Public Liability Insurance
Covers your legal liability for injury or property damage you cause to others while working.
Public liability insurance covers your legal liability for injury to other people or damage to their property arising from your business activities. It's the cover clients, landlords and main contractors most often ask you to hold before you can start work.
Public Liability Insurance- what's included
- Third-party property damage you cause
- Injury to members of the public
- Legal defence costs
- Products liability where relevant
Who it's for
Tradies, contractors, retailers, hospitality and anyone whose work brings them into contact with the public or others' property.
Why us
Why arrange it through The Insurance Collective
Genuinely local
Hawke's Bay brokers who know the region and can meet in person.
An advocate at claim time
We negotiate the wording and fight for a fair outcome when it counts.
National buying power
Insurance Advisernet membership means access to every major insurer.
Talk to a real person
“When something goes wrong, you won't reach a call centre - you'll reach one of us - someone who already knows you and your cover. That's the whole point of doing this properly.”
Ryan
027 545 0908Frequently asked questions
How much public liability cover do I need?
Do you charge for a quote?
How much will it cost?
How quickly can you arrange cover?
What areas do you cover?
What happens if I need to claim?
Related cover
All solutions- Professional Indemnity InsuranceProtects you against claims of professional negligence, error or bad advice.
- General & Employers LiabilityEmployment-related and broader liability cover, including employer's liability and disputes.
- Employers Liability InsuranceCovers claims from employees for work-related harm that falls outside the ACC scheme.
Worth reading
Plain-English guides related to public liability insurance.
- Why Use an Insurance Broker?What an insurance broker actually does, how they're paid, and when using one beats going direct. A plain-English guide from The Insurance Collective.
- Insurance Broker vs Going Direct: Which Is Right for You?Broker or buy direct? Compare cost, cover quality, advice and claims support so you can decide which suits your business or personal insurance.
- How Much Does Business Insurance Cost in NZ?What drives the cost of business insurance in New Zealand, how it's priced, and how to get the right cover without overpaying. A broker's guide.
Ready when you are
Get a quote for public liability insurance
Tell us a little about your situation and we'll come back with a personalised quote and straight-talking advice.
or Contact us
- Free & no obligation
- Insurance Advisernet member
