Public And Product Liability Insurance
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What is Public Liability Insurance?
... Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and ... goods have caused damage or injury. Product Liability insurance covers you if any of these events ...
read moreHow much does Public Liability Insurance cost?
... pay between $40 and $59 per month for their Public Liability insurance, and only six percent pay ... product or service, the more it will usually cost. However, fortunately when it comes to Public Liability insurance ...
read moreWhat does Public Liability Insurance Cover?
... out those who export products or any businesses at risk of cr food poisoning claims – an area that food and hospitality businesses need protection in. The purpose of Public Liability insurance is to give your business ...
read moreDo I need Public Liability Insurance?
... a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* is an important type of cover, as it can provide protection for you and your business if a customer, member of the ...
read morePublic Liability Insurance
... their products. It also doesn't cover claims for food poisoning, an area which food and hospitality businesses ... Public Liability and Professional Indemnity Insurance? Public Liability insurance protects you and your ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... Product Liability insurance* and what it is designed to protect contracting business' from. What is Product Liability insurance? Product Liability insurance is often sold as part of a Public Liability insurance* policy ...
read morePublic Liability Insurance Explained
... insurance and the different kinds of products that are available. Let's delve into our simple guide on Public Liability insurance explained. What is Public Liability Insurance*? Public Liability insurance protects ...
read moreWhat does Public Liability Insurance Cover?
... )) caused by your products. This is usually part of your Public Liability insurance policy. The purpose of Public Liability insurance is to give your business protection against unwanted and unforeseen risks. While you ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... owner, protecting your business and your customers with Public Liability insurance is one of the most ... Public and Product Liability? What are the inclusions and exclusions of your Public Liability policy? And finally ...
read moreInsurance for IT Professionals
... Public and Product Liability insurance offers important cover for IT Professionals and their legal liability ... 't confuse you with jargon We're not fans of complicated insurance speak, so we talk to you in plain English. If ...
read moreInsurance For Cafes and Restaurants
... want to consider ensuring you have cover for Product Liability with your Public Liability insurance. Get more information Want to know more about insurance and other tips and tricks to help your food business? Head to ...
read moreInsurance Options for Retailers
... products Some Public Liability insurance policies include cover for Product Liability cover. Money and Theft cover* Part and ... expenses (such as wages or rent). Building Insurance and Glass cover* If you own your retail ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
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read moreInsurance for Allied Health Professionals
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read moreBusiness On The Go? Be In The Know About Business Insurance
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read moreA Designer's Guide To Understanding Cyber Liability Insurance
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read moreUnderstanding Insurance, Part One: Public Liability Insurance
... or defective product that you have manufactured or sold Injury or illness due to your negligence that is not covered by the ACC What does Public Liability Insurance cover and exclude? A Public Liability Insurance policy ...
read moreAn Accountants Guide to Understanding Cyber Liability Insurance
... overview of some of the basics of Cyber Liability insurance and what it provides coverage for. Cyber liability insurance is a type of business insurance product which protects your business against both the legal costs ...
read moreThe difference between public liability and professional indemnity insurance
... legal action they offer different forms of protection. Public Liability Insurance VS Professional Indemnity Insurance Public Liability insurance protects you and your business against the financial implications if you ...
read moreUnderstanding Cyber Liability Insurance – A Guide For Engineers
... today. Not only do we provide Cyber Liability insurance, but Professional Indemnity insurance* for engineers, Public Liability insurance* and other insurance options to help safeguard your engineering firm. Visit ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... about this important form of cover. So, what exactly is Public Liability insurance? Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... provide cover for, what they exclude, and a few things to keep in mind as an SME. Public Liability insurance explained Public Liability insurance is designed to provide protection for you and your business in the event a ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... and chartered accountants insurance products, two of the main types of insurances you may encounter are Public Liability insurance and Professional Indemnity insurance*. We've covered the basics of what Public Liability ...
read moreBusiness Insurance
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read moreHow To Avoid These Mistakes When Buying Business Insurance
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read moreInsurance for Marketing and Multimedia Professionals
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... Cyber Liability insurance sorted so you have one less thing to worry about. At BizCover, we understand many types of small businesses and their unique business insurance needs. Insurance products purchased through ...
read moreInsurance for Hairdressers
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read moreInsurance for Cleaners
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read moreWhat are the Risks in Running a Hair and Beauty Salon?
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read moreWhy You Should Review Your Business Insurance
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read moreWhat every New Zealand tradie needs to know about insurance
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read moreOnline service saves SMEs hundreds on their business insurance
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read moreBizCover and NZ Qualified Bookkeepers Association
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read moreBusiness Insurance FAQs
... questions that you may have about business insurance policy. From understanding the ins and outs of your Public Liability, Professional Indemnity or Business Insurance policy our FAQ's can guide you to find the answers ...
read moreAn Engineers Guide To Understanding Professional Indemnity Insurance
... occurred prior to the period of insurance Acts of fraud and dishonesty Accidental injury and property damage (these kind of claims would typically be covered by Public Liability insurance*) What may cause a Professional ...
read more4 Things To Check Before Buying Your Business Insurance
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read more6 Essential Types of Business Insurance in New Zealand
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... Acts of dishonesty or fraud Accidental injury and property damage Claims or events that are known before taking out insurance Public Liability Public liability insurance helps protect your business against claims of ...
read moreInsurance for Handyman
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read moreBizCover expands into New Zealand and launches BizCover.co.nz
... includes professional indemnity insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance products. To obtain a ...
read moreInsurance for Shop Owners
... insurers Public Liability and Glass Cover Easy online purchase-no paperwork required Why do Shop Owners need Insurance? Being a shop owner can be a rewarding experience. You make an honest living, selling products or ...
read moreRetailer Insurance
... public liability insurance and glass insurance before signing a lease. Insurance for Retailers Public Liability* ... and hackers can disrupt your network operating system, making it impossible for you to sell your products ...
read moreThings to consider when purchasing business insurance
... different types of business insurance products available: Professional Indemnity insurance *: is an important ... by the policy. Public Liability insurance* : is designed to provide protection for you and your business in the ...
read moreHow Accountancy Insurance Protects Your Business
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read moreWhy Bookkeepers need Professional Indemnity Insurance
... Indemnity insurance * (a common term used when referring to a selection of business insurance products tailored ... , including Public Liability insurance , Statutory Liability insurance , and Cyber Liability insurance . But ...
read moreHow Insurance Can Protect Landscape Architect
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read moreBusiness Insurance Health Check Part 2
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read moreKey things to look out for when Growing Your Small Business
... pay the bills and keep the machine running ... insurances - public liability and professional indemnity - are crucial. Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability ...
read moreWhat 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 incidents Public ...
read moreHow 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 * . ...
read moreWhat Insurance Policies do Yoga Studios Need?
... why yoga teachers and studio owners buy business insurance. Here are a few: It may be required Some types of insurance may be required to do business. For example, commercial landlords commonly require Public Liability ...
read moreBusiness Tips for Yoga Studios
... messaging across all of the marketing you do to promote your yoga studio and yoga teaching. Seek the help of others Being a yoga teacher and being a small business owner require two very different skill sets. Whether ...
read moreEmerging Auckland Yoga Studio Wins National Small Business Grant
... and learn to love, accept and support themselves in their daily lives.” The leap from yoga teacher to ... a larger practice space and to add a wellness clinic to the studio” Thanks for getting your insurance with BizCover . ...
read moreCyber Liability Insurance Explained
... Liability insurance and how ... Liability insurance sorted so you have one less thing to worry about. At BizCover, we understand many types of small businesses and their unique business insurance needs. Insurance products ...
read moreCyber Liability Insurance
... and buy online What’s covered? What is Cyber Liability Insurance? Cyber liability insurance is a type of business insurance ... to the businesses production of stock and products. Small business professionals are also at ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... it is worth considering Cyber Liability insurance and how it can protect your business. What is Cyber Liability insurance? Cyber Liability Insurance protects your business against the expense and legal costs arising from ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
... the day! Find out how Public Liability and business insurance can help protect your plumbing business for the long haul. What is Public Liability Insurance ? Public Liability insurance is designed to provide protection ...
read moreUnderstanding Employers Liability Insurance
... is typically included in an Employers Liability insurance policy: What is typically covered? Costs ... to business insurance, with each and every business exposed to its own unique risks. At Public Liability Insurance, we ...
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 health ...
read moreEmployers Liability Insurance
... violence They can cover injuries or conditions that happen over time and are caused by the type of work you do. This ... between Employers Liability and Public Liability Insurance? Employers Liability insurance protects you ...
read moreStatutory Liability Insurance
... which are covered by the policy. What is the difference between Statutory Liability insurance and Public Liability insurance? Public Liability insurance is intended to protect against different risks than what Statutory ...
read moreHow To Protect Your Plumbing Business With Public Liability Insurance
... 's take a look at how Public Liability and business insurance can help protect your plumbing business for the long haul. What is Public Liability Insurance? Public Liability insurance is designed to provide protection ...
read moreTradie Guide to Public Liability Insurance
... employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing the ... licence. You may need to hold Public Liability insurance to access and perform trade work on certain building ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... our guide we go over the basics of what Public Liability is and how it may help protect your contracting business. What is Public Liability insurance? Public Liability insurance is designed to provide protection for you ...
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!
... and maintain a Professional Liability Insurance package. #1 Protect against claims of negligence, malpractice and ... and defence costs, court attendance costs, public relations costs, damages awarded against you, and loss ...
read moreInsurance for Photographers
... , chose your own niche, interact with varied and interesting people, and flex your creative limbs. Yet whether you are ... General Liability insurance, Public Liability insurance is designed to provide protection for you and ...
read moreMarketing Tips for Yoga Instructors
... of your yoga classes or yoga studio you identify ... insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance quickly and ...
read moreInsurance options to protect your cleaning business
... is Public Liability Insurance * ? 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 ...
read moreCyber Insurance - Is it worth it?
... Public Relations Business Interruption Cyber insurance is available for first-and third ... of identity theft, scams, hacking, and data loss. Cyber liability insurance provides comprehensive coverage for the various cyber ...
read moreInsurance for Personal Trainers
... to a gym, a fitness studio or work within a public space like a council park for example. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...
read moreWhy Insuring Your Tools Of Trade And Portable Equipment May Help Your Business
... your Product Disclosure Statement or get in contact with your insurance ... and beauty products, tools and equipment quickly add up. For personal trainers and yoga instructors specialised pieces of equipment and products ...
read moreBizCover adds Ando Insurance to its NZ business insurance platform
... 's Head of Product, Channels & Risk. “Their initial offering adds a comprehensive alternative for our customers in an important line of cover, creating greater access to insurance for SMEs and contributing to competitive ...
read moreWhat does business insurance cover
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read moreInsurance by Industry
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read moreHow your tradie businesses can save time and money this EOFY
... in the policy wording. The information contained on this web page is general only and should not be relied upon as advice Public Liability Insurance is a business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL ...
read moreDo I need Professional Indemnity Insurance Insurance?
... to sort this through a broker …and the insurance you found me was almost half ... the price of what the broker offered. Great service Gabrielle R. Communications Consulting Great product ...
read moreProfessional Indemnity Insurance- a Guide for Real Estate Agents
... a coffee and take some time to really understand what your Professional Indemnity insurance policy provides cover for. If you are not sure about your specific policy's coverage, check your Product Disclosure Statement ...
read moreProfessional Indemnity Insurance – A Guide For Real Estate Agents
... a coffee and take some time to really understand what your Professional Indemnity insurance policy provides cover for. If you are not sure about your specific policy's coverage, check your Product Disclosure Statement ...
read moreWhat Is Inside A Business Insurance Pack?
... due to theft, fire and other perils listed in the wording, anywhere in New Zealand. Cyber Liability insurance: Cyber liability insurance is a type of business insurance product which protects your business against ...
read moreThings you didn't know about small business insurance
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read moreBizCover and Massage New Zealand
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read more4 Areas You May Not Have Thought Business Insurance Covers
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read moreIt's Time for an Insurance Health Check!
... of cover? For example, if your business is growing 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 ...
read moreBizCover and NSNZ
... and accidental damage. Professional Liability Package for Nutritionists The NSNZ Liability package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability ... . Insurance can ...
read moreBizCover and Boost Your Business
... advice you have provided. Public Liability Insurance* Protects you and your business from third ... time. Lindy Q. Keep up the great work! Rob C. prompt and efficient. Thank you Grant P. Need Help? Visit our Contact Us page ...
read moreBizCover and Reflexology NZ
... Professional Liability Package provides essential financial protection in the event of a claim being made against your business. BizCover is proud to be the preferred insurance ... Indemnity and Public Liability. Professional ...
read moreIs it time to give your retail business an insurance health check?
... information contained on this article is general only and should not be relied upon as advice. © 2022 BizCover Pty Limited, all rights reserved. Public Liability Insurance is a trading name of BizCover Limited. BizCover ...
read moreIs Public Liability enough for your cleaning business?
... listed within the policy wording. Both Portable Equipment insurance* and Public Liability insurance* can be found within a Business Insurance Pack* . An insurance package is designed to provide cover for your business ...
read moreManaging your Public Liability risks as a tradie
... without running the risk of not having proper coverage in place. Things can change quickly, and the type of Public Liability insurance you may have originally taken out for your tradie business may not be up to date ...
read moreUnderstanding Insurance, Part 3: Business Insurance
... in operation. Th e cost of th ings like your furniture and electronic items can quickly add up if you ha ve to ... claims and circumstances Business Insurance coverage types explained: Building* Building insurance provides ...
read moreBizCover expands its insurance offer and launches a new look
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read moreBizCover and NZ Retail
... and for loss of revenue due to business interruption in specified circumstances. Public Liability Insurance* Public Liability insurance ... in touch with one of our business insurance professionals. You can also access quick ...
read moreDo Dog Walkers Need Insurance?
... and potentially forcing you to pack away the leash. That's where dog walking liability insurance comes into play. A Public Liability ... is brought against your business, your Public Liability policy can help foot the bill ...
read moreTradie Guide to Professional Indemnity Insurance
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read moreReviews related to Public And Product 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
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Quick and hassle free insurance cover for small businesses.
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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.
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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.