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Do I need Public Liability Insurance?

... having to pay in full damages in the event it is found to be liable following a Public Liability claim. Even the smallest of incidents could significantly impact the financial situation of your business. How much ...

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What does Public Liability Insurance Cover?

... ACC does not provide cover Legal and defence costs ; When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses from the financial impact of claims made against ...

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How much does Public Liability Insurance cost?

... employees and the amount of revenue your business turns over can have an impact on the cost of your Public Liability policy. Unlike the 'safety in numbers' theory, the more employees you have, the more likely it is to ...

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What is Public Liability Insurance?

... empty pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would ...

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Public Liability Insurance

... ; ; 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 ...

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What does Public Liability Insurance Cover?

... . If one considers the legal defence costs alone, these could put you out of business. With the right Public Liability cover in place, the insurance company will provide the funds to cover your legal costs and any ...

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Insurance Options for Retailers

... look at some of the insurances available through BizCover which can help protect your retail business. Public Liability insurance* This is one of the first insurances a retail business will typically take out to ...

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Types of small business insurance in New Zealand

... yourself against claims arising from an act, omission, or beach of duty in the course of your work. Your Public Liability policy does not provide protection if there is financial loss only or if the cause of the loss was ...

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Insurance for Shop Owners

... can arise from the daily operations of your retail business and that's where Public Liability insurance comes into play. Public Liability insurance is designed to provide protection for you and your business in the event ...

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Insurance for Handyman

... and other features offered by each policy. BizCover is the go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A few clicks are all it takes to get the best ...

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Insurance for Painters

... cover only the insured and their employees, not subcontractors. ; Insurance for Painters Public Liability Public Liability is perhaps the most important insurance option for painters to consider. It will ...

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Insurance for Plumbers

... Don't risk letting an expensive claim for property damage flush your business away by not having Public Liability insurance. As a plumber it is a vital form of cover that protects you and your business against ...

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Insurance for Tradesmen

... accidentally lost control and damaged the side of his client's house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation ...

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Insurance by Industry

... insurance offer includes Professional Indemnity insurance, Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability Insurance for a variety of occupations. You ...

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Insurance for Photographer

... and break a bone as you were directing their movements? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for you and your business in the event a customer ...

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Insurance For Cafés and Restaurants

... lass insurance before signing a lease. ; Insurance for cafés and restaurants Public Liability* Public Liability insurance is  designed to provide protection for you and your food business ...

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Insurance for Cleaners

... risk if things go pear shaped. ; Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing ...

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Bizcover and Nutrition Society of NZ

... for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability – protects against damages arising from a claim for third party property damage or bodily injury ...

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Insurance for Allied Health Professionals

... your home or business, or if you visit their premises, you should seriously consider taking out public liability insurance for your protection. ; Claim example A yoga instructor hired premises in a busy centre to ...

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Insurance for Personal Trainers

... incurred for any action taken against you for a combination of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or damage caused by or arising from an tuition ...

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BizCover and NZ Retail

... , glass and for loss of revenue due to business interruption in specified circumstances. Public Liability Public Liability insurance** is designed to provide protection for your retail business in the event a ...

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Retailer Insurance

... lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance Fire, extreme weather, natural catastrophes like earthquakes and vandalism are just ...

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Insurance for Mortgage Brokers

... a claim as well as the potential cost of a settlement could put you out of business. The right public liability cover can defend you against compensation claims and legal costs in the event of physical injury or property ...

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Insurance for Engineers

... to someone on your premises or where you conduct your business. Some large projects might insist on Public Liability being in place before you go on site. Business Insurance Most businesses will have assets of some ...

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Insurance for Consultants

... spilling coffee all through a clients laptop could end up costing you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which may arise from a claim of third party ...

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Insurance for IT Professionals

... be a grey area as to whether the claim falls under a Professional Indemnity or Public Liability policy, so it's wise to consider a liability package with combined cover from the same insurer. That way there will be no ...

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Insurance for Hairdressers

... If you lease your premises, then your landlord will more than likely insist on you having public liability insurance. Business Insurance Your business assets are as critical as your customers to maintain the cash ...

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BizCover and Reflexology NZ

... for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability Protects against damages arising from a claim for third party property damage or bodily ...

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Insurance for Architects & Designers

... need it? If you have regular contact with clients, contractors and the general public, then the short answer is yes. Public Liability insurance is an important form of cover to protect you from financial losses arising ...

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Insurance for Real Estate Agents

... estate, poor property management, allegations of misleading or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your ...

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Insurance for Beauty Salons

... are renting your beauty salon space, check if your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your stock, contents and salon equipment if it was lost ...

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Bizcover and Massage NZ

... for claims arising from negligent acts, errors or omissions involving a breach of professional duty Public Liability Protects against damages arising from a claim for third party property damage or bodily ...

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Insurance for Accountants & Tax Agents

... visit your office for their calculations? Or do you provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against financial losses arising from claims ...

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BizCover and Boost Your Business

... losses or legal action taken against your business for services or advice you have provided. Public Liability Insurance Protects you and your business from third party legal claims for property damage or personal ...

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BizCover and PriceMe

... . Customise your cover by picking and choosing the types of policies relevant to your business. Public Liability Insurance Protects you and your business from third party legal claims for property damage or ...

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BizCover and n3

... losses or legal action taken against your business for services or advice you have provided. Public Liability protects you and your business from third-party legal claims for property damage or personal ...

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It's Time for an Insurance Health Check!

... 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 to meet (certain contracts may have ...

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Customer Spotlight: Scotchbox

... his Scotchbox stock. “I chose to insure my business because I want to be protected from public liability, selling food and drink to consumers and alcohol specifically I could be responsible for issues or problems ...

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Statutory Liability Insurance

... positions being held more accountable and responsible for their actions in the workplace. Statutory Liability Insurance protects you, your business and your employees, including directors, trustees and managers ...

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Employers Liability Insurance

... to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee ...

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Cyber Liability Insurance

... estimated costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches ...

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Cyber Insurance - Is it worth it?

... of dollars per year. But cyber risk is not just about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft or loss of a device. Like the Australian case of ...

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Help Protect your small business' reputation

... suing party, it also offers coverage for public relations expenses to help prevent or minimise reputational damage whilst your business is under scrutiny. Employers Liability Insurance Being the director or part of ...

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What does Professional Indemnity Insurance Cover?

... regardless of how big or small it is. Professional Liability insurance is designed to protect your business from legal claims ... libel or slander – resulting in public relations and reputation management costs Damages ...

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Customer Spotlight - Pirate & Queen

... the LitCrawl festival in Wellington - a festival of literature set in local bars, cafes, venues, book stores, and public spaces. It began as 14 events and has since grown to over 50 events, with 150 artists and over 5 ...

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Understanding the risks for Real Estate Agents

... of the sale of property the agent must communicate it as soon as the information arises or face possible liability for any issues. For example, if the agent was aware of a plumbing issue and flooding in the lower ...

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What is Professional Indemnity Insurance?

... the error and asked him to pay for the variation of cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, the settlement was way more than the fees actually earned for ...

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The Art of Celebrating a Win this Winter

... fancy… movie tickets, bottle of wine etc.) ACKNOWLEDGE (Let staff know it matters. Give them kudos & make it public) TALK (Let people know about your wins, let them be happy for you) HANG IN THERE One final ...

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Customer Spotlight: TwoBlackLabs

... hear.” Caroline is a Privacy and Security Risk professional who has over 10years experience in both the public and private sectors with previous experience which includes working for Deloitte and KPMG. She says the ...

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BizCover & NZTA

... your reputation should the worst happen. What is covered? Damages and claimant costs awarded against you Legal and defence costs Claims investigation costs Court attendance costs Public relations costs

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Insurance for Bookkeepers

... of the following activities: Recording, Monitoring and Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers ...

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BizSave

BizSave on your Business Insurance Being a small business owner can be a rewarding and challenging journey. While time and money are of the essence, you need to consider the unexpected - a possible loss or theft of ...

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Reviews related to Public Liability For Decorator

  • 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

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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?