Public Liability Insurance For Self Employed

Public Liability Insurance For Self Employed

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

How much does Public Liability Insurance cost?

... for Public Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance is ... chance of something going wrong compared to a sole trader electrician who may only visit a handful of ...

read more

What does Public Liability Insurance Cover?

... is typically NOT covered by Public Liability insurance ? While Public Liability insurance covers your business for claims ... When would I need Public Liability insurance? Public Liability insurance is designed to protect ...

read more

What is Public Liability Insurance?

GET PUBLIC LIABILITY INSURANCE What is Public Liability Insurance? Do I need Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance protects you and your business against ...

read more

What does Public Liability Insurance Cover?

... When would I need Public Liability insurance? Public Liability insurance is designed to protect ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Public Liability Insurance

... not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much as ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...

read more

Do I need Public Liability Insurance?

... Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance ... our business insurance professionals. You can also access quick links to our self-service portal, ...

read more

Public Liability Insurance Explained

... available. Let's delve into our simple guide on Public Liability insurance explained. What is Public Liability Insurance*? Public Liability insurance protects you and your business against the financial implications if ...

read more

Insurance Options for Retailers

... for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a ... by your products Some Public Liability insurance policies include cover for Product Liability cover. Money and ...

read more

Preparing your store for the holiday season ahead

... 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 your store is ...

read more

A Tradies Guide To Protecting Tools

... familiar with policies like Public Liability, did you know there is insurance available specifically for your ... paperwork required or messy forms to fill out. Experience insurance made easy today and see how we can help ...

read more

Insurance for Cleaners

... Did you Know? If you are operating as a sole-trader and a claim were to occur against your business, ... long-haul. Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type ...

read more

Insurance for Tradesmen

... insurances to help protect your tradie business. Who Needs Insurance for Tradesmen? Whether you're a a sole trader ... difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers ...

read more

Insurance for Consultants

... will 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 ... Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer ...

read more

What is Professional Indemnity Insurance?

... in liability if something goes wrong. Protect your business today. * As with any insurance, cover ... a million forms which was so unnecessary as I am a sole trader. Christina M. IT / Computer Consulting Service. I got ...

read more

Insurance for Shop Owners

... that's where Public Liability insurance comes into play. Public Liability insurance is designed to ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Employers Liability Insurance

... that's where Public Liability insurance comes into play. Public Liability insurance is designed to ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

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 ...

read more

Tool and Portable Equipment Insurance

... online purchase-no paperwork required Public Liability and Tool Insurance What's typically NOT covered ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Insurance for IT Professionals

... Public and Product Liability insurance offers important cover for IT Professionals and their legal liability ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Insurance for Mortgage Brokers

... made against your business. Public Liability Public liability insurance helps protect your business ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Insurance for Architects & Designers

... contractors and the general public, then the short answer is yes. Public Liability insurance is an important ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Insurance for Real Estate Agents

... Public Liability This insurance is an essential component of any business' insurances. It covers your liability ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...

read more

Insurance for Engineers

... insist on Public Liability being in place before you go on site. Business Insurance Most businesses will ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Business Insurance

... mandatory. For example Public Liability or Professional Liability insurances are a common requirement ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Professional Indemnity Insurance

... insurance needs. What is difference between Professional Indemnity and Public Liability Insurance? Public Liability insurance ... business insurance professionals. You can also access quick links to our self-service portal, ...

read more

Insurance for Allied Health Professionals

... them get on the right path to feeling their best selves by delivering your professional allied health skills and expertise. As ... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance ...

read more

Insurance for Accountants & Tax Agents

... ? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

BizCover and Massage New Zealand

... 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 ... duty Public Liability Protects against ...

read more

BizCover and NSNZ

... damage. Professional Liability Package for Nutritionists The NSNZ Liability package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability. Professional Indemnity ...

read more

BizCover and Boost Your Business

... services or advice you have provided. Public Liability Insurance* Protects you and your business from ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

BizCover and NZ Retail

... in specified circumstances. Public Liability Insurance* Public Liability insurance** is designed to ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Priceme

... of policies relevant to your business. Public Liability Insurance* Protects you and your business from ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

BizCover and n3

... for services or advice you have provided. Public Liability protects you and your business from third- ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Insurance for Photographers

... Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

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 ...

read more

Insurance for Personal Trainers

... amount. Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ... of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or ...

read more

BizCover & NZTA

... costs Public relations costs What other insurance should I consider? Public Liability Insurance ... with one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Insurance for Beauty Salons

... and damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Retailer Insurance

... public liability insurance and glass insurance before signing a lease. Insurance for Retailers Public Liability ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...

read more

BizCover and Reflexology NZ

... professional duty Public Liability Protects against damages arising from a claim for third party property damage or bodily injury that occurs as a result of business related activities. Professional Liability Package for ...

read more

Insurance for Hairdressers

... on you having public liability insurance . Protect your business today. Business Insurance* Your business ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Insurance for Plumbers

... a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Insurance for Handyman

... -to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...

read more

Insurance for Painters

... Insurance for Painters Public Liability* Public Liability is perhaps the most important insurance option ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

No Dramas

... includes cover for your legal costs. Public Liability Insurance* Protects you and your business from ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you can ...

read more

Understanding Employers Liability Insurance

... consider having this type of business insurance in place. What is Employers Liability insurance ? You may take all ... exclusions contained in your policy document.  Public Liability Insurance is a trading name of BizCover ...

read more

Video Centre

... about Liability Insurance What is Public Liability Insurance? What is Professional Indemnity Insurance? What ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

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 ...

read more

How to start an online retail business in 5 steps

... may need to consider a separate business insurance policy that would cover these assets as part ... insurances you may need to consider to protect your online store: Public and Product Liability* Public Liability insurance ...

read more

How to Open Your Own Retail Business

... you want to set up as, for example a sole trader or company Get a business number Arrange your tax number ... more than likely insist on you having Public Liability insurance . Business Insurance- * there are a variety of ...

read more

Turn your side hustle into a small business

... in your risk management plan. Public Liability Insurance – If your side hustle business interacts with the public you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as ...

read more

Scholarships

... great lengths to simplify the process of purchasing insurance for small businesses by creating an online ... option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get ...

read more

10 Ways To Help Protect Your Small Business

... ? If not consider employing measures to increase online ... insurance needs. Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ...

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

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 ...

read more

6 Reasons why some small businesses fail

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

read more

How To Start A Small Business

... get a NZBN. If you are a sole trader or self-employed you will need to register online Arrange your ... insurance include: Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability ...

read more

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 ...

read more

Customer Spotlight: Scotchbox

... motivated McBride to ensure that he has insurances in place to protect 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 ...

read more

How To Stay Motivated As A Small Business Owner

... Insurance products purchased through BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ... or messy forms to fill out. Experience insurance made easy today and see how we can ...

read more

Complete Guide to Business Insurance

... look at some of the various types of business insurance coverages and how they can help to keep your ... types of business insurance coverages available include: Building/ property (Public Liability) Property (Contents) ...

read more

Cyber Liability Insurance

... crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...

read more

Statutory Liability Insurance

... discharge of waste into 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 ...

read more

Cyber Liability Insurance Explained

... There isn't a one size fits all Cyber Liability insurance policy, so the actual cost will depend your ... paperwork required or messy forms to fill out. Experience insurance made easy today and see how we can help protect ...

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 ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...

read more

Cyber Insurance - Is it worth it?

... . It also covers staff who accidentally make public confidential information, insider theft as well as ... Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat ...

read more

How Cyber Insurance Protects Small Businesses

At long last, the wider public is starting to realise that hackers aren't hooded movie villains - they ... return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small business ...

read more

Reviews related to Public Liability Insurance For Self Employed

  • 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

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