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Public Liability Insurance For your Business

As much as we like to hope otherwise, accidents do happen. Regardless of the industry you operate in, as a business owner you are liable for property damage and personal injury* to a third parties resulting from your business activities. Whether you work from your own business premises, a home office, your client’s premises, or even out in public, you have a responsibility to your customers, suppliers, and the community. The last thing you want to have to think about is paying hefty legal costs should an unwanted accident occur.

Public Liability Insurance, often referred to as General Liability, gives you peace of mind, protecting you and your business against such claims by providing compensation for property damage, and personal injury or death in circumstances that are not covered by the Accident Compensation Commission (ACC). It also covers any legal defence costs you incur as a result of defending yourself.

Public Liability explained further…

Independent feedback from our customers rated our service at excellent.

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

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?

Quick and hassle free insurance cover for small businesses.

Kelvin C.

I have already given feedback. Really easy and have referred several colleagues to you over the years

Judy O.

The website was v easy to use. I could answer all the questions. It was a simple quick process, I was impressed. Thanks First Advice’s quoting system does my head in, you have to be clued to the instructions, this was a breath of fresh air.

Virginia M.


Janette W.