Public Liability Insurance

Public liability insurance is designed to cover you or your business in the event of third party claims being made against you for negligence in the event of damage to a third party's (your clients) property. 

Public liability insurance can also provide cover for you and your business if it’s deemed liable that you have caused persons to suffer injury or illness as a result of your business practises.

If you were ever put into a situation which made you or your company liable, having the right insurance can give you the liability protection you need.

Why have public liability insurance:

  • Even if you don’t have visitors to your construction site, office or home, you could still suffer a public liability claim against your business; for example, if you accidentally damage a client’s property while renovating their home.
  • Anyone working for you could trigger a public liability claim against your business if their actions at work injure a client or member of the public.
  • Many companies and organisations will also insist on their suppliers having public liability insurance cover in place 


Liability Insurance Quotes NZ helps you get the right liability Insurance cover if you or your business is deemed liable and have to pay a member of the public or client compensation following accidental injury, or cause damage to their property.

Public liability insurance cover protects you against risks such as:

Risk Example

Injury to the public

A client trips over a computer cable whilst attending a meeting at your office and is injured.

Property damage

An employee knocks a tin of paint over a client’s furniture or carpet and it has to be replaced.

Legal costs

Fees and expenses for defending yourself against any prosecution under health and safety legislation.

What is the right level of cover for your business

When working out the right level of cover for your business, you should consider:

  • What are the main risks you face
  • How much the most serious claim you might face could cost (not forgetting legal fees)
  • Whether you have any contracts which stipulate that you have to buy a certain level of cover

Get A Quote

Do you need more information?
If you’d like to know more or speak to one of our friendly team members please

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Why Liability Insurance Quotes NZ

Personalised Advice Service

Insurance and financial planning is not about “one size fits all”.  We will provide personalised advice and service that works in the best interests of you, your family and your business. 

Professional team

Our Advisers are professional with industry relevant qualifications, who pride themselves on keeping up with current trends while also meeting regulatory requirements.

Liability Insurance Quotes NZ

At Liability Insurance Quotes NZ, we offer a truly personalised service to make certain you are getting the best levels of service and the commercial business insurance you need to protect your business.

Better Terms

We're confident that the insurance terms that we will put forward can meet your requirements better than any other broker or adviser in terms of service, and product.

No queue waiting

You will not stand in a queue waiting to see one of our Advisers. We pride ourselves on being easily accessible to our clients, in our office or at your home, at a time that suits you.

No Fees

We can offer a range of finance options, including direct debit to ease the payments, and cover can be arranged instantly over the phone in most cases. If we can’t arrange cover immediately we will always keep you fully updated