Personal Liability Insurance

Personal Liability Insurance

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What does Public Liability Insurance Cover?

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What is Public Liability Insurance?

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Public Liability Insurance

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Do I need Public Liability Insurance?

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How much does Public Liability Insurance cost?

... Liability insurance. Businesses that are considered to have a higher risk exposure of causing personal ... cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option ...

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Public Liability Insurance Explained

... your employees Damage to your own property Compensation for personal injury whereby cover is provided by the ACC Known claims and circumstances Why do I need Public Liability Insurance? While you may take all the care in ...

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Understanding Employers Liability Insurance

... having this type of business insurance in place. What is Employers Liability insurance ? You may take ... Liability insurance policy: What is typically covered? Costs of settlement or damages arising from claims for personal ...

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How to Open a Yoga Studio

... their own yoga studio in New Zealand can enjoy peace of mind by reducing the risks to their business via business insurance such as yoga insurance. And a great way to do that is with insurance for yoga teachers * . ...

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Insurance for Yoga Teachers

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

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What does Public Liability Insurance Cover?

... Public Liability insurance* provides peace of mind for claims for third party property damage or personal injury ... by the ACC For some businesses, Public Liability insurance may be a requirement. For example for some ...

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Statutory Liability Insurance

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Cyber Liability Insurance Explained

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Tradie Guide to Public Liability Insurance

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Employers Liability Insurance

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Insurance for Carpenters

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Insurance for Personal Trainers

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Insurance for Psychologists

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Insurance for Consultants

... have a certain level of Professional Indemnity insurance in place. It is always a ... Liability insurance typically will not cover: Injuries to your employees or yourself Damage to your own property Compensation for personal ...

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Business Insurance

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Insurance For Cafes and Restaurants

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Insurance for Cleaners

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Cyber Insurance - Is it worth it?

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Insurance for Hairdressers

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What does business insurance cover

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Insurance by Industry

... Recruitment Consultants Retailer Shop Owners Tradesmen Travel Agents and Tour Operators Yoga Teachers Protect your business today. * * As with any insurance, cover will be subject to the terms, conditions and exclusions ...

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Insurance for Shop Owners

... Cyber Liability insurance can assist with are unintended loss or release of customer personal ... 's why there isn't a stock-standard price of business insurance for shop owners. When calculating the price of your policy, ...

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Do I need Business Insurance

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Insurance for Immigration Advisers

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Insurance for Bookkeepers

... business insurance - ... Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against such claims by providing compensation for property damage, and personal ...

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Insurance for Real Estate Agents

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Insurance for Allied Health Professionals

... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance covers Allied Health Professionals for their legal liability in the event of personal ... our business insurance professionals. ...

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Insurance for Plumbers

... personal injury Known claims and circumstances Protect your business today. Employers Practices Liability* Employment Practices Liability (EPL) Insurance ... more on all things business insurance and some tips to help your ...

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Insurance for Painters

... Insurance for Painters Public Liability* Public Liability is perhaps the most important insurance option for painters to consider. It will protect you in the event of your business causing personal ... business insurance and ...

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Do Hypnotherapists need Business Insurance?

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Insurance for Counsellors

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Insurance for Mechanics

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Insurance Options for Retailers

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What is Business Insurance

... groomers to personal trainers, IT specialists and real estate agents, Business Insurance provides coverage ... Insurance cover and Public Liability insurance? The different kinds of coverage options that Business Insurance ...

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Insurance for Architects & Designers

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Insurance for Engineers

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Insurance for Accountants & Tax Agents

... are located can impact how much you pay for insurance. Who is being covered - Are all members of ... Liability insurance does not provide cover for: Employee injuries Damage to your own property Compensation for personal ...

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Insurance for Travel Agents and Tour Operators

... damage to third party property Compensation for personal injury or death to third parties where the ... increase sales to understanding the nitty gritty of Public Liability insurance. We've got your next coffee break sorted ...

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Insurance for Recruitment Consultants

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Insurance for Beauty Salons

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How Insurance Can Protect Landscape Architect

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Insurance for Sole Traders

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Insurance for Contractors

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Insurance for Dog Walkers

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Insurance for Designers

... Liability insurance? Injury to your employees Damage to your own property Compensation for personal ... costing you more than an arm and a leg without Public Liability insurance in place. Even if you are out working at a ...

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Retailer Insurance

... whether it is stored within business premises, in personal custody, or transit. Business interruption : The policy ... may be liable for claims. However, with Cyber Liability insurance in place, you may be covered for legal ...

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Insurance for Handyman

... wide-ranging risks in minutes. An easier way to get the right insurance cover is just to give us a call - and we will do ... Personal injury compensation that is covered by the ACC Business Insurance* Beyond general liability ...

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Do Dog Walkers Need Insurance?

... insurance or dog walking liability insurance) is one way to help shield your business against third-party claims that your negligent business activities caused them property damage or personal ... looking for insurance make ...

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Tradie Guide to Professional Indemnity Insurance

... their customers for a fee. While Public Liability insurance ensures your business is financially covered for ... for a fee. The line between professional advice and personal opinion can be blurry at times, and that may lead ...

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Tradies Guide to Business Insurance Packages

... personal injury to third parties. While not all trade roles mandate that the business owner has to hold Public Liability insurance, this type of tradie insurance ... works, that's where tradie insurance can help. You may run ...

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What Is Inside A Business Insurance Pack?

... cover can provide a safeguard. Mobile businesses- Personal Trainers and mobile make-up artists are just ... to being a victim of a cyber-attack, Cyber Liability insurance is there to provide an extra layer of protection ...

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Managing Your Business Insurance During Inflation

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Insurance for Massage Therapy

... Liability insurance covers you for third-party claims alleging that your negligent business activities caused them personal ... get in touch with one of our business insurance professionals. You can also access quick links to ...

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Tool and Portable Equipment Insurance

... tools Personal Trainers- sporting equipment and products Yoga instructors- specialised yoga equipment ... tips to understanding the nitty gritty of Public Liability insurance, we've got your smoko break entertainment covered ...

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Insurance for Tradies

... insurance? Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal ... I make a claim on my insurance policy? Are you a tradie ...

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Insurance for Mortgage Brokers

... Mortgage Broker must have at least $1 million of cover. Insurance for Mortgage Brokers As a Mortgage Broker, you face a ... by Public Liability insurance: Employee injuries Damage to your own property Personal injuries that ...

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What are the Risks in Running a Yoga Studio?

... yoga studio operators to risk and where business insurance could help protect against the risks involved in being a yoga teacher who runs their own yoga studio as a small business owner. Public liability ... your yoga studio ...

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What Insurance Policies do Yoga Studios Need?

... expect to pay for it! Higher coverage amounts typically mean higher premiums. Keeping your yoga studio flexible Insurance for yoga teachers can help you remain calm and serene in the face of business risks. Knowing that ...

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Business Tips for Yoga Studios

... do that is to invest in business insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance quickly and easily, without the drama ...

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Cyber Liability Insurance

... What is Cyber Liability Insurance? Cyber liability insurance is a type of business insurance which protects ... Business Need To Consider Cyber Liability Insurance? Cyber Liability insurance is designed to help safeguard ...

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Marketing Tips for Yoga Instructors

... of your yoga classes or yoga studio you identify opportunities ... insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance ...

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How Cyber Insurance Protects Small Businesses

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Insurance for Photographers

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Reviews related to Personal Liability Insurance

  • Prompt, professional, ease of purchase…and competitive pricing

    Viraj M.

  • I have already given feedback. Really easy and have referred several colleagues to you over the years

    Judy O.

  • Quick and hassle free insurance cover for small businesses.

    Kelvin C.

  • I rang several insurance brokers/company and this was the one that gave me the quickest, easiest quote without having all my personal detail and having to wait for someone to call me back! Thanks.

    Sharon

  • Easy process with reminders coming through on when to renew insurances by.

    Brett S.

Did you Know?

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

Get the cover that’s right for your business

With BizCover there are 4 levels of Public Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million.

Policies are typically tailored to suit the type of industry your business operates within. However, the amount of cover required will vary from one business to another. When deciding on how much cover you need for your business, consider the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally, think about what your level of risk and exposure could be. What kind of accidents could occur, and what could be the potential cost of a claim?

Could this happen to your business?

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

Here is a real-life claim example:

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

Why choose BizCover for your Public Liability Insurance?

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

New Zealand’s number one online insurance company

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

Clear and competitive pricing

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

Built for small business

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

We won’t confuse you with jargon

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

What does Public Liability Insurance cover?

No matter if your business is big or small, Public Liability insurance provides peace of mind for claims for third party property damage or personal injury.

Public Liability insurance protects your business by providing compensation for property damage and personal injury or death in circumstances not covered by the Accident Compensation Commission (ACC).

The ACC looks after most of the exposure in NZ for accidental personal injury, however it doesn’t provide protection for businesses that export their products. It also doesn’t cover claims for food poisoning, an area which food and hospitality businesses need protection in.

Some examples include:

  • The costs to repair or replace damaged property- for example if you were on the job renovating a client’s home and cause damage to their property.
  • Cover for injury claims- Public Liability insurance typically provides compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs- covers the applicable legal costs related to the cost of defending your claim

What is covered?

  • Compensation for accidental damage to third party property
  • Compensation for personal injury or death to third parties where the ACC does not provide cover
  • Legal and defence costs

What is typically NOT covered?

    • Injury to your employees
    • Damage to your own property
    • Compensation for personal injury whereby cover is provided by the ACC
    • Known claims and circumstances

Protect your business today.

FAQs

What is difference between Public Liability and Professional Indemnity Insurance?

Public Liability insurance protects you and your business against the financial implications if you are found liable for loss or damage to other people’s property, or cause illness or injury that is not covered by the Accident Compensation Commission (ACC).

Professional Indemnity Professional Indemnity (PI) insurance is an important form of protection for businesses that provide specialist services or professional advice. It is designed to respond to claims against your business for losses as a result of actual or alleged negligent acts or omissions in the provision of your professional service or advice. PI Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy.

How much does Public Liability Insurance cost?

There are a whole host of factors that are taken into consideration when calculating the cost of a Public Liability insurance policy.

With such a wide range of industries and occupations that require Public Liability insurance, the cost of a policy can vary considerably, determined by a number of key factors which may include:

  • Your occupation
  • The type and nature of your business activities
  • Your business turnover and size
  • The amount of insurance cover your business requires
  • Other factors that could affect the cost of your Public Liability policy include the location of your business, the inclusions and exclusions of your policy, and the insurance provider you select.

How do I make a claim on my insurance policy?

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

*This information is a general guide only and does not take into account your objectives, financial situation or needs. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

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

Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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