Public Liability Insurance NZ

What is Public Liability Insurance?

Public liability insurance protects your business if a member of the public (not an employee) is injured or their property is damaged as a result of your business operations. It's one of the most important covers for any business that interacts with customers, clients, or the public.

What Does It Cover?

• Personal injury to third parties
• Property damage to third-party assets
• Legal defence costs
• Investigation and settlement costs

Who Needs Public Liability?

Public liability insurance is essential for businesses that:

• • Have customers or clients visit their premises
• • Work on client sites or properties
• • Sell products to the public
• • Organise events or functions

Typical Costs

Public liability insurance costs vary based on your industry, business size, and risk profile. Typical costs start from:

• • Small retail shop: From $500/year
• • Trades business: From $800/year
• • Professional services: From $600/year
• • Construction/contractors: From $1,500/year