Public Liability Vs General Liability

Public Liability Vs General Liability

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What does Public Liability Insurance Cover?

... you. While there are many situations in which a Public Liability policy operate, these are some of the common reasons ... today with BizCover. * This information is a general guide only and does not take into account your ...

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How much does Public Liability Insurance cost?

... owners can expect to pay around $49 per month for Public Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance is an essential form of cover for almost every type ...

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What is Public Liability Insurance?

... premises where your customers or members of the public visit ALL business that have interaction with customers or the general public should have Public Liability insurance Could this happen to your business? Accidents ...

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What does Public Liability Insurance Cover?

... costs When would I need Public Liability insurance? Public Liability insurance is designed to protect businesses ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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Public Liability Insurance

... to think about is paying hefty legal costs should an unwanted accident occur. Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against such ...

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Do I need Public Liability Insurance?

... Is Public Liability insurance a legal requirement? Do I need Public Liability Insurance Insurance? Public Liability insurance* ... The information contained on this web page is general only and should not be relied upon as ...

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Insurance Options for Retailers

... which can help protect your retail business. Public Liability insurance * This is one of the first ... policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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A Tradies Guide To Protecting Tools

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Insurance for Immigration Advisers

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Insurance for Shop Owners

... web page is general only and should not be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience Really happy I called you! I have received a quote for public liability and statutory liability from ...

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Insurance For Cafes and Restaurants

... lease. Insurance for Cafes and Restaurants Public Liability* Public Liability insurance  is  designed to provide ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Tool and Portable Equipment Insurance

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Employers Liability Insurance

... Owners Options to look into include: Public Liability* Public Liability Insurance* Some popular insurance options for ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance for IT Professionals

... on this web page is general only and should not be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience I have been in touch with at least 2 brokers to get some public liability sorted for over a ...

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Insurance for Mortgage Brokers

... be made against your business. Public Liability Public liability insurance helps protect your business against ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Consultants

... Translator Workflow processes & procedures Public Liability Public Liability insurance is a no-brainer ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Architects & Designers

... Do you 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 ...

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Insurance for Real Estate Agents

... misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Engineers

... may have to work with contractors, staff, and the general public for various reasons. You may need public liability insurance to protect yourself against any claims and liabilities that arise due to damage to property or ...

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Business Insurance

... cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Professional Indemnity Insurance

... between Professional Indemnity and Public Liability Insurance? Public Liability insurance protects you and ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Allied Health Professionals

... premises, you should seriously consider taking out public liability insurance for your protection. Protect your business ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance for Accountants & Tax Agents

... provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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BizCover and Massage New Zealand

... omissions involving a breach of professional duty Public Liability Protects against damages arising from a claim ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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BizCover and NSNZ

... , $2M in the annual aggregate $1,000 $294 all inclusive Public (General) Liability $1 Million (each occurrence) $250 Statutory Liability $500,000 $500 Employers Liability $500,000 $500 If you prefer to speak to somebody ...

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BizCover and Boost Your Business

... for services or advice you have provided. Public Liability Insurance* Protects you and your business from ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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BizCover and NZ Retail

... interruption in specified circumstances. Public Liability Insurance* Public Liability insurance** is designed to ... . The information contained on this web page is general only and should not be relied upon as advice ...

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BizCover and NZ Qualified Bookkeepers Association

... , investigator costs and expert fees). Public Liability Public Liability insurance** is designed to provide protection ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Priceme

... types of policies relevant to your business. Public Liability Insurance* Protects you and your business from ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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BizCover and n3

... for services or advice you have provided. Public Liability protects you and your business from third-party ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Tradesmen

... the difference between Public Liability and Portable Equipment insurance? Public Liability insurance covers you ... business for that customer. * This information is a general guide only and does not take into account your ...

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Insurance for Photographers

... to stumble 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 ...

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Business Insurance FAQs

... is Public Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Personal Trainers

... of reasons. It includes Professional Indemnity and Public Liability cover to provide you indemnity for injury or ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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BizCover & NZTA

... attendance costs Public relations costs What other insurance should I consider? Public Liability Insurance ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Beauty Salons

... your landlord requires you to have a particular level of Public Liability cover. How much would it cost to replace your ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Retailer Insurance

... more than likely insist on you having public liability insurance. Business Insurance* Fire, extreme weather ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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BizCover and Reflexology NZ

... , $2M in the annual aggregate $1,000 Annual: $181.99 all inclusive Monthly: $24.05 all inclusive Public (General) Liability $1 Million $250 Alternatively, if you prefer to speak to somebody the old fashioned way you can ...

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Insurance for Hairdressers

... will more than likely insist on you having public liability insurance . Protect your business today. Business ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance for Plumbers

... hold a minimum level of Public Liability insurance. Insurance for Plumbers Public Liability* Don't risk letting ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance for Handyman

... the go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A ... The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance for Painters

... not subcontractors. Insurance for Painters Public Liability* Public Liability is perhaps the most important ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Insurance for Cleaners

... Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important ... Equipment cover comes into play. Portable equipment (or general property) insurance can cover you for loss and damage ...

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No Dramas

... web page is general only and should not be relied upon as advice. Customer Reviews Rated 4.6/5 for Customer Experience Really happy I called you! I have received a quote for public liability and statutory liability from ...

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Video Centre

... things you need to know about Liability Insurance What is Public Liability Insurance? What is Professional Indemnity ... . The information contained on this web page is general only and should not be relied upon as advice ...

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Insurance by Industry

... Public Liability Insurance, Statutory Liability Insurance, Cyber Liability Insurance and Employers Liability ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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How to Open Your Own Retail Business

... will more than likely insist on you having Public Liability insurance . Business Insurance- * there are a ... wording.  The information contained on this web page is general only and should not be relied upon as advice.

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Turn your side hustle into a small business

... – If your side hustle business interacts with the public you may need to consider Public Liability insurance* . Public Liability Insurance, often referred to as General Liability, gives you peace of mind . It is ...

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Understanding Employers Liability Insurance

... business exposed to its own unique risks. At Public Liability Insurance, we enable you to access multiple quotes ... – no snail mail required. * This information is general only and does not take into account your objectives, ...

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10 Ways To Help Protect Your Small Business

... BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ... help protect your business. * This information is a general guide only and does not take into account your objectives ...

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Why You Should Review Your Business Insurance

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Why do brilliant business ideas sometimes fail?

... you may need to consider include: Public Liability insurance * Professional Indemnity insurance * ... the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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6 Reasons why some small businesses fail

... you may like to consider include: Public Liability insurance* Professional Indemnity insurance * ... the policy wording. The information contained on this web page is general only and should not be relied upon as advice. ** ...

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How To Start A Small Business

... : Public Liability insurance Professional Indemnity insurance Business Insurance Cyber Liability Start ... policy wording.  The information contained on this website is general only and should not be relied upon as advice ...

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It's Time for an Insurance Health Check!

... need to consider increasing the level of public liability insurance that you hold. Are there ... above can make sure your business is insurance fit for the upcoming challenges your business faces! This is general advice only.

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Customer Spotlight: Scotchbox

... 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 alcohol specifically I could be responsible for issues or problems ...

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How To Stay Motivated As A Small Business Owner

... BizCover span from the basics like Public Liability and Professional Indemnity to Business Insurance ... help protect your business. * This information is a general guide only and does not take into account your objectives ...

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Cyber Liability Insurance

... Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against ... wording. The information contained on this web page is general only and should not be relied upon as advice. ...

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Statutory 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 ... on this web page is general only and should not be ...

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How Cyber Insurance Protects Small Businesses

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BizSave

... 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. Customer Reviews Rated 4.6/5 for Customer Experience ...

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Insurance for Bookkeepers

... Tracking the Value of Assets & Liabilities Recording, Monitoring and Tracking Income and ... policy wording. The information contained on this web page is general only and should not be relied upon as advice. Customer ...

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Introducing Work From Home Insurance

... 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. Customer Reviews Rated 4.6/5 for Customer Experience ...

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Insurance for Travel Agents and Tour Operators

... 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. Customer Reviews Rated 4.6/5 for Customer Experience ...

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Insurance for Recruitment Consultants

... 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. Customer Reviews Rated 4.6/5 for Customer Experience ...

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Cyber Insurance - Is it worth it?

... about hackers. It also covers staff who accidentally make public confidential information, insider theft as well as theft ... consider a Cyber Insurance policy as an essential part of this plan. This is general advice only.

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What does Professional Indemnity Insurance Cover?

... for: Damages and claimant costs awarded against you Civil liabilities which may arise from but are not limited to ... wording. The information contained on this web page is general only and should not be relied upon as advice ...

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What does business insurance cover

... 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. Customer Reviews Rated 4.6/5 for Customer Experience ...

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What is Professional Indemnity Insurance?

... $1,000 fee contract can potentially generate millions in liability if something goes wrong. Protect your business today. * ... The information contained on this web page is general only and should not be relied upon as ...

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Reviews related to Public Liability Vs General Liability

  • 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. 

 

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