What’s covered & what’s not? Statutory Liability Insurance For Your Business New Zealand businesses are facing increased exposure to statutory fines and penalties handed down for breaches of legislation, with ...
read more... , not to mention the damage it can cause to your reputation. Statutory Liability Insurance Statutory Liability policies are designed to cover your inadvertent breaches of NZ statutes for your legal defence costs and ...
read more... 8am to 8pm . ; What it covers The discounted package includes cover for Professional Indemnity, Public Liability, Statutory Liability. Professional Indemnity Professional Indemnity insurance** protects ...
read more... for a loss due to employee's dishonesty), Public Relations Costs, Statutory Liability (cover for unintentional breaches of acts or legislation), Court Attendance Costs and Official Investigation Costs. Others ...
read more... changing legislation and any inadvertent breach of New Zealand Statutes can typically be covered by a Statutory Liability policy. The policy covers your legal defence costs as well as, in some cases, any fines incurred ...
read more... or misrepresentation or a breach of statutory rules. Public Liability This insurance is an essential component of any business' insurances. It covers your liability to third parties for any property damage ...
read more... Act, Privacy Act, Resource Management Act. Statutory Liability insurance protects you and your employees against unintentional breaches of certain statutory acts. It covers investigation and defence costs, as well as ...
read more... taken against them by employees. Covered claims may relate to allegations of discrimination, unfair dismissal and sexual or workplace harassment. Statutory Liability Statutory Liability insurance* protects you, your ...
read more... to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks. The great thing about Business Insurance is that ...
read more... of their employment where the A CC does not provide cover (such as gradual impairment injuries). Statutory Liability : covers the company, senior management and employees for allegations of wrongful ...
read more... Package for Nutritionists The NSNZ Liability package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability. Professional Indemnity – protects against financial ...
read more... public are injured (when not covered by the ACC) or sustain property damage as a result of the insured's negligent business activities. Statutory Liability Statutory Liability** insurance protects you, your retail ...
read more... against data breaches, computer hacking, and other forms of cybercrime covered under your policy. Statutory Liability Statutory liability insurance helps defend your business and your employees against specific ...
read more... and accidental damage. It can also provide cover for a reduction in revenue if your business is interrupted due to an insured event. Statutory Liability Insurance Protects you and your business against the ...
read more... as theft and accidental damage. It can also provide cover for a reduction in revenue if your business is interrupted due to an insured event. Statutory Liability Insurance Protects you and your business against the ...
read more... legal claims for property damage or personal injury (not covered by ACC) that arises due to your business operations. Statutory Liability protects your business against the costs of any inadvertent breaches ...
read more... great offer. ; What it covers The package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability. Professional Indemnity Protects against financial ...
read more... clients to compare and select the most appropriate cover in just minutes, and receive their policy ... add in Public Liability, Statutory Liability, Employers Liability, Employment Dispute Liability and other associated ...
read more... of cover and levels of cover? For example, if your business 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 ...
read more... cover all the liabilities related to your business. As an example most home and contents policies do not cover ... cover is mandatory. Sometimes cover is required to belong to an industry organisation or it may be statutory, ...
read more... 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 ...
read more... Insurance do I need? BizCover is able to offer four different levels of Public Liability cover, being $1 million, $2 million, $5 million and $10 million. Every business is different and ...
read more... costs could be enough to potentially put you out of business for good. ; ; Public Liability commonly covers: The costs to repair or replace damaged property Compensation for personal injury or death to third ...
read more... Get multiple quotes Of course all business owners look for ways to save money, however the cheapest Public Liability cover isn't always the best option. Take the time to assess your risks and consider the appropriate ...
read more... employee damages your customer's property whilst carrying out garden maintenance on their property. Public Liability not only covers the cost of compensation but your defence costs as well. Without the correct level of ...
read more... , there are often some industry expectations when it comes to a minimum level of Public Liability cover for some businesses. For example, the construction industry will often require subcontractors and contractors to ...
read more... packages that we have negotiated with our insurers to combine Professional Indemnity and Public Liability cover which offer much more competitive premiums. It is also important to note that each insurance company ...
read more... compensation claims, leaving your business free of financial risk. Phew! ; ; Most public liability policies also extend to Product Liability cover. If you sell, supply or deliver goods, even in the form of repair or ...
read more... 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 ...
read more... or property damage. You should also be familiar with how much you're covered for. Using Professional Liability as an example again, you could be covered for any amount between $250,000 and $10,000,000, so there can ...
read more... afford to pay for from your own pocket? This is where your Public Liability insurance comes into play, providing cover for those messy situations when you need a helping hand. Other Business Insurance ...
read more... of court or awarded by the court. With the right Public Liability or Professional Indemnity cover, your insurance company will provide much needed funds to cover your legal costs and any compensation claims, leaving your ...
read more... incident response plan to manage a cyber incident? What does Cyber Liability insurance typically cover? Investigation and data recovery costs Business interruptions costs Fines and ...
read moreWhat’s covered? Employers Liability Insurance For Your Business Whilst we all go to great lengths to ensure a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability ...
read more... the community could be just as harmful. This is where Cyber Liability insurance provides a crucial safety net for SMEs in NZ, as it helps cover businesses against the expenses and legal costs that are associated with ...
read more... to spend an extensive amount on legal fees to defend against the claim of liability. Professional Liability insurance can cover the cost of the claim for compensation and the costs associated with defending your claim ...
read moreWhat’s covered? Cyber Liability Insurance For Your Business Almost every business is dependent on their data to operate. The moment you connect to the internet you open your business up to the possibility of ...
read more... for, your business and even personal assets might be on the line. Having a Employers Liability policy in place can cover you not only for your legal and defence costs, but also for any damages awarded, fines & penalties ...
read more... business. You can tailor a policy to suit your needs and include other essential covers such as Public Liability and Professional Indemnity insurance to ensure you are not left financially responsible for the ...
read more... good thing going on in my life! It was a few weeks and some therapy before I could come back.” “Cover like this could have compensated me for such a loss, even if nothing can replace my turkey sandwich,” ponders Gellar ...
read more... from your business premises. Damage to the building, locks and safes as a result of a covered event will also be covered. Transit : c overs loss of or damage to your goods (or in some circumstances goods ...
read more... by the ACC) caused by your products Some Public Liability insurance policies include cover for Product Liability cover. Money and Theft cover* Part and parcel of operating a retail store is the exchange of ...
read more... quotes from leading New Zealand insurers. A few clicks are all it takes to get the best public liability cover and complete peace of mind. Business Insurance The success of your handyman business depends as much on ...
read more... 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 of ...
read more... NZ. If you're a member you'll save on your Professional Indemnity & Public Liability cover with our exclusive member rates. ; Insurance for Allied Health Professionals Professional Indemnity Professional ...
read more... 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 instruction ...
read more... 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 ...
read more... the fundamental types of insurances for most kinds of businesses is Public Liability insurance. Public Liability insurance is designed to cover the legal fees and compensation costs if a customer, member of ...
read more... breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information ...
read more... the public are injured (and not covered by the Accident Compensation Commission (ACC) ) or sustain property damage as a result of your negligent business activities. Public Liability insurance also picks up legal costs ...
read more... go pear shaped. ; Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection for you and your ...
read more... painter who has his or her own insurance, it is likely you are not covered by their policy. Public liability policies usually cover only the insured and their employees, not subcontractors. ; Insurance for Painters ...
read more... 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 from a claim of 3 rd party property ...
read more... takes a few minutes. So you can focus on getting back to business, let us show you the various cover options for your business and #BizSave on an insurance policy in the process. Start looking at your options now ...
read more... enough? Take time to review your current policies—especially the exclusions—and you'll likely find that your other business cover won't respond to a cyber or data breach claim. And the last thing you want to do is ...
read more... requirement it is worthwhile looking at your level of cover While the chance of making a claim is ... it as soon as the information arises or face possible liability for any issues. For example, if the agent was ...
read more... we all make mistakes. Professional Indemnity Insurance allows you to cover yourself if, and when, you do slip up in ... cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly, ...
read more... the policy period. In short, for a claim to be covered your policy must have been in place at the time the ... that you have complied with the requirements Never admit liability or attempt to resolve a complaint on your own ...
read more... leading insurers, including DUAL, AIG, and QBE. With the option to include Professional Indemnity, Public Liability, and Business Insurance, we will ensure you get the best cover for your business at the right price. ;
read more... are one of the biggest exposures for marketing professionals. Make sure your professional indemnity covers inadvertent breaches of intellectual property or mistaken theft. ; Marketing and Multimedia professionals ...
read more... . Depending on the location of your business, there is also an option to take out Natural Disaster cover ** . Th is coverage protects against loss of damage caused by earthquakes and other natural disasters ...
read more... stress and strain that you could do without. This is where Business Interruption* insurance can help. It provides cover for financial loss as a result of an interruption to your business caused by an insured event like ...
read more... there is an additional option to select Natural Disaster cover. This is to help protect your business against the ... they provide . * As with any insurance, cover will be subject to the terms, conditions and ...
read more... the premium is likely to be Your business size and turnover The amount of insurance cover you require The individuals being covered - are they qualified for the job they are performing Previous claims history ...
read more... (including taking/use of a prize), except for any liability which cannot be excluded by law. If this Competition is ... to limit, exclude or modify the statutory consumer guarantees as provided under the Consumer ...
read more... to $10M. Here are some factors to consider when determining how much cover you may need: Does your profession have statutory coverage requirements? If you are a member of an industry association or ...
read more... policies from a range of insurers with cover limits from $250K to $10M. When determining how much cover you need, consider the following: Are there any statutory requirements for your profession? Are you a ...
read more... personal injury or death in circumstances that are not covered by the Accident Compensation C orporation (ACC). Public Liability insurance also covers any legal costs that you may incur while defending ...
read more... operation of your business. A Public Liability policy will cover third party property damage and or injury that might not be covered by ACC. It is a very affordable cover considering the amount of protection you receive ...
read more... breach or attack. Costs associated with defending a cyber claim are also covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent loss or release of customer personal information ...
read more... Insurance for Hairdressers At BizCover, we offer an extensive range of insurance products to cover many types of risks and liabilities, meaning that you can focus on running your business without the worries of what ...
read more... the functional side of your business but could also take a toll on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following a data breach or having your system hacked. It ...
read more... , data recovery and even extortion costs. In addition, another great benefit of Cyber Liability insurance is that it includes cover for the reasonable costs and expenses for receiving advice and support from a public ...
read more... 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 ...
read more... Code field, Dual Reflex . ; What is covered? The package includes cover for Professional Indemnity and Public Liability. Professional Indemnity Protects against financial loss for claims arising ...
read more... costing you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses ... of third party property damage or accidental injury (not covered by the ACC) to save you from having to ...
read more... can be a valuable tool in protecting your business. What is Cyber Liability insurance cover? Cyber Liability is designed to cover your business against the expenses and legal costs associated with data breaches ...
read more... . ; Did you Know? A $1m Professional Indemnity cover only costs from $1.81 per day. ; Insurance ... provide an in-home service? If yes, then Public Liability Insurance is a vital type of insurance to protect your ...
read more... . Ignore them at your peril. So What Can You Do? Insure your legal liability! Public and Product Liability (or 'PL') covers claims against property damage or personal injury to a third party caused by your ...
read more... . BizCover.com.au is already renowned for providing quick and easy online professional indemnity and public liability insurance for over 200 professions. The new website enhances this offer by giving BizCover's growing ...
read more... , to shred their old policy. Dave, our resident tradie, showed no mercy when he subjected his old public liability policy to his bandsaw. Jill, the café owner, gave the fruit and veg a break and instead blended up ...
read more... 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 that ...
read more... to me/us for BizCover pursuant to the Direct Debit Service Agreement ) and has no express or implied liability in regards to the goods and services provided by the BizCover or the terms and conditions of any agreement ...
read more... -million dollar developments? Do you have contracts with customers who require you to have a specific level of cover? The worst case scenario from the advice or service you provide - what are the maximum damages a ...
read more... up to date. If your policy is not paid there is a chance it may be cancelled, and you may not be covered! Check the details: make sure all the details on your policy are accurate and up to date, especially your contact ...
read more... for Professional Indemnity Insurance is key. This is why comparison sites are helpful to find the best cover that suit your business. Comparison sites like BizCover allow you to get live online quotes, and purchase ...
read more... million The requirements for the level of cover required vary from profession to profession and ... long run. ; What is NOT typically covered? Intentional damage Any known claims and circumstances ...
read more... contents, stock and other assets against unexpected events, like fire, storm, theft and accidental damage. The type of cover and the amount you need will depend on the nature of your business and the various risks it ...
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You made the purchasing of public liability cover simply easy and straight forward
Peter McLaughlin
Trades & Services
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
Very easy to get a quote and get cover. Great pricing and easy to understand.
Ann-Maree Ozanne
Accounting and Taxation
Efficient service with reminder notice well in time, when my cover was due to expire.
PAMELA HARVEY
Consultancy Occupations
Real easy to renew your cover and they email you a reminder.
Joseph Caldwell
Information Technology
They have competitive pricing but when selecting your insurance product you are completely on your own as the consultants do not provide any advice or recommendation regading the suitability of cover. That is of some concern if the kind of work you do isn
Monique Princen
Information Technology
Got my PI cover sorted within 15 mins over the phone.
Kaushalya Samarasekera
Information Technology
Very slick and quick service with a great premium price for the cover. All done on-line with no long forms to fill in.
Stephen Hutchins
Information Technology
The representative said that he wasn't sure if the situation I described was included in the insurance I selected and he would need to check with the under writer and call me back. I thought "yeah right" but he did call back very quickly and then my cover
Quentin Duff
Trades & Services
I found very efficant no hassle with doing quote or buying the cover
Desmond Procter
Trades & Services
Compared to the other quotes I was getting and poor customer service I was dealing with, BizCover were friendly and helpful, patient as I said I wasn't ready yet due to waiting for other insurance brokers who were terrible, BizCover kept trying to call bu
Layla Dowthwaite
Consultancy Occupations
All good and professional apart form the call back time. I was rushed into agreeing that I had read and understood things that I had not even seen. It would have been better to explain that the call was going to take over 10 minutes and there there were a
Chris Boyce
Information Technology
Independent feedback from our customers rated our service at excellent.
New Zealand businesses are facing increased exposure to statutory fines and penalties handed down for breaches of legislation, with businesses, directors, and those in managerial 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, against certain unintentional breaches of New Zealand Acts of Parliament. It covers the costs of representation in investigations for alleged breaches affecting commercial businesses, as well as defence costs, and fines or penalties payable following conviction for an offence under an insured statute.
