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Public liability insurance
Public liability cover for your business
Public liability insurance helps business owners find protection against legal liability and defence costs. It covers claims made by the public that happen in connection with your business activities.
Public liability insurance is often provided with product liability insurance. If necessary, it can help cover compensation claims if you’re found liable for accidental personal injury or damage to someone else’s property arising from your products or services.
Sometimes called “general liability insurance”, public liability can cover events ranging from minor workplace incidents to serious accidents.
Who needs public liability insurance?
Small businesses through to large enterprises can face legal liability claims they're not equipped to absorb without adequate insurance cover.
If customers or the general public visit your business premises, or you operate on client sites, public liability insurance is essential for protecting against risks.
For the trades industry, public liability cover is often mandatory before accessing worksites. You may require more than the minimum level of cover, so it’s sensible to review your public liability policy for each new contract.
If there is any chance that your business could cause unexpected personal injury or damage to property, talk to us about finding the right liability cover.
What does public liability insurance cover?
Business public liability insurance policy typically covers:
- compensation payments for third-party injury or even death
- repair or replacement costs for accidental damage to property or possessions
- medical treatment including the cost of an ambulance call-out
- legal expenses while you’re defending public liability claims
- defective work for businesses involved in trade occupations
- personal injury or property damage arising from advice, services or training given free of charge.
Our local insurance brokers will help develop a liability insurance package tailored to your business needs.
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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.
