Skip to content
The Insurance Collective
Liability

Public Liability Insurance

Covers your legal liability for injury or property damage you cause to others while working.

Request a quote 027 545 0908
Overview

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 it can cover

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.

Ryan & Ashley
Ryan & AshleyDirectors, The Insurance Collective

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us, or one of our other brokers who already knows your cover. That's the whole point of doing this properly.”

Ryan & Ashley

Call the team on 027 545 0908

Frequently asked questions

How much public liability cover do I need?
Main contractors and councils commonly require $1m, $2m or $5m depending on the site. We match the limit to the contracts you're bidding for so you're never turned away for being under-insured.
Do you charge for a quote?
No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.
How much will it cost?
It depends on your specific situation, so the fastest way to a real number is to request a quote or give us a call - we'll tailor it to you and explain the trade-offs.
How quickly can you arrange cover?
For straightforward cover we can often sort it the same day. More complex programmes take a little longer, but we'll keep things moving and keep you in the loop.
What areas do you cover?
We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.
What happens if I need to claim?
You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Related cover

All solutions

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.

Request a quote027 545 0908

or Contact us

  • Free & no obligation
  • Insurance Advisernet member