does not have to prove that you ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own, ...read more
... your business from the basics like Public Liability * to Professional Indemnity insurance *. We also provide coverage for things like Business Insurance * and Cyber Liability * to help protect your business from unwanted ...read more
... 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 ...read more
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
You made the purchasing of public liability cover simply easy and straight forward
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.
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.
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.