Personal Liability Insurance
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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 moreWhat does Public Liability Insurance Cover?
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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 moreDo I need Public Liability Insurance?
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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?
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read morePublic Liability Insurance
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read more6 Essential Types of Business Insurance in New Zealand
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read moreThe difference between public liability and professional indemnity insurance
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read moreInsurance Options for Retailers
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read moreSmall Business Insurance: Why you might want to ensure you're covered!
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read moreKey things to look out for when Growing Your Small Business
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read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
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read morePreparing your store for the holiday season ahead
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read moreBusiness Risk: What Isn't Covered and Why it Matters
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read moreA Tradies Guide To Protecting Tools
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read moreUnderstanding Employers Liability Insurance
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read moreEmployers Liability Insurance
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read moreCyber Liability Insurance
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read moreStatutory Liability Insurance
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read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
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read moreBusiness Insurance
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read moreProfessional Indemnity Insurance
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read moreInsurance 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 moreInsurance for Personal Trainers
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read moreInsurance for Shop Owners
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read moreInsurance for Consultants
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read moreRetailer Insurance
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read moreInsurance for Plumbers
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read moreInsurance for Painters
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read moreInsurance for Cleaners
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read moreInsurance For Cafes and Restaurants
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read moreInsurance for IT Professionals
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read moreInsurance for Mortgage Brokers
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read moreInsurance for Engineers
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read moreInsurance for Photographers
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read moreBusiness Insurance FAQs
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read moreInsurance for Hairdressers
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read moreInsurance for Handyman
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read moreA Tradies Guide To Getting Your Business Insurance Sorted
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read moreWhat Photographers Need to Know About Business Insurance
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read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
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read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
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read moreDo I need Business Insurance
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read moreWhat does Professional Indemnity Insurance Cover?
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read moreWhat is Business Insurance
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read moreHow much does Professional Indemnity Insurance cost?
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read moreDo I need Professional Indemnity Insurance Insurance?
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read moreInsurance for Real Estate Agents
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read moreTool and Portable Equipment Insurance
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read moreInsurance for Bookkeepers
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read moreIntroducing Work From Home Insurance
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read moreCyber Insurance - Is it worth it?
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read moreThings you didn't know about small business insurance
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read moreVideo Centre
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read moreBizCover and Massage New Zealand
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read moreBizCover and NSNZ
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read moreMassage Therapy Insurance: here's why you need it!
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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 moreIt's Time for an Insurance Health Check!
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read moreBizCover expands its insurance offer and launches a new look
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read moreThings to consider when purchasing business insurance
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read moreUnderstanding Insurance, Part 3: Business Insurance
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read more7 Things for Accountants to Consider When Applying for Professional Indemnity Insurance
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read moreHow the cost of Professional Indemnity insurance is calculated
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read moreWhat do you need to know about Professional indemnity insurance?
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read moreUnderstanding Insurance, Part Two: Professional Indemnity Insurance
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read moreReviews related to Personal Liability Insurance
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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?
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- 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.