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Liability insurance

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Public liability insurance

Public liability insurance protects your business in the event of an unforeseen incident. It covers claims made by the public that happen in connection with your business's day to day activities.

Public liability insurance is often provided with product liability cover, and ensures if needed you can pay compensation for unintended and unexpected personal injury and property damage 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?

Could you afford to meet the cost of a compensation claim if your business was sued and you didn’t have cover? Do potential clients expect you to hold public liability insurance? Could you lose clients if you’re not insured?

If your business comes into contact with members of the public, if you have visitors to your premises or work on client sites, public liability insurance is a very good idea.

In the trades industry it is often mandatory to have public liability insurance in place before entering worksites. Depending on the nature of your business, you may need more than the minimum level of cover, so it’s sensible to check your policy every new job or contract. 

If there is any chance that your business has the potential to cause loss, injury or damage to other persons or property, you should talk to us about the right liability cover for you.

What public liability insurance covers

Typically, public liability covers:

  • compensation payments for third party injury or even death
  • repair or replacement costs, for damaged property or possessions
  • medical treatment or an ambulance call out
  • legal expenses, while you’re defending any of these claims
  • defective work, for businesses involved in trade occupations
  • personal injury or property damage arising out of advice, services or training given free of charge.

Our brokers will work with you to develop a liability insurance package that fits your business needs.

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Liability solutions

Public liability

Protects your business in the event of claims made by the public in connection with your business' activities.

Statutory liability

Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law

Employers liability

Employers liability protects employers against claims brought by employees who have sustained an injury not covered by ACC

Professional indemnity

Professional indemnity insurance is designed to cover professionals who provide advice

Directors and officers liability

Directors and officers 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 insurance protects against claims of personal injury or property damage caused by a business

Crime and fidelity

Crime and fidelity insurance protect 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 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 covered in general liability policies