If you’re a sole trader or small business owner, protecting your business and your customers with Public Liability insurance is one of the most important aspects. It offers protection should a customer, supplier, or even member of the public, sue your business for damage to their property. And whilst you probably take every care not to damage their property, it doesn’t mean you won’t be found negligent should an unwanted accident occur, or someone attempts to make a claim against you. As cliché as it sounds, accidents happen. If you don’t have Public Liability insurance you face the risk of being out of pocket for hefty legal and compensation costs that can potentially cripple your business.

Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. Having Public Liability insurance gives you peace of mind against potentially stressful, time-consuming and costly legal claims.

No matter how big or small your business is, accidents can and do happen. Public Liability insurance* provides peace of mind for claims for third party property damage or personal injury. If you deal with people in any capacity from clients to suppliers and members of the public, then Public Liability insurance is an important form of protection worth considering.

Engineers are responsible for designing and implementing complex systems, infrastructure and machinery that can significantly impact public safety across New Zealand.

There are lots of things that go into making your business a success. Through solid planning having an idea about some of the risks your business may be exposed to, can help your business stay strong for the long haul.

It’s important to understand the difference between Professional Indemnity and Public Liability insurance as the two types of cover can often cause confusion. Whilst both covers protect your business against legal action they offer different forms of protection.

Public Liability insurance* is something you’re probably familiar with as a tradie and it was more than likely one of the first types of insurances you may have taken out. The last thing you want to be faced with is a Public Liability claim, so we’ve created a guide on how to manage your risks as a tradie.

One of the things that makes New Zealand one of the safer countries for workers in the world is that there is a robust occupational health and safety regulatory system, backed up with numerous Acts of Parliament, to ensure that workers are kept safe as they go about their daily occupations. The legislation in place has fines or other penalties attached for breaches of regulations, and in many instances business owners or directors can be personally liable for these.

As a small business owner, there is a lot to think about when running your own business. Whether it’s balancing the books, creating marketing plans or connecting with customers, the list goes on. But when it comes to protecting your business, it‘s crucial to understand the importance of business insurance and the different kinds of products that are available.

Chances are you’ve probably heard of both Public Liability insurance* and Professional Indemnity insurance*, and while both provide a form of cover for your business, they are very different in what they protect your businesses from.