Public And Product Liability Insurance

Public And Product Liability Insurance

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What is Public Liability Insurance?

... insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your business free of financial risk. Phew!Most public liability policies also extend to Product Liability ...

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What 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 ...

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Insurance 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 ...

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How 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 ...

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What does Public Liability Insurance Cover?

... 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. The purpose of Public Liability insurance is to give your ...

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Do 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 ...

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Public 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 ...

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Preparing your store for the holiday season ahead

... in unexpected payment for compensation and legal expenses. Ensure your Public Liability insurance policy has adequate cover to protect you and your business against a public liability claim. Reduce shoplifting The busier ...

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A Tradies Guide To Protecting Tools

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Insurance for IT Professionals

... a button, you can compare quotes from leading NZ insurers and find the coverage you need, in minutes. Did you ... Public and Product Liability insurance offers important cover for IT Professionals and their legal liability ...

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Insurance for Allied Health Professionals

... them; you can rely on us to look after your business insurance. As an allied health professional, small mistakes can have big ... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance ...

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Cyber Liability Insurance

... Cyber Liability Insurance is designed to protect your business against the expense and legal costs ... . Was nice to know I could make my own decision and then easily follow through with it. Great support, really appreciated ...

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Tool and Portable Equipment Insurance

... Public Liability and Tool Insurance What's typically NOT covered*? Things to consider Tool and Portable Equipment Insurance? Tool and Portable Equipment Insurance ... one of our business insurance professionals. You can also ...

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Employers Liability Insurance

... Insurance for Shop Owners Options to look into include: Public Liability* Public Liability Insurance* Some popular insurance ... Employers Liability and Public Liability Insurance? Employers Liability insurance protects ...

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Statutory Liability Insurance

... Liability insurance ... public watercourse Protect your business today. FAQs How much does Statutory Insurance cost? There isn't a one-size fits all price when it comes to Statutory Liability insurance policies. Each and ...

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Business Insurance

... of cover, there may be some situations where certain types and levels of cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain ...

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Insurance 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 ...

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BizCover and NZ Qualified Bookkeepers Association

... and specialist knowledge, so if something goes wrong you could be held liable. That's why a Professional Liability ... costs, investigator costs and expert fees). Public Liability Public Liability insurance** is designed to ...

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Insurance for Shop Owners

... Public Liability insurance and Glass insurance. ... and advice? In addition to providing your customers with products, if you provide professional advice or services you may want to consider Professional Indemnity insurance ...

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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 ...

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BizCover 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 ...

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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 ...

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Retailer 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 ...

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BizCover 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 ...

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Insurance for Hairdressers

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Insurance for Handyman

... . An easier way to get the right insurance cover is just to give us a call - and we will do the rest. Did you ... to get the best public liability cover and complete peace of mind. Business Insurance* The success of your ...

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Insurance for Painters

... Public liability policies usually cover only the insured and their employees, not subcontractors. Insurance for Painters Public Liability* Public Liability ... with one of our business insurance professionals. You can also ...

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Insurance for Cleaners

... if things go pear shaped. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and your business if a customer ...

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How Cyber Insurance Protects Small Businesses

... 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 ...

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Insurance For Cafes and Restaurants

... require the tenant to have both Public Liability insurance and Glass insurance before signing a lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance  is  designed to provide protection ...

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Insurance for Mortgage Brokers

... public liability cover can defend you against compensation claims and legal costs in the event of physical injury or property damage should they arise. Business Insurance Business Insurance ... insurance professionals ...

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Insurance for Consultants

... also need to advise Inland Revenue that you've become a sole trader and you'll need to register for GST if you earn over $60 ... Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer ...

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Insurance for Architects & Designers

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Insurance for Engineers

... and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities ... touch with one of our business insurance professionals. You can also access quick ...

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Professional Indemnity Insurance

... hold a certain level of PI insurance? What is the value of the ... and its unique insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance protects you and ...

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Introducing Work From Home Insurance

... never be the same. Get your work from home insurance before your next meeting goes wrong—available April 1st ... 6/5 for Customer Experience IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE ...

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Insurance for Accountants & Tax Agents

... ? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against ... have my main question re the insurer answered over the phone and it was a nice personal touch to be followed up in ...

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BizCover 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 ...

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BizCover and NZ Retail

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Insurance for Tradesmen

... difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you ... difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you ...

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Insurance for Personal Trainers

... and not just the settlement amount. Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability ... reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity ...

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Insurance for Beauty Salons

... accidents do happen, and damage can be expensive to fix. Public Liability Insurance provides peace of mind ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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Insurance for Plumbers

... hold a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting an ... having Public Liability insurance . As a plumber it is a vital form of cover that protects you and your ...

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Why You Should Review Your Business Insurance

... insurance. Read the below carefully: Public Liability *: is designed to provide protection for you and ... information is usually outlined in your product disclosure statement (PDS) and can usually be accessed online through ...

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Insurance for Immigration Advisers

... * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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BizCover and n3

... or advice you have provided. Public Liability protects you and your business from third-party legal ... out how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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Insurance for Bookkeepers

... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ... the pump with our work and the phone call this ...

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Insurance for Real Estate Agents

... Public Liability This insurance is an essential component of any business' insurances. It covers your liability to third parties for any property damage and ... with one of our business insurance professionals. You can also ...

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Insurance for Travel Agents and Tour Operators

... and/or tender processes Protect your business today. * * As with any insurance, cover will be subject to the terms, conditions and ... in touch with one of our business insurance professionals. You can also access quick links ...

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Insurance for Recruitment Consultants

... employees for your clients is your expertise and getting you the right insurance is ours. With just a few ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Understanding 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 ...

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Insurance by Industry

... is why our comprehensive insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of ...

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What does business insurance cover

... the most. Business Interruption insurance provides cover for the loss of income and increased costs of operating ... how to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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It'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 ...

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What does Professional Indemnity Insurance Cover?

... difficult to cover without the protection of the right insurance. What actions could result in a claim? All it ... provide cover for: Damages and claimant costs awarded against you Civil liabilities which may arise from but ...

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What is Business Insurance

... Find out more about the types of Business Insurance available and what kind of coverage they provide. Protect your ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Do I need Business Insurance

... few examples of how Business Insurance can protect different types of businesses and their areas of risk. Tradesmen ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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What is Professional Indemnity Insurance?

... would be an admission of guilt and have worse repercussions on your reputation! ... liability if something goes wrong. Protect your business today. * As with any insurance, cover will be subject to the terms, conditions and ...

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Cyber Insurance - Is it worth it?

... means that if your business has customer or vendor relationships and processes customer-sensitive (non public) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies ...

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Reviews related to Public And Product Liability Insurance

  • Very good and it is helpful

    Rafey Shamas
    Television Antennae Installation

  • Great service, quick and easy to apply

    Fiona Morrison
    Retail

  • Prompt and efficient

    Helena Coolen
    Entertainment

  • 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

  • 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

  • You made the purchasing of public liability cover simply easy and straight forward

    Peter McLaughlin
    Trades & Services

  • 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

  • Quick and easy renewal. Thanks

    Ray Gesta
    Allied Health

  • Easy renewal process and very quick.

    Odette Wood
    Allied Health

  • Great service, easy to follow and easy to purchase

    Briana Nathan
    Allied Health

  • Thanks so much for the clear information and for making it so easy amd hassle-free!

    Alanna Clerkin
    Allied Health

  • Very helpful and friendly service

    David Slater
    Allied Health

  • Fast friendly and very good service thank you

    Gerald Eaton
    Allied Health

  • Quick and easy to use, had no issues getting a quote or paying once I'd decided to go with Bizcover.

    Ness Macdonald
    Allied Health

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. 

 

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