Types Of Liability Insurance

Types Of Liability Insurance

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What is Public Liability Insurance?

... injury risks. Fitness Professionals - Personal trainers, yoga instructors and others working in the fitness industry ... Insurance Options for Retailers - From Public Liability to Cyber Liability, learn more about the types ...

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What does Public Liability Insurance Cover?

... occur to employees, require a different type of cover. Public Liability insurance also does not apply to being ... cost of a claim? How do I make a claim on my insurance policy? Need to make a claim? No dramas! We're here ...

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How much does Public Liability Insurance cost?

... average cost of Public Liability insurance by industry? Typically, the type of industry that ... of cover amongst our New Zealand customer base for Public Liability insurance is $1 million, however there is the option to ...

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Public Liability Insurance

... Liability cover to choose from, being $1 million, $2 million, $5 million, and $10 million. Policies are typically tailored to suit the type ... work could be costly. Public Liability Insurance allows you to cover yourself if ...

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Do I need Public Liability Insurance?

... need? How 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 for ...

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Understanding Employers Liability Insurance

... to consider having this type of business insurance in place. What is Employers Liability insurance ? You may take ... conditions that happen over time and are caused by the type of work you do. This is known as gradual ...

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What are the Risks in Running a Yoga Studio?

... yoga studio operators to risk and where business insurance could help protect against the risks involved in being a yoga teacher who runs their own yoga studio as a small business owner. Public liability ... your yoga studio ...

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How to Open a Yoga Studio

... their own yoga studio in New Zealand can enjoy peace of mind by reducing the risks to their business via business insurance such as yoga insurance. And a great way to do that is with insurance for yoga teachers * . ...

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What Insurance Policies do Yoga Studios Need?

... Different types of yoga insurance can help protect you against risks unique to yoga studios and ones that are part of running any business. Why do yoga studios need insurance? There are many reasons why yoga teachers and ...

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Business Tips for Yoga Studios

... do that is to invest in business insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance quickly and easily, without the drama ...

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Insurance for Yoga Teachers

... space for your yoga studio, you may be required to have Public Liability* coverage and show proof of insurance when you sign a lease. What Insurance do Yoga Teachers need? Insurance can help yoga teachers keep their ...

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Statutory Liability Insurance

... Professional Indemnity and Statutory Liability Insurance*? These two types of insurance are designed to cover ... between Statutory Liability insurance and Public Liability insurance? Public Liability insurance is intended ...

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What does Public Liability Insurance Cover?

... types of businesses from tradies to retailers, accountants and personal trainers. Let's take a look at what is typically covered and excluded from a Public Liability insurance policy. Public Liability ... the types of ...

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Cyber Liability Insurance Explained

... Cyber Liability insurance typically cover? Cyber liability insurance is a type of business insurance which ... There isn't a one size fits all Cyber Liability insurance policy, so the actual cost will depend your business ...

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Tradie Guide to Public Liability Insurance

... Liability Insurance? As one of the more popular types of business insurance for small business owners, Public Liability insurance ... as a sole trader , Public Liability insurance can be a critical strategy for reducing ...

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Cyber Liability Insurance

... What is Cyber Liability Insurance? Cyber liability insurance is a type of business insurance which protects ... Business Need To Consider Cyber Liability Insurance? Cyber Liability insurance is designed to help safeguard ...

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Public Liability Insurance Explained

... insurance in place, how would you be able to pay for the related legal costs as well as compensation if a claim was made against your business? Types of Public Liability claims These are some examples of typical ...

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Employers Liability Insurance

... conditions that happen over time and are caused by the type of work you do. This is known as gradual ... accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a ...

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Insurance for Consultants

... insurance* is one of the main types of insurances you may need to consider, as well as Public Liability insurance* and Business Insurance*. Professional Indemnity insurance ... of Professional Indemnity insurance in place. It ...

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Business Insurance

... of cover, there may be some situations where certain types and levels of cover are mandatory. For example Public Liability or Professional Liability insurances are a common requirement for individuals who work on certain ...

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Insurance for Travel Agents and Tour Operators

... . These are some of the typical types of business insurance coverages you may need to consider when ... increase sales to understanding the nitty gritty of Public Liability insurance. We've got your next coffee break sorted ...

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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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Business Insurance FAQs

... that insurance can sometimes ... Liability Insurance? What does public liability insurance cover? Do I need public liability insurance? What is Professional Indemnity Insurance? What does professional indemnity insurance ...

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Marketing Tips for Yoga Instructors

... of your yoga classes or yoga studio you identify opportunities ... insurance such as insurance for yoga teachers *. BizCover works with yoga instructors throughout New Zealand to help them secure their yoga insurance ...

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How Cyber Insurance Protects Small Businesses

... return to service. Let's take a look at Cyber Liability insurance * and how it can help to protect your small ... Liability insurance is designed to protect you below. Cyber liability insurance is a type of business insurance ...

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What is Business Insurance

... type of business operations you perform Your annual turnover The number of staff Level of cover Claims history What's the difference between Business Insurance cover and Public Liability insurance ... insurance professionals ...

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Do I need Business Insurance

... to occur and you didn't have the right businesses insurances in place, your reputation could be destroyed in the ... you to have certain types of cover in place like Public Liability insurance* or sometimes Glass Cover ...

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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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Why You Should Review Your Business Insurance

... thing which shouldn't be forgotten is reviewing your business insurance. It's often one of those set and forget things ... depend on the type of your insurance. Read the below carefully: Public Liability *: is designed to ...

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Insurance For Cafes and Restaurants

... you are running The type of coverage you take out Your excess The level of cover Your claims history Location of your business Do I need Product Liability insurance? Product Liability insurance is often included in ...

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Insurance for Personal Trainers

... public space like a council park for example. Public Liability insurance is designed to provide protection for you and your business ... Combined Professional Liability package Having a combined Professional Liability package ...

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Insurance for Cleaners

... care of all the messy bits of searching for cleaner's insurance. In just a few clicks or a phone call you ... Business Insurance for Cleaners Public Liability Insurance* Public Liability insurance is an important type of ...

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Retailer Insurance

... may be liable for claims. However, with Cyber Liability insurance in place, you may be covered for legal ... how to get in touch with one of our business insurance professionals. You can also access quick links to our self ...

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Cyber Insurance - Is it worth it?

... of an employee with a grudge, you may not be coveredby your Business Interruption policy.This is where Cyber Liability insurance provides cover. Cybercrime is a real threat. Make sure you have the right cover in place We ...

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Insurance for Photographers

... to as General Liability insurance, Public Liability insurance is designed to ... insurance, videographer's insurance, or wedding photography insurance. It may help to ask yourself these questions as you decide what type ...

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Insurance by Industry

... Recruitment Consultants Retailer Shop Owners Tradesmen Travel Agents and Tour Operators Yoga Teachers Protect your business today. * * As with any insurance, cover will be subject to the terms, conditions and exclusions ...

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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 for Engineers

... , it may be a requirement that you have your own Public Liability insurance* cover in place. Be sure to also check the exact level ... circumstances. Some of the different types of business insurance options you may want to ...

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Insurance for Shop Owners

... covered. Examples of the types of risks Cyber Liability insurance can assist with are unintended ... s why there isn't a stock-standard price of business insurance for shop owners. When calculating the price of your policy, ...

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Insurance for IT Professionals

... business' reputation. Cyber Liability insurance is a type of business insurance product which protects your ... damage from the error. How do I make a claim on my insurance policy? Need to make a claim? Too easy! We're here ...

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Insurance for Immigration Advisers

... at your place of business makes Public Liability insurance an important form of cover to protect you ... does Professional Indemnity insurance cover? One of the fundamental types of business insurance coverages, we share ...

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Insurance for Bookkeepers

... Liability insurance is one of those fundamental types of insurances that bookkeepers need to consider. Public Liability Insurance, often referred to as General Liability ... wise to check what type of cover and the amount ...

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Insurance for Real Estate Agents

... the ACC)- this is where Public Liability insurance* can help When you're out ... insurance-part 2: Professional Indemnity insurance https://www.bizcover.co.nz/understanding-insurance-part-two-professional-indemnity-insurance ...

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Insurance for Allied Health Professionals

... Yoga Instructors Public Liability and Product Liability Public and Product Liability Insurance ... running. There are a variety of different types of business insurance options to help keep your allied health business ...

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Insurance for Accountants & Tax Agents

... your offices are located can impact how much you pay for insurance. Who is being covered - Are all members of staff ... ? If yes, then Public Liability Insurance is a vital type of insurance to protect your business against ...

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Insurance for Recruitment Consultants

... a premises for your business, Public Liability insurance may be required as part of your ... Professional Indemnity insurance. https://www.bizcover.co.nz/what-does-professional-indemnity-insurance-cover-business/ Take back ...

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Insurance for Beauty Salons

... the peace of mind that insurance can bring. Make Up ... type of insurance policy helps protect your professional reputation against claims of negligence or professional misconduct made by clients. Public Liability insurance ...

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Insurance for Plumbers

... you'd like to find out more on all things business insurance and some tips to help your plumbing business, these are ... business with Public Liability insurance It's one of the fundamental types of insurances you need to ...

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Insurance for Handyman

... liability insurance ... Insurance policy can also cover your portable equipment, accidental damage and loss of revenue due to business interruption in specified circumstances. A handyman might consider including these types ...

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Insurance for Painters

... insurance* – Public Liability insurance for painters may be a requirement before you step foot on site and one of the fundamental types ... like to find out more about business insurance and some tips and tricks to boost ...

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Insurance for Carpenters

... be facing an expensive claim or lawsuit. Public Liability insurance helps create a safety net for you and your ... to get in touch with one of our business insurance professionals. You can also access quick links to our ...

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Do Hypnotherapists need Business Insurance?

... office and may not worry about the types of risks that Public Liability insurance covers. However, a patient can be ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Managing your Public Liability risks as a tradie

... running the risk of not having proper coverage in place. Things can change quickly, and the type of Public Liability insurance you may have originally taken out for your tradie business may not be up to date, reflecting ...

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Tradie Guide to Professional Indemnity Insurance

... type of business insurance for tradies in New Zealand, yet in reality it can be relevant and very handy given the fact that many tradies provide professional advice to their customers for a fee. While Public Liability ...

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Tool and Portable Equipment Insurance

... sporting equipment and products Yoga instructors- specialised yoga equipment like props, pillows ... about this fundamental type of business insurance. https://www.bizcover.co.nz/public-liability-insurance-explained/ 6 Ways ...

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Do Dog Walkers Need Insurance?

... review Public Liability insurance (also known as dog walking insurance or dog walking liability insurance) is ... is truly a walk in the park! Does looking for insurance make you feel like you're chasing your own tail? ...

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What does business insurance cover

... professional hair and beauty products Personal trainers and yoga teachers- insures items like your sporting equipment if ... agents If you feel unsure of the types of business insurance your business may need, jump online or ...

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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: ... , if necessary). What types of professionals need Professional Indemnity insurance? Within New Zealand, it ...

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What Insurance do Beauty Salons Need?

... the premiums for some types of insurance. Typically, Public Liability and Professional Indemnity premiums ... is located can also impact how much you'll pay for insurance. If you're in a neighbourhood with a high crime rate ...

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Saving Hacks- Business Insurance For Tradies

... tradie, you may require several different types of insurances to protect your business. Packaging ... check your policy. Many forms of business insurance, including Public Liability* may have pricing that is partly affected ...

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Tradies Guide to Business Insurance Packages

... owner has to hold Public Liability insurance, this type of tradie insurance offers a great way for ... when a spanner gets thrown into the works, that's where tradie insurance can help. You may run a one-man band or have a ...

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Reviews related to Types Of Liability Insurance

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Did you Know?

Commercial leases often require tenants to maintain Public Liability insurance and Glass insurance. There may also be a requirement that your landlord is noted as an interested party on the insurance policy.

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?

Could this happen to your business?

While we may strive for perfection, making mistakes is a part of the human condition. But since your clients rely on you to get the job done, a mistake in your line of work could be costly. Public Liability Insurance allows you to cover yourself if, and when, you do slip up in your day-to-day operations. Accidents can happen at any time. Some of our customers can attest to that!

Here is a real-life claim example:

A landscape gardener who was working at a private residence needed to use a garden power tool to complete the required work. Whilst operating the machine he accidentally lost control of it damaging the side of his client’s house. The landscape gardener’s insurer quickly agreed that he was negligent, as the damage arose out of the operation of the insured’s business activity. They settled the claim with the homeowner’s own insurer within one week. Most importantly however, the homeowner has continued to hire the landscape gardener despite the incident as the matter was able to be settled easily and quickly due to the landscape gardener’s Public Liability cover.**

Why choose BizCover for your Public Liability Insurance?

At BizCover, our task is to make Public Liability insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your Public Liability insurance.

New Zealand’s number one online insurance company

We take more pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer.

Built for small business

We know Public Liability insurance. We also know makes small businesses tick.

We won’t confuse you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

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.

How do I make a claim on my insurance policy?

Need to make a Public liability claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

*This information is a general guide only and does not take into account your objectives, financial situation or needs. 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. BizCover Limited is owned by BizCover Pty Ltd (ABN 68 127 707 975)

**The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this article is general only. Coverage for claims on the policy will be determined by the insurer, not BizCover, and will depend on the specific facts and circumstances involved.

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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