Public Liability Insurance For Self Employed
Need business insurance? Compare quotes from NZ insurers, then buy online in minutes.
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 moreWhat is Public Liability Insurance?
... Public Liability Insurance Claim Example What is Public Liability Insurance? Public Liability insurance ... one of our business insurance professionals. You can also access quick links to our self-service portal, where you ...
read moreWhat does Public Liability Insurance Cover?
... just happen within your business premises. Public Liability (PL) insurance is designed to provide peace of ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...
read morePublic Liability Insurance
... not? Get the right cover Public Liability Insurance cost Public Liability Insurance For your Business As much ... of our business insurance professionals. You can also access quick links to our self-service portal, where you ...
read moreDo I need Public Liability Insurance?
... do I need? How much does it cost? Is 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 ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... a sole trader or small business owner, protecting your business and your customers with Public Liability insurance ... , accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket ...
read moreTradie Guide to Public Liability Insurance
... you have employees or operate as a sole trader , Public Liability insurance can be a critical strategy for reducing ... However, if you have reduced your risk with Public Liability insurance, you can be in a position to ...
read moreSole traders, Take Care Of Your Finances With These Tips
... to keeping your sole trader business running, that ... insurance? At BizCover, we understand sole traders, and we know how busy you are, that's why we do the shopping around for you. Whether it's Public Liability insurance ...
read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... business, sole trader or freelancer.. Public Liability insurance explained Public Liability insurance is ... can get on with your day. Rather chat to a Business Insurance Specialist? Call us on 0800 249 268 and get cover ...
read moreSimple Hacks to Help Grow Your Sole Trader Business
... ? Will you need to employ more staff? Making sure ... insurance arranged for your sole trader business*. BizCover offers business insurance solutions to help different kinds of sole trader businesses from Public Liability ...
read moreA Sole Trader's Guide to Building a Website
... , neither does getting your business insurance arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and ...
read moreA Sole Traders Guide to Understanding SEO
... , neither does getting your business insurance arranged for your sole trader business*. BizCover offers business insurance solutions to help all kinds of sole trader businesses from Public Liability* to Tool Cover and ...
read moreSaving Hacks- Business Insurance For Tradies
... business insurance sorted for your tradie business, we hear you. Whether you're flying solo as a sole trader or ... your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly ...
read moreThe Benefits Of Being A Contractor Or Self-Employed
... insurance Public Liability insurance and Professional Indemnity insurance , and Business Insurance are some common types of contractor insurance ... can make operating as a self-employed contractor more efficient. Use quality ...
read moreInsurance for Sole Traders
... insurance Public Liability insurance* Public Liability insurance is designed to provide protection for you and your sole trader ... business insurance professionals. You can also access quick links to our self-service portal ...
read moreHow to Start a Sole Trader Business
... on how to launch your sole trader business without the headache. These ... insurance include: Public Liability insurance* Professional Indemnity insurance* Business Insurance* Cyber Liability* Setting up your own sole trader ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... and without the appropriate Product Liability insurance you could find yourself in a spot of bother. If you operate as a sole trader, you will potentially be exposed to personal liability for personal injury or property ...
read moreInsurance options to protect your cleaning business
... cover to select from for Public Liability insurance – $1 million, $5million, $10 million and $20 million. Sole trader? Even if you are flying solo as a cleaning business, Public Liability insurance is still something you ...
read moreInsurance 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 moreTradie Guide to Professional Indemnity Insurance
... to their customers for a fee. While Public Liability insurance ensures your business is financially covered for ... your tradie risk with Professional Indemnity Insurance Whether you're a sole trader or a jack-of-all-trades ...
read moreInsurance for Consultants
... need to advise Inland Revenue that you've become a sole trader and you'll need to register for GST if you ... legal defence What is not covered? While Public Liability insurance can provide you with important peace of mind ...
read moreTradies Guide to Business Insurance Packages
... Public Liability Insurance Public Liability insurance is one the most popular types of trade insurance for tradespeople. Public Liability insurance ... tradie risk with trade insurance Whether you're a sole trader or a jack- ...
read moreInsurance for Tradies
... for when they do. Who Needs Insurance for Tradesmen? Whether you're a a sole trader or a jack-of-all-trades, ... difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you ...
read moreWhat is Professional Indemnity Insurance?
... between public liability and professional indemnity insurance - Public Liability and PI insurance are ... a million forms which was so unnecessary as I am a sole trader. Christina M. IT / Computer Consulting Service. I got ...
read moreUnderstanding Insurance, Part One: Public Liability Insurance
... It can also cover any legal defence costs you incur as a result of defending yourself. Why do I need Public Liability Insurance ? While you may take all the care in the world to create a safe environment, the reality is ...
read moreIs Public Liability enough for your cleaning business?
... knocking over your client's priceless vase, Public Liability insurance* is designed to protect cleaning businesses from ... the most basic cover, which includes Public Liability insurance. But before you renew your policy ...
read moreManaging your Public Liability risks as a tradie
... Have your Public Liability insurance in order Double checking that your Public Liability insurance is in ... of the jobs you are now working on? If Public Liability insurance has been on your mind, whether you are a ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...
read moreThe difference between public liability and professional indemnity insurance
... Public Liability Insurance VS Professional Indemnity Insurance Public Liability insurance protects ... the provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with other ...
read moreWhat 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 morePublic 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 moreHow To Protect Your Plumbing Business With Public Liability Insurance
... and the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... insurances in place, like Public Liability insurance*. Our guide breaks down the basics of Public Liability insurance ... you are renting your business premises, Public Liability insurance may be a requirement of your rental ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... party premises you may be required to have Public Liability insurance What does Public Liability insurance typically provide cover for? Public Liability insurance protects your business by providing compensation for ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... So, what exactly is Public Liability insurance? Public Liability insurance is designed to provide ... a legal requirement for you to have your own Public Liability insurance policy in place, even before you pick up ...
read more5 Things To Consider About Public Liability Insurance For Your Small Business
... select from when it comes to purchasing your Public Liability insurance. At BizCover, we know how important time ... around for you, comparing Public Liability insurance policies from NZ insurance providers in the click of ...
read more4 Areas You May Not Have Thought Business Insurance Covers
... can include Business Interruption as part of your Business Insurance package. It's important to remember that your ... other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are ...
read moreIt'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 moreCustomer 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 moreHow much does Professional Indemnity Insurance cost?
... business are the number of people the business employs and the amount of turnover it generates. ... cost of Professional Indemnity insurance by level of cover? Coverage level Average Public Liability premium (Monthly) $250k ...
read moreReduce your small business operating costs with these 7 tips
... all your business insurance needs like Public Liability, Professional Indemnity and Business Insurance* . We do ... could be save on your policy. *As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow 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 moreA 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 moreComplete 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 moreTips to help you successfully market your Tradie Business
... business is diverse, ranging from local self-employed electricians to massive building behemoths. As ... in the event that they are lost or stolen. Public Liability insurance is also a crucial form of cover as it protects ...
read moreThe Winner of BizGiver NZ is Revelation Canterbury Sports!
... will benefit her club. Abbey has had Public Liability insurance with BizCover since February 2021. We are proud ... of rangatahi to become confident leaders, self-sufficient, self-motivating, and able to solve problems, – ...
read moreNew Plymouth Physio Pilates Wins BizGiver Grant!
... for being the most recent recipient of the BizGiver grant. Emma has had Professional Indemnity and Public Liability insurance with BizCover since she started her small business in May 2021. We are proud to support ...
read moreCounsellor Martin Sloman Wins BizGiver Competition!
... for being the latest recipient of the BizGiver New Zealand grant. Martin has Professional Indemnity and Public Liability insurance combined with BizCover, as he believes it is a great value for money policy. We are ...
read moreSparking a conversation with Joachim from Noble Electrical & Lighting
... with BizCover's customer service team, Joachim went with a Public Liability policy. “It's there to cover my ass if ... end of the day. It also means getting the right insurance, so I don't have to worry about a mistake at ...
read moreHow To Get More Clients For Your Electrical Business
... Protect your electrical business' reputation with business insurance Building a growing customer base is one of ... BizCover NZ. From Public Liability insurance to Tool Cover, we offer business insurance policies to help ...
read moreA Calmer Therapy Wins BizGiver Grant
... the latest recipient of the BizGiver NZ grant. She has been insured for Professional Indemnity and Public Liability through BizCover since 2018. We are proud to support her small business journey! We interviewed Eileen ...
read moreTips for How to Start a Carpentry Business
... if you make more than NZ$60,000 per year. Sole traders and partnerships can register with Inland Revenue Along with the ... insurance policies available that cover different business risks, such as: Public Liability* ...
read moreHow To Start Your Own Trade Business in NZ
... NZBN when they are registered. Sole traders, self-employed tradespeople and contractors, and partnerships ... job. Different policies, such as Public Liability and Business Insurance, cover tradespeople against a wide range ...
read moreAnything Aluminium Wins BizGiver Grant
... . Congratulations to Lewis Trickett for being the latest recipient of the BizGiver grant. He currently has Public Liability with BizCover since he started his small business. We are proud to support Lewis and Anything ...
read moreWhat it's like to be a carer in NZ's struggling disability sector
... small business alleviate one problem - getting business insurance. David Spragg (left) next to Brendan Fry ... since we started. We arranged for the Public Liability and Professional Indemnity cover and found it incredibly ...
read more4 Tips For Starting An Online Business
... business insurance in place can help protect your online business from a number of risks. A Public Liability ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreDigital Marketing Tips For Tradies
... insurance * , including Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...
read moreHow To Market Your Accounting Business Online
... insurance , including Public Liability insurance , Professional Indemnity insurance and small business insurance. ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreHow To Get More Accounting Clients
... insurance , including Professional Indemnity, Public Liability insurance , and small business insurance. Visit bizcover.co.nz and get business insurance ... upon as advice. As with any insurance, cover will be subject to the ...
read moreHow To Market Your Contracting Business In Construction
... it? Small business insurance, including Professional Indemnity and Public Liability insurance, help shield you ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreAccounting Tips and Tricks For Small Business Owners
... expenses, business expansion plans, and even employing new staff. Having a solid understanding of ... Indemnity insurance if you provide clients with a professional service and choose a Public Liability policy if ...
read moreHow To Start Your Own Accounting Business
... contact you or view your offers. Get Business Insurance As an accountant, you may encounter an error ... any errors and omissions that may arise. Public Liability Insurance could also benefit your business by protecting ...
read moreHow Tradies can use LinkedIn
... to promote your business; whether you are a sole trader or run your own small business. Similar to ... insurance may include: Tool and Portable Equipment insurance ; Public Liability insurance ; and Business Insurance ...
read moreHow to Increase Leads on Tradie Websites
... Reduce your tradie risk with trade insurance It’s no secret that tradies ... insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance BizCover NZ can customise your trade insurance ...
read moreHow to Optimise a Tradie Website
... tradie risk with trade insurance Tradespeople in New Zealand ... insurance may include the following types of business insurance: Tool and Portable Equipment insurance ; Business Insurance ; and Public Liability insurance ...
read moreWhy a Personalised Website for Tradies is Important
... tradie risk with trade insurance Tradies can encounter safety ... insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance ...
read moreHow to set up Google Ads for Tradies
... tradie risk with trade insurance Tradies can encounter safety ... insurance may include the following types of business insurance: – Public Liability insurance – Business Insurance – Tool and Portable Equipment insurance ...
read moreHow Trust Can Boost Sales For Tradie Businesses
... traders, may fold under the financial weight. While this is obviously bad for you as a tradie business, your clients risk not being properly compensated for a claim. This is why disclosing your Public Liability insurance ...
read moreHow Tradies Can Use Social Media To Get Quotes
... just in case something goes wrong. One of the most important types of insurance for tradies is Public Liability insurance. It provides compensation for property damage and personal injury, and death, in situations ...
read moreTips For Following Up On Trade Quotes
... the work going. Consider disclosing your tradie insurance Insurance for tradies is an essential part of running ... their property. Disclosing that you have Public Liability insurance, which can provide protection in both ...
read moreHow to Grow Your Mechanic Business
... insurance in place to protect your business*. From Public Liability insurance* to getting your tools covers, insurance ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...
read moreA Contractors Guide to Saving Money at EOFY
... insurance options, save time and swing by BizCover. From Public Liability insurance* to Tool Cover* and Business Insurance ... business. Visit bizcover.co.nz and get insurance for contractor business without drama so you can ...
read more7 Ways Your Accounting Business Can Save Money For Clients
... 's Professional Indemnity insurance* options to coverage like Public Liability* and Business Insurance*. We know how ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...
read moreTop Digital Marketing Tips For Contractors
... Whether it's Public Liability insurance* or protection for words of advice with Professional Indemnity insurance*, BizCover is here ... be relied upon as advice. As with any insurance, cover will be subject to the terms, ...
read morePortable Equipment Insurance, A Guide For Contractors
... equipment and products Yoga instructors specialised yoga props and specialised ... insurance solutions to help different kinds of contractor businesses from Public Liability insurance* to Professional Indemnity insurance ...
read moreHow To Start An Engineering Firm
... your clients. Here are two examples: Public Liability insurance* may be required before you can ... , with no-dramas! Visit bizcover.co.nz and get insurance for your engineering business without the stress so you can get ...
read more7 Steps to starting your own graphic design business
... insurance options range from policies like Public Liability insurance*, Professional Indemnity insurance ... , with no-dramas! Visit bizcover.co.nz and get insurance for your designer business without the stress so you can ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... the task at hand. How much does Portable Equipment insurance cost designers? How long is a piece of sewing ... it's Portable Equipment insurance, Professional Indemnity insurance*, Public Liability insurance* or a mix ...
read moreManaging Your Business Insurance During Inflation
... behind changes like the increased costs of living. Business insurance isn't exempt when it comes to the impact of ... policies like your Professional Indemnity insurance* and Public Liability insurance*. Review the terms and ...
read moreScholarships
... 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 moreSmall Business Insurance: Why you might want to ensure you're covered!
... public liability may be a requirement from your landlord. Or if you take out a contract with a large organisation they may stipulate that you have certain insurance ... line. Having a Employers Liability policy in place can ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... on the type of your insurance. Read the below carefully: Public Liability - This protects against the ... familiar with how much you're covered for. Using Professional Liability as an example again, you could be covered for ...
read moreKey things to look out for when Growing Your Small Business
... used in the most efficient manner. Consider employing the services of a business loan broker, ... take care of themselves, but the primary insurances - public liability and professional indemnity - are crucial. Ignore ...
read morePreparing 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 moreBizCover expands into New Zealand and launches BizCover.co.nz
... New Zealand professional insurance market is ... insurance and will soon be expanded to add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated insurance ...
read moreBizCover expands its insurance offer and launches a new look
... and buy the right professional indemnity and business insurance in a more accurate, fast and user friendly ... quick and easy online professional indemnity and public liability insurance for over 200 professions. The new ...
read moreWhat is Business Insurance
... Insurance cover and Public Liability insurance? The different kinds of coverage options that Business Insurance ... of our business insurance professionals. You can also access quick links to our self-service portal, where ...
read moreBusiness 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 moreInsurance 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 moreBizCover 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 morePriceme
... 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 moreBizCover 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 moreBizCover & 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 moreWhy 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 moreHow your tradie businesses can save time and money this EOFY
... business like revenue, the number of staff you have employed and your business assets have increased, it is a ... like your Public Liability insurance * can be sorted out online in minutes with Public Liability Australia . ...
read more6 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 moreThings to consider when purchasing business insurance
... How many staff work for you? Do you also employ contractors or suppliers? What utilities, equipment, machinery and ... claims which are covered by the policy. Public Liability insurance* : is designed to provide protection ...
read moreHow 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 moreReviews 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
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.