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 ...
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... , 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 ...
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... 8am to 8pm .
; What it covers
The discounted package includes cover for Professional Indemnity, Public Liability, Statutory Liability.
Professional Indemnity
Professional Indemnity insurance** protects ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... Package for Nutritionists
The NSNZ Liability package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability.
Professional Indemnity – protects against financial ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... great offer.
; What it covers
The package includes cover for Professional Indemnity, Public Liability, Statutory Liability and Employers Liability.
Professional Indemnity
Protects against financial ...
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... 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 ...
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... 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 ...
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... 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, ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... , 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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What’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 ...
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... 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 ...
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... 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 ...
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What’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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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, ...
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... 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 ...
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... 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.
;
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... 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 ...
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... .
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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... (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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... , 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... .
; 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 ...
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... . 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 ...
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... .
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 ...
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... , 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 ...
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... 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 ...
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... 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 ...
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... -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 ...
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... 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 ...
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... 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 ...
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... 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 ...
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... 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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