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Do I need Public Liability Insurance?

... 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 ...

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What does Public Liability Insurance Cover?

... insurance in place is vital for helping you stay in business for the long run. Different types of claims will occur in different types of businesses. For example, cafes and retail spaces always have potential liability ...

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Public Liability Insurance

... the right cover Public Liability Insurance cost Public Liability Insurance For your Business As ... million. Policies are typically tailored to suit the type of industry your business operates within. However, the ...

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What does Public Liability Insurance Cover?

... work for any metropolitan council will require a minimum $2m cover. Every business should consider Public Liability Insurance - even home-based businesses. It covers you and the actions of your employees for potential ...

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What is Public Liability Insurance?

... pockets (and some) because you tried to save a bit of cash by not purchasing the right amount of Public Liability insurance, or worse, didn't have any at all. If the risk to your businesses is such that you would go ...

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How much does Public Liability Insurance cost?

... Liability insurance. Also known as General Liability or Broadform Liability, Public Liability insurance is an essential form of cover for almost every type ... a stand-alone Public Liability insurance policy can cost for a ...

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Insurance Options for Retailers

... risk for things to go wrong. Having the appropriate retailers insurance in place to protect your retail store is a smart ... covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent ...

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Types of small business insurance in New Zealand

... as, the industry you operate in, your trade, and the type of business you run. It will also be influenced by the ... Get Free Quotes Employers Liability Insurance Employers Liability Insurance protects the company and ...

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Statutory Liability Insurance

... 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 ...

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Cyber Liability Insurance

... costs to New Zealand businesses as a result of Cyber crime is $650 million annually* Cyber Liability Insurance is designed to protect your business against the expense and legal costs arising from data breaches which ...

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Employers Liability Insurance

... a safe working environment, and no matter how much we plan, accidents do occur. Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering ...

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What does Professional Indemnity Insurance Cover?

... may need 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 ...

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Insurance for Cleaners

... if things go pear shaped. ; Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of cover for cleaners, providing protection ...

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Insurance for Plumbers

... Don't risk letting an expensive claim for property damage flush your business away by not having Public Liability insurance. As a plumber it is a vital form of cover that protects you and your business against claims ...

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Insurance For Cafés and Restaurants

... P ublic L iability insurance and G lass insurance before signing a lease. ; Insurance for cafés and restaurants Public Liability* Public Liability insurance is  designed to ...

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Insurance for Handyman

... features offered by each policy. BizCover is the go-to website to get affordable and suitable public liability insurance quotes from leading New Zealand insurers. A few clicks are all it takes to get the best public ...

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Insurance for Painters

... only the insured and their employees, not subcontractors. ; Insurance for Painters Public Liability Public Liability is perhaps the most important insurance option for painters to consider. It will protect you ...

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Insurance for Tradesmen

... or annual turnover. A relatively small and quick job can result in many thousands of dollars damage. ; Insurance for Tradesmen Public Liability Don't get stuck between a wall and hard place by not having Public ...

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Insurance for Personal Trainers

... it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the ... ; Insurance for Personal Trainers and Fitness Professionals Combined Professional Liability Package ...

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Insurance for Photographer

... ? Often referred to as General Liability insurance, Public Liability insurance is designed to provide protection for ... it to be covered by your insurance. ; *As with any insurance, cover will be subject to the ...

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Insurance for Hairdressers

... an extensive range of insurance products to cover many types of risks and liabilities, meaning that you ... months to conduct repairs or re-build. Business Interruption insurance can cover the loss of income and some of the ...

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Insurance for Consultants

... you a couple of thousand dollars. Public Liability insurance will protect you from any financial losses which ... without your business assets? Business Insurance allows you to select the types of coverage that best suit ...

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Insurance for IT Professionals

... Cyber Insurance Working within the IT industry, you would be more than mindful of the types of ... a toll on your business' reputation. Cyber Liability Insurance covers the costs which can be incurred following ...

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Insurance for Shop Owners

... and that's where Public Liability insurance comes into play. Public Liability insurance is designed to provide ... also covered. Examples of the types of risks Cyber Liability insurance can assist with are unintended ...

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It's Time for an Insurance Health Check!

... have the right types 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 ...

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Insurance 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 ...

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Retailer Insurance

... customer data and credit card details in which case you may be liable for claims. However, with cyber liability insurance in place, you may be covered for legal costs and expenses related to cyber risks. ;

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Insurance for Mortgage Brokers

... against your business. Public Liability Public liability insurance helps protect your business ... could put you out of business. The right public liability cover can defend you against compensation claims and legal ...

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Insurance for Engineers

... You may need public liability insurance to protect yourself against any claims and liabilities that arise due to ... Statutes can typically be covered by a Statutory Liability policy. The policy covers your legal defence ...

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Insurance for Allied Health Professionals

... can rely on us to look after your business insurance. As an allied health professional, small mistakes can ... taking out public liability insurance for your protection. ; Claim example A yoga instructor hired premises ...

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Insurance for Beauty Salons

... – and not the type a tad of concealer can fix. Professional Indemnity Insurance is designed to protect ... and damage can be expensive to fix. Public Liability Insurance provides peace of mind against claims made against ...

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Insurance for Architects & Designers

... night. Why not compare quotes for Architects and Designer insurance today from the friendly team at BizCover? Taking out ... then the short answer is yes. Public Liability insurance is an important form of cover to protect ...

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Insurance for Accountants & Tax Agents

... If yes, then Public Liability Insurance is a vital type of insurance to protect your business against ... not able to operate and work with clients. Cyber Insurance As an Accountant, you work and rely on sensitive client ...

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BizCover and PriceMe

... 't have to do the research or the calling around to different insurance companies - we've done that for you. With just a few ... the types of policies relevant to your business. Public Liability Insurance Protects ...

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Help Protect your small business' reputation

... not provide cover. There are a few types of claims that could affect the reputation of ... were to be the victim of a cyber attack, Cyber Liability insurance is there to help by providing coverage for expenses and legal ...

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BizCover and Boost Your Business

... types of policies relevant to your business. Professional Indemnity Insurance Protects ... interrupted due to an insured event. Statutory Liability Insurance Protects you and your business against the costs ...

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Bizcover and Massage NZ

... take care of your clients; we'll provide the insurance. Massage therapists are in a unique position of trust ... you could be held liable. A Professional Liability Package provides important financial protection in the ...

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Bizcover and Nutrition Society of NZ

... Business Insurance at an additional cost to protect against material damage losses suffered due to an unexpected event, like fire, storm, theft, natural disasters and accidental damage. ; Professional Liability Package ...

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BizCover and Reflexology NZ

... considerable amount to defend yourself. A Professional Liability Package provides essential financial protection in the ... preferred insurance partner of Reflexology New Zealand. We offer a tailored insurance package from ...

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BizCover and NZ Qualified Bookkeepers Association

... be held liable. That's why a Professional Liability package can provide essential financial protection in ... upon as advice. Before deciding to purchase a new insurance policy, which is a financial product, you should read ...

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BizCover and NZ Retail

... glass and for loss of revenue due to business interruption in specified circumstances. Public Liability Public Liability insurance** is designed to provide protection for your retail business in the event a customer ...

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Insurance for Real Estate Agents

... Liability This insurance is an essential component of any business' insurances. It covers your liability to ... business as a result of any insured peril. Cyber Liability Working as a real estate agent, you will have ...

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Cyber Insurance - Is it worth it?

... also provide coverage for regulatory defence, penalties and fines. Is cover pricey? Like most insurance, premiums vary by insurer, the type of cover selected and your risk profile. A policy with $100,000 cover could ...

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What is Professional Indemnity Insurance?

... a leg! ; Do I really need Professional Indemnity Insurance? If you are being paid to provide your professional ... cost. The surveyor's insurer recognised his liability and made a quick settlement offer. Interestingly ...

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Insurance for Bookkeepers

... arrange your business insurance - just ... Liabilities Recording, Monitoring and Tracking Income and Expenses Reporting Requested Bookkeeping Information Bookkeepers generally require professional indemnity insurance ...

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What is Business Insurance

... has its own unique exposure to risks. The good thing about Business Insurance is its flexibility, meaning you can select the types of insurance that will suit your business needs. Depending on where your business ...

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Do I need Business Insurance

... policies to be customised to suit your business. Here are a few examples of how Business Insurance can protect different types of businesses and their areas of risk. Tradesmen on the job Your tools are vital to ...

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Introducing Work From Home Insurance

... Work From Home Reputational Risk Insurance* Work From Home Reputational Risk Insurance* is there to turn ... never be the same. Get your work from home insurance before your next meeting goes wrong—available April 1st ...

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Do I need Professional Indemnity Insurance?

... I need Professional Indemnity Insurance Insurance? Professional Indemnity insurance is an essential form ... your business for good. That's where Professional Indemnity insurance comes in to play. If a client makes a ...

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Business Insurance

... make your business run smoothly every day. Business Insurance is designed to safeguard your contents, stock and ... , like fire, storm, theft and accidental damage. The type of cover and the amount you need will depend on ...

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Tool and Portable Equipment Insurance

... portable property is required to be securely stored for it to be covered by your insurance. ; ; *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy ...

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Insurance for Travel Agents and Tour Operators

... clients' itinerary is fun, and so is sorting out your business insurance. With just 4 steps or one phone call, you can get ... Indemnity Insurance for Travel Agents and Tour Operators Professional Indemnity (PI) insurance ...

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Professional Indemnity Insurance

... or association with a set requirement to hold PI insurance? If so, how much cover do they require ... contracts specify that you must hold a certain level of PI insurance? What is the value of the jobs that you perform? ...

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What does business insurance cover

... premises a re most likely one of your most valuable assets that you will want to insure. Building insurance c overs your building if it i s damaged as a result of a fire, storm, malicious activity ...

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Business Insurance FAQs

... easy to understand. Get Free Quotes ; ; ; Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover by comparing quotes from New Zealand’s leading ...

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Insurance for Recruitment Consultants

... clients is your expertise and getting you the right insurance is ours. With just a few clicks or a ... date will be specified in the policy schedule. All PI insurance policies will have a 'limit of indemnity' and a ' ...

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Insurance for Immigration Advisers

... Indemnity (as at July 2017). ; Insurance for Immigration Advisers Professional Indemnity Insurance Professional Indemnity (PI) insurance provides essential financial protection for Immigration Advisers ...

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Reviews related to Types Of Liability Insurance

  • 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

  • Highly recommended way of doing business insurance with out hassles and cost effective

    Peter Digby
    Manufacturing

  • IT WAS NICE AND EASY TO RENEW THE INSURANCE- THANK YOU FOR A TROUBLE FREE EXPERIENCE

    Janette Wallbutton
    Real Estate

  • Easy to deal with; did as they said. ie when I asked them to call back they did. Normally choosing insurance is a big headache but this was so straightforward and pleasant. I would definitely recommend them. A

    Alisa Drewett
    Medical

  • I found getting insurance from BizCover exceptionally easy, did it over the phone,the representative that I was dealing with explained everything clearly and walked me through the whole process from start to finish.

    Tina Buckler
    Allied Health

  • 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

  • I did fill this in before - don't know what happened to it. I thought the on-line service was good. The real proof about the value of any insurance product though is what happens when you have to claim!

    Alison McDonald
    Consultancy Occupations

  • Nice and fast, but not immediately obvious where to download insurance certificate.

    Charles Brooks
    Consultancy Occupations

  • Extremely easy, user-friendly online purchase process, really good. But like all insurance the value isn?t known until you need to make a claim. I hope if that?s ever needed, that process and customer service is equally as good.

    Angela Clarke
    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

  • 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

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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?