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Business liability insurance
Protect your business from legal claims and third-party risks
Accidents happen in every industry, and having proper cover helps protect your assets when they do. Business liability insurance covers legal defence costs and compensation that you are legally liable to pay if you cause accidental damage to someone else’s property or unintentional injury to someone in the course of your day-to-day business activities.
Different businesses face different legal liability risks. Explore our liability solutions below or contact a Gallagher broker for a comprehensive insurance review.
Liability insurance for businesses
Public liability insurance
Public liability cover protects your business in the event of claims made by the public in connection with your business activities.
Statutory liability insurance
Statutory liability cover can protect businesses against unintentional breaches of New Zealand law.
Employer's liability
Employers liability insurance covers claims brought by employees who have sustained a personal injury not covered by ACC.
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice.
Directors and officers liability
Director’s and officer's insurance protects your executives and board from personal financial risk.
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees.
Product liability
Product liability cover protects against claims of personal injury or damage to property caused by a business’ products.
Crime and fidelity
Crime and fidelity insurance protects organisations from losses arising from dishonest acts committed by employees.
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust.
Liability consequential loss
Responds to financial losses suffered by a business following a business interruption that's a result of a commercial liability insurance claim.
Criminal defence legal costs
Provides cover for costs incurred in legal disputes brought against you, company officers and employers.
Internet liability
Internet liability insurance provides specialist protection often not included in general business liability coverage.
Find a
broker
Liability and business insurance experts
Gallagher brokers work with businesses of all sizes and across every industry to arrange the right business and liability insurance for their risks, whether you're a sole trader or a large commercial operation.
We have a team of liability specialists who deal with complex and hard-to-place liability insurance policies, who can provide strong technical knowledge and advice to ensure the best possible outcome for our clients.
Talk to a broker for more information about choosing liability cover for your business.
