Personal Liability Insurance

Personal Liability Insurance

GET INSTANT QUOTES Multiple quotes from leading NZ insurers Compare and buy online No hassle, no paperwork, no delays

What is Public Liability Insurance?

... insurance too, so all's well that ends well should an accident occur from their negligence. Protect your business today. A Public Liability claim could result from Accidental damage to a third party's personal property ...

read more

What does Public Liability Insurance Cover?

... personal injury. Public Liability insurance protects your business by providing compensation for property damage and personal ... financial situation. Having the right Public Liability insurance in place is vital for helping ...

read more

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 ...

read more

Do I need Public Liability Insurance?

... Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is ... articulate. Dennis M. Counselling Service – Personal Thank you for following up and getting ...

read more

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 ...

read more

Public Liability Insurance

... not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much as ... injury claims- Public Liability insurance typically provides compensation for personal injury or death to ...

read more

Insurance Options for Retailers

... to go wrong. Having the appropriate retailers insurance in place to protect your retail store is ... Liability insurance. It protects your business against claims by third parties relating to property damage or personal ...

read more

A Tradies Guide To Protecting Tools

... * 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 tool cover, covers you for loss ...

read more

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 ...

read more

Employers Liability Insurance

... personal injury (not covered by the ACC). This includes defence costs cover. Is Employers Liability Insurance ... may to find out how much an Employers Liability insurance policy will cost your business is by getting a ...

read more

Cyber Liability Insurance

... crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

read more

Statutory Liability Insurance

... ’s covered & what’s not? Statutory Liability Insurance For Your Business New Zealand businesses are facing ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

read more

Business Insurance

... mandatory. For example Public Liability or Professional Liability insurances are a common requirement for ... . Does Personal Insurance Cover Business Insurance? It's important to be aware that your personal insurance may not ...

read more

Professional Indemnity Insurance

... that you must hold a certain level of PI insurance? What is the value of the jobs that you ... insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance ...

read more

Insurance by Industry

... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance ... call us for personal assistance at 0508 ...

read more

Insurance for Personal Trainers

... . Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ... addition, it's likely a requirement to provide your own insurance if you are contracted to a gym or fitness studio, ...

read more

Insurance for Shop Owners

... Liability insurance can assist with are unintended loss or release of customer personal ... R . Responsive, helpful staff. I just need to ensure the insurance works ? and I am happy to recommend BizCover to my colleagues ...

read more

Insurance for Consultants

... sole trader in New Zealand, you must have: A personal IRD number for paying income tax and GST Relevant ... you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which ...

read more

Insurance for Architects & Designers

... and Designer insurance today from ... personal information and client information online means you are instantly at risk of potential cyber attacks and data breaches. Reinforce your cybersphere with Cyber Liability insurance ...

read more

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. ...

read more

Insurance for Accountants & Tax Agents

... or an inadvertent error with Cyber Liability insurance, which provides coverage for expenses like ... the insurer answered over the phone and it was a nice personal touch to be followed up in person. Tracey M. Business ...

read more

Insurance for Tradesmen

... , that's where business insurance can help save the day ... insurance? Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal ...

read more

Insurance for Beauty Salons

... Liability Insurance provides peace of mind against claims made against you by third parties for property damage, and personal ... get in touch with one of our business insurance professionals. You can also access quick links ...

read more

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 ...

read more

Insurance for Plumbers

... plumber's association you may be required to hold a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting an expensive claim for property damage flush your business away ...

read more

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 can ...

read more

Insurance for Cleaners

... all the messy bits of searching for cleaner's insurance. In just a few clicks or a phone ... personal asset risk if things go pear shaped. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance ...

read more

Insurance For Cafes and Restaurants

... At BizCover we offer a menu of insurance options from some of New Zealand's ... Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance ...

read more

Insurance for IT Professionals

... toll on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following ... in touch with at least 2 brokers to get some public liability sorted for over a year so thanks for the speedy ...

read more

Insurance for Mortgage Brokers

... made against your business. Public Liability Public liability insurance helps protect your business against ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

read more

Insurance for Engineers

... You may need public liability insurance to protect yourself against any claims and liabilities that arise due to ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

Insurance for Photographers

... Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

Business Insurance FAQs

... . What is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does professional indemnity insurance cover? Do I ...

read more

Insurance for Hairdressers

... you having public liability insurance . Protect your business today. Business Insurance* Your business ... months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the ...

read more

Insurance for Handyman

... ranging risks in minutes. An easier way to get the right insurance cover is just to give us a call - and we ... website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A ...

read more

Do I need Business Insurance

... pocket. Mortgage Brokers with a home office Business Insurance is designed to provide cover for your contents and ... No one in their right mind us going to share personal details with you if you don?t provide context to ...

read more

What does Professional Indemnity Insurance Cover?

... very difficult to cover without the protection of the right insurance. What actions could result in a claim? All it ... Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited ...

read more

What is Business Insurance

... , theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

What does business insurance cover

... valuable assets that you will want to insure. Building insurance covers your building if it is damaged as a ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

What is Professional Indemnity Insurance?

... arm and a leg! Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional advice ... in liability if something goes wrong. Protect your business today. * As with any insurance, ...

read more

Insurance for Immigration Advisers

... to ring to just ask a quick question about personal vs business coverage and Kate was super helpful! Thanks ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

Insurance for Real Estate Agents

... Public Liability This insurance is an essential component of any business' insurances. It covers your liability to ... and understand! Good work ? Daniel W. Personal Fitness Trainer/Service easy process Murray S. Handyman ...

read more

Tool and Portable Equipment Insurance

... online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered*? ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

read more

Insurance for Bookkeepers

... to arrange your business insurance - just a few ... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ...

read more

Introducing Work From Home Insurance

... never be the same. Get your work from home insurance before your next meeting goes wrong—available April 1st ... Experience IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE Janette W ...

read more

Insurance for Travel Agents and Tour Operators

... itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can ... you excellent service. It is much easier to organise insurance with you over the phone. Joelle W . Appreciate ...

read more

Insurance for Recruitment Consultants

... date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

Cyber Insurance - Is it worth it?

... In the case of eBay, hackers managed to steal personal records of 233 million users. The hack saw usernames, ... ) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies— ...

read more

Why do brilliant business ideas sometimes fail?

... Public Liability insurance * Professional Indemnity insurance * Business Insurance * Building insurance * Contents insurance * Business Interruption insurance * Portable Equipment insurance* Cyber Liability insurance* It ...

read more

6 Reasons why some small businesses fail

... your personal ... Liability insurance* Professional Indemnity insurance * Business Insurance* Building insurance* Contents insurance* Business Interruption insurance* Portable Equipment insurance* Cyber Liability insurance ...

read more

Video Centre

... about Liability Insurance What is Public Liability Insurance? What is Professional Indemnity Insurance? What ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

read more

BizCover and Massage New Zealand

... be held liable. A Professional Liability Package provides important financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance partner of Massage New ...

read more

BizCover and NSNZ

... Business Insurance at an additional cost to protect against material damage losses suffered due to an unexpected event, like fire, storm, theft, natural disasters and accidental damage. Professional Liability Package ...

read more

How Cyber Insurance Protects Small Businesses

... return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ... stolen devices How to get Cyber Liability insurance? While Cyber Liability insurance won't prevent an attack, ...

read more

It's Time for an Insurance Health Check!

... and your level of exposure increases you may need to consider increasing the level of public liability insurance that you hold. Are there statutory requirements you need to meet (certain contracts may have minimum ...

read more

Why You Should Review Your Business Insurance

... thing which shouldn't be forgotten is reviewing your business insurance. It's often one of those set and forget things ... on the type of your insurance. Read the below carefully: Public Liability *: is designed to provide ...

read more

Reviews related to Personal Liability Insurance

  • 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

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby
    Manufacturing

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    Janette Wallbutton
    Real Estate

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett
    Medical

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu

    Layla Dowthwaite
    Consultancy Occupations

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    Information Technology

  • They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn

    Monique Princen
    Information Technology

  • The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover

    Quentin Duff
    Trades & Services

Independent feedback from our customers rated our service at excellent.

Get the cover that’s right for your business

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

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

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

What does Public Liability Insurance cover?

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

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

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

Some examples include:

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

What is covered?

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

What is typically NOT covered?

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

Protect your business today.

FAQs

What is difference between Public Liability and Professional Indemnity Insurance?

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

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

How much does Public Liability Insurance cost?

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

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

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

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

Need Help?

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

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

 

Popular Searches