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 ...
read moreHow 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 ...
read moreWhat 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 ...
read morePublic 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 ...
read moreDo 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 ...
read moreUnderstanding Insurance, Part One: Public Liability Insurance
... with one of the fundamental types of cover, Public Liabil i ty Insurance. What is Public Liability I nsurance * ? Public Liability Insurance, often referred to as General Liability Insurance, protect s you and your ...
read moreUnderstanding 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 ...
read moreA Designer's Guide To Understanding Cyber Liability Insurance
... Liability insurance* can help provide a safeguard. What is Cyber Liability insurance? Cyber liability insurance is a type of business insurance ... webpage. Get your Cyber Liability insurance sorted- having your policy ...
read moreWhat 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 ...
read moreHow 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 * . ...
read moreWhat 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 ...
read moreBusiness 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 ...
read moreEmerging Auckland Yoga Studio Wins National Small Business Grant
... themselves in their daily lives.” The leap from yoga teacher to business owner has been an interesting one, ... wellness clinic to the studio” Thanks for getting your insurance with BizCover . To see when the next BizGiver ...
read moreInsurance 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 ...
read moreStatutory 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 ...
read morePublic Liability Insurance: 5 Tips for choosing the best policy for your business
... , accidents happen. If you don't have Public Liability insurance you face the risk of being out of pocket for ... business activities Most Public Liability policies are tailored to suit different types of businesses; however ...
read moreWhat 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 ...
read moreCyber 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 ...
read moreTradie 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 ...
read moreAn Accountants Guide to Understanding Public Liability Insurance
... types of insurances in place, like Public Liability insurance*. Our guide breaks down the basics of Public Liability insurance ... event that you may be faced with a Public Liability claim. If a claim were to occur, take a ...
read moreUnderstanding Cyber Liability Insurance – A Guide For Engineers
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read more5 Things To Consider About Public Liability Insurance For Your Small Business
... Liability insurance*. It's a common type of business insurance and something that many different types ... help with your policy. Visit bizcover.co.nz and get insurance for your small business without the stress so you can ...
read moreUnderstanding Insurance, Part 4: Cyber Liability Insurance
... insurance? Replacement equipment Property damage Prior known facts / circumstances (before the policy commenced) Intentional acts Types of Cyber Liability claims Website hijacked and defaced Computers infected ...
read moreCyber 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 ...
read morePublic 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 ...
read moreAn Accountants Guide to Understanding Cyber Liability Insurance
... Liability insurance and what it provides coverage for. Cyber liability insurance is a type of business insurance ... sending you out of business for good. Cyber Liability insurance is a safeguard that gives you peace of ...
read moreA Contractors Guide To Understanding Product Liability Insurance
... and opportunities are endless when it comes to the types of industries you may work as a contractor in ... a lot of money, and without the appropriate Product Liability insurance you could find yourself in a spot of bother. ...
read moreAn Engineers Guide To Understanding Public Liability Insurance
... types of engineering insurances, our guide is keeps it simple on all things Public Liability insurance* for engineers. You might have encountered Public Liability insurance ... your own Public Liability insurance policy in ...
read moreHow Plumbers Can Protect their Business with Public Liability Insurance*
... the last thing you need is a claim to flush your dreams away. With the appropriate level of Public Liability insurance in place, you are providing a financial safeguard to help you stay around for the long haul. What are ...
read moreEmployers 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 ...
read moreHow To Protect Your Plumbing Business With Public Liability Insurance
... hard-earned reputation. As a plumber, it may be a legal requirement to have a certain level of Public Liability insurance in place before you can step foot on certain sites. It is always important to check this and the ...
read moreWhy businesses in New Zealand need to consider Statutory Liability insurance
... . An integral part of any risk management strategy is to incorporate Statutory Liability insurance *. This type of insurance protects you, your business and your employees against certain unintentional breaches of ...
read moreA Contractors Guide To Understanding Public Liability Insurance
... type and nature of your business Your business turnover and size The amount of insurance cover your business requires Other factors that could affect the cost of your Public Liability ... nz and get insurance for your ...
read moreInsurance 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 ...
read moreMassage Therapy Insurance: here's why you need it!
... your reputation in the case of an alleged breach of professional misconduct. Maintaining a Professional Liability Insurance package is not only a best practice standard for health professionals, but rather a necessity ...
read moreBusiness 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreBusiness 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 ...
read moreMarketing 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 ...
read moreWhat 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 ...
read moreDo 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 ...
read moreInsurance 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 ...
read moreWhy 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 ...
read moreWhat Photographers Need to Know About Business Insurance
... types of insurances photographers need to consider? Public Liability insurance * One of the most common forms of insurance is Public Liability ... should the worst happen. Business Insurance * Take the time to think ...
read moreInsurance options to protect your cleaning business
... cleaning business. What is Public Liability Insurance * ? One of the fundamental types of insurances for most kinds of businesses is Public Liability insurance . Public Liability insurance is designed to cover the legal ...
read moreWhy Do Marketing Consultants need Professional Indemnity Insurance?
... , you may need to consider Public Liability insurance . Public Liability insurance is designed to provide protection for ... covered. Examples of the types of risks Cyber Liability insurance can assist with are inadvertent ...
read moreThe difference between public liability and professional indemnity insurance
... between Professional Indemnity and Public Liability insurance as the two types of cover can often cause ... provisions of your service Do I really need Public Liability Insurance? If you or your employees interact with other ...
read moreHow 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance for Marketing and Multimedia Professionals
... with you. If you work on contracts certain types of business insurance may be a requirement, make sure you have ... a step ahead of the game and having Public Liability insurance in place means it is one less thing you need ...
read moreInsurance 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 ...
read moreThings to consider when purchasing business insurance
... basic areas to look at when figuring out the type of business insurance you need to consider to protect your business. ... which are covered by the policy. Public Liability insurance* : is designed to provide protection for ...
read moreRetailer 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 ...
read moreCyber 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreIt'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 ...
read more6 Essential Types of Business Insurance in New Zealand
... a Cyber Liability policy. Cyber liability insurance is a type of business insurance product which ... plan in place to protect it. Having the right types of business insurances in place not only gives you peace of mind, but ...
read moreInsurance 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, ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreInsurance 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 ...
read moreA Tradies Guide To Getting Your Business Insurance Sorted
... which policies cover what and the type of coverage you need, we've ... types of business insurance tradies need to typically consider for protecting their business. Public Liability* In a nutshell, Public Liability insurance ...
read more4 Things To Check Before Buying Your Business Insurance
... types of insurances that your business may require: Public Liability insurance*: Public Liability insurance ... BizCover can help. Once you have a rough idea of the type of policies your business may need , let us get your ...
read moreInsurance 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 ...
read moreTradie insurance- how to get a quote quicker than a smoko
... your tradie business: Public Liability insurance* Tool and Portable Equipment cover* Business Pack* Cyber Liability insurance* To find out more information about the different types of business insurance, this guide has ...
read moreBusiness On The Go? Be In The Know About Business Insurance
... of mobile businesses it may be a requirement to have certain types of insurances in place. Things like Public Liability insurance may be required if you work in certain public spaces like a market for example. If you ...
read moreManaging 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 ...
read moreDo 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 ...
read moreWhy Bookkeepers need Professional Indemnity Insurance
... Liability insurance , Statutory Liability insurance , and Cyber Liability insurance . But arguably the most critical type of business insurance for bookkeepers is Professional Indemnity insurance ... Indemnity insurance . ...
read moreA Designers Guide To Understanding Portable Equipment Insurance
... designs. You may be familiar with different types of designer insurances, but this guide is going to focus ... it's Portable Equipment insurance, Professional Indemnity insurance*, Public Liability insurance* or a mix of ...
read moreHow To Avoid These Mistakes When Buying Business Insurance
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read moreWhat Is The Difference Between Public Liability And Professional Indemnity Insurance?
... Liability insurance is something you may want to keep in mind. Here are some examples of other types of businesses who may consider this type ... your day. Rather chat to a Business Insurance Specialist? Call us on 0800 249 ...
read moreTool and Portable Equipment Insurance
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read moreIs Public Liability enough for your cleaning business?
... priceless vase, Public Liability insurance* is designed to ... type of cover is suitable for cleaning professionals, it's important to consider what risks threaten your business and see whether there is a suitable insurance ...
read moreTradie 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 ...
read moreWhat every New Zealand tradie needs to know about insurance
... of just how important it is to have the right business insurance s in place for when things don't go exactly to ... before you start working on the job. Public Liability insurance may also be a requisite to become a member ...
read moreDo Dog Walkers Need Insurance?
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read moreOnline service saves SMEs hundreds on their business insurance
... when he switched through BizCover. 1 Peter is an IT consultant near Hamilton. He saved $2000 on his IT Liability insurance when he switched through BizCover. 2 Gamini is a handyman in Botany Downs. He saved $500 on his ...
read moreWhy Engineers Might Consider Professional Indemnity Insurance
... professional liability claims. As you will see further down in this blog, these claims can be expensive. Fortunately, Professional Indemnity insurance ... benefits of carrying this type of insurance, particularly for those ...
read moreAn Engineers Guide To Understanding Professional Indemnity Insurance
... claims would typically be covered by Public Liability insurance*) What may cause a Professional Indemnity claim ... cost. Some of these factors may include: the type of engineering business you own any previous claims the ...
read moreWhat 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 ...
read moreSmall Business Insurance: Why you might want to ensure you're covered!
... types of insurance is required. For example you'll find Professional Indemnity might be compulsory if you are part of a professional association. If you rent your premises, public liability ... a Employers Liability policy in ...
read moreWhat 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 ...
read moreSaving 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 ...
read moreWhat 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 ...
read moreTradies 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 ...
read moreBusiness Risk: What Isn't Covered and Why it Matters
... will depend on the type of your insurance. Read the below carefully: Public Liability - This protects ... familiar with how much you're covered for. Using Professional Liability as an example again, you could be covered for ...
read moreHow to protect your small business from cybercrime
... is better than cure, and that's where Cyber Liability insurance 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 ...
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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.