Personal Liability Insurance
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What is Public Liability Insurance?
... own property Personal injury compensation when covered by the ACC Do I really need Public Liability Insurance? The ... and injury risks. Fitness Professionals - Personal trainers, yoga instructors and others working in the ...
read moreWhat does Public Liability Insurance Cover?
... type of cover. Public Liability insurance also does not apply to being compensated for personal injury if it is ... cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here ...
read morePublic Liability Insurance
... mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you ... claims- Public Liability insurance typically provides compensation for personal injury or death ...
read moreDo I need Public Liability Insurance?
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read moreHow 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 ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... , and the details of your Product Liability insurance policy. Product Liability insurance protects your business against claims by third parties relating to property damage or personal injury (not covered by the Accident ...
read morePublic 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 ...
read moreUnderstanding Employers Liability Insurance
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read moreHow to Open a Yoga Studio
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read moreEmerging Auckland Yoga Studio Wins National Small Business Grant
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read moreInsurance for Yoga Teachers
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read moreUnderstanding Insurance, Part One: Public Liability Insurance
... I nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your business by providing compensation for property damage and personal injury or death caused by your ...
read moreWhat 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 ...
read moreStatutory Liability Insurance
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read moreCyber Liability Insurance Explained
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read moreTradie Guide to Public Liability Insurance
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read moreAn Accountants Guide to Understanding Public Liability Insurance
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read moreEmployers Liability Insurance
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read moreHow To Protect Your Plumbing Business With Public Liability Insurance
... you stay around for the long haul. What does Public Liability insurance typically cover? Compensation for accidental damage to third party property Compensation for personal injury or death to third parties where the ACC ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
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read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
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read moreInsurance for Carpenters
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read moreWhy Bookkeepers need Professional Indemnity Insurance
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read more6 Essential Types of Business Insurance in New Zealand
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read moreInsurance for Personal Trainers
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read moreBusiness Insurance
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read moreInsurance for Cleaners
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read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
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read moreCyber Insurance - Is it worth it?
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read moreInsurance for Marketing and Multimedia Professionals
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read moreInsurance options to protect your cleaning business
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read moreThe difference between public liability and professional indemnity insurance
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read moreWhat does business insurance cover
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read moreInsurance 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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read moreWhat every New Zealand tradie needs to know about insurance
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read moreDo I need Business Insurance
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read moreInsurance for Immigration Advisers
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read moreInsurance 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 ...
read moreInsurance for Real Estate Agents
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read moreInsurance 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. ...
read moreInsurance for Plumbers
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read moreInsurance for Painters
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read moreA Tradies Guide To Getting Your Business Insurance Sorted
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read moreDo Hypnotherapists need Business Insurance?
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read moreInsurance for Mechanics
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read moreWhat Photographers Need to Know About Business Insurance
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read moreInsurance Options for Retailers
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read moreWhat is Business Insurance
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read moreInsurance for Architects & Designers
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read moreInsurance for Travel Agents and Tour Operators
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read moreInsurance for Recruitment Consultants
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read moreInsurance for Beauty Salons
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read moreIs Public Liability enough for your cleaning business?
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read moreHow Insurance Can Protect Landscape Architect
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read moreBusiness On The Go? Be In The Know About Business Insurance
... activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover. Product Liability insurance*- protects your business against claims by third parties ...
read moreInsurance for Sole Traders
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read moreInsurance for Contractors
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read moreInsurance for Dog Walkers
... do dog walkers need insurance? Running a small ... personal injuries covered by the ACC Protect your business today. Learn more about Public Liability insurance Ready to learn more about how Public Liability insurance ...
read moreInsurance for Designers
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read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
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read moreRetailer Insurance
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read moreInsurance for Handyman
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read moreDo Dog Walkers Need Insurance?
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read moreTradie Guide to Professional Indemnity Insurance
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read morePortable Equipment Insurance, A Guide For Contractors
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read moreSurprising Ways That Business Insurance Can Help Your Business
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read moreManaging Your Business Insurance During Inflation
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read moreHow To Avoid These Mistakes When Buying Business Insurance
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read moreThe basics of business insurance for all trades of life- a lingo free guide
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read moreInsurance for Mortgage Brokers
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read moreTradies Guide to Business Insurance Packages
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read moreWhat Is Inside A Business Insurance Pack?
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read moreWhat are the Risks in Running a Yoga Studio?
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read moreWhat Insurance Policies do Yoga Studios Need?
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read moreBusiness Tips for Yoga Studios
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read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
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read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
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read moreCyber 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 ...
read moreWhy businesses in New Zealand need to consider Statutory Liability insurance
... . . In far too many cases where companies have neglected to include adequate, or indeed any Statutory Liability insurance as part of their health and safety strategy, the financial blow from just a single breach of ...
read moreAn Accountants Guide to Understanding Cyber Liability Insurance
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read more5 Things To Consider About Public Liability Insurance For Your Small Business
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read moreMassage Therapy Insurance: here's why you need it!
... your reputation in the case of an alleged breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best practice standard for health professionals, but rather a necessity ...
read moreMarketing Tips for Yoga Instructors
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read moreIntroducing our newest cover option: Personal Perishables Cover
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read moreHow Cyber Insurance Protects Small Businesses
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read moreReviews related to Personal Liability Insurance
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Prompt, professional, ease of purchase…and competitive pricing
Viraj M.
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I have already given feedback. Really easy and have referred several colleagues to you over the years
Judy O.
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Quick and hassle free insurance cover for small businesses.
Kelvin C.
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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
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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.