Find the right coverage for your business with our comprehensive side-by-side comparison
We compare policies from all major NZ insurers including NZI, Vero, AIG, Chubb, QBE, Zurich, AMP, Tower, and State.
See coverage details, exclusions, and typical costs side-by-side so you can make an informed decision.
Our experienced brokers help you understand your needs and find the best policy at the best price.
Get personalised quotes from multiple insurers with no obligation. See what options are available.
Compare the key features and benefits across different coverage levels. Choose the tier that matches your business needs and risk profile.
| Coverage Feature |
Basic Cover
$1M–$2M
|
Standard Cover
$2M–$5M
|
Recommended
Comprehensive Cover
$5M–$10M
|
Premium Cover
$10M–$20M
|
|---|---|---|---|---|
| Coverage Limit | $1M–$2M | $2M–$5M | $5M–$10M | $10M–$20M |
| Third-Party Injury | ✓ | ✓ | ✓ | ✓ |
| Property Damage | ✓ | ✓ | ✓ | ✓ |
| Legal Defence Costs | ✓ | ✓ | ✓ | ✓ |
| Product Liability | ✗ | ✓ | ✓ | ✓ |
| Tenant Liability | ✗ | ✓ | ✓ | ✓ |
| Contractors Cover | ✗ | ✗ | ✓ | ✓ |
| Worldwide Cover | ✗ | ✗ | ✓ | ✓ |
| Statutory Defence Costs | ✓ | ✓ | ✓ | ✓ |
| Typical Monthly Cost | $30–$50 | $50–$100 | $100–$200 | $200–$500 |
| Best For |
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We compare policies across leading NZ insurers. Here's what you should know about the major providers:
One of New Zealand's largest general insurers, owned by IAG. Known for comprehensive cover options and established market presence across all business sizes.
Major NZ insurer owned by Australian parent Suncorp. Offers competitive policies for small to medium businesses with strong online support.
International insurer with strong presence in NZ. Specialises in comprehensive coverage for larger and high-risk businesses.
Global insurer known for tailored solutions and risk management support. Popular with businesses requiring bespoke coverage arrangements.
International insurer with extensive NZ operations. Offers a wide range of policies from basic to highly specialised covers.
Global insurance provider with strong NZ presence. Known for comprehensive policies and strong claims handling service.
Major NZ financial services provider offering insurance products. Known for accessibility and competitive rates for small businesses.
New Zealand-based insurer offering straightforward policies. Popular choice for small to medium businesses seeking local service.
Part of IAG group. Offers competitive general insurance products with strong focus on customer service and claims support.
How We Work: We partner with all major NZ insurers to get you the best quotes and coverage options. By comparing across multiple providers, we ensure you get the right policy at the right price for your specific business needs.
Your public liability insurance premium is calculated based on several key factors. Understanding these helps you find the best value:
High-risk industries like construction, hospitality, and childcare have higher premiums due to increased claims likelihood.
Your turnover affects premiums. Higher revenue typically means higher premiums as there's more exposure to claims.
More staff means higher exposure to injury claims. Part-time and full-time employees are counted differently.
Previous claims increase premiums. A clean claims history keeps costs down. Some insurers offer claims-free discounts.
Where you operate affects risk assessment. Urban areas may have different premiums than rural regions.
Higher coverage limits naturally cost more. Finding the right balance for your business needs is key.
Use this guide to estimate your likely insurance costs based on your business size:
Typical Profile: Single operator, home-based or small office
Coverage: Usually Basic to Standard Cover ($1M–$2M)
Best For: Consultants, sole traders with low injury risk
Typical Profile: 1–5 employees, established operation
Coverage: Standard Cover ($2M–$5M)
Best For: Service businesses, retail, offices
Typical Profile: 5–20 employees, growing revenue
Coverage: Comprehensive Cover ($5M–$10M)
Best For: Most growing businesses, hospitality, construction
Typical Profile: 20+ employees, significant revenue
Coverage: Premium Cover ($10M–$20M)
Best For: Large operations, high-risk industries
Note: These are typical estimates based on standard risk profiles. Your actual costs may be higher or lower depending on your specific industry, claims history, location, and coverage requirements. Get a personalised quote for accurate pricing.
Use this decision guide to select the policy that best fits your business:
Consider your industry, business size, employee count, and potential exposure to claims. What's your worst-case liability scenario? This helps determine your coverage limit.
Do you need product liability, tenant liability, or contractors cover? Consider which additional covers apply to your business operations.
Determine what you can afford monthly. Remember that the cheapest option isn't always the best value if it leaves you underinsured.
Get quotes from different providers. This is where using a broker saves time—we do the comparison work for you.
Understand what's NOT covered. Some policies exclude certain industries or activities. Make sure the policy covers your specific business needs.
How easy is it to make a claim? What's the average response time? Good claims service is crucial when you need it.
There are several advantages to comparing through a broker:
We work with all major NZ providers. Going direct limits you to one insurer's offerings. We find the best fit across the market.
Instead of contacting multiple insurers separately, we handle all the comparisons and paperwork for you.
Our brokers understand insurance inside and out. We help identify coverage gaps and ensure you're properly protected.
Brokers often negotiate better rates with insurers. We shop around to find you competitive pricing.
Your broker is your single point of contact. We help manage your policy, handle claims, and review coverage annually.
Our service is free. Insurers pay our commission, so you get expert advice at no extra cost.
The coverage limit is the maximum amount the insurer will pay for a single claim. A $1M policy covers claims up to $1 million, while $10M covers up to $10 million. The limit you need depends on your business size and potential liability exposure. Larger businesses or high-risk industries typically need higher limits.
Consider factors including: your industry and associated risks, annual revenue, number of employees, types of products/services you offer, and potential worst-case scenarios. Construction and hospitality typically need $5M–$10M. Service-based businesses might be fine with $2M–$5M. We recommend consulting with our brokers to assess your specific needs.
Key factors include: industry type (high-risk industries pay more), annual revenue, number of employees, your location, claims history, coverage limit, and additional covers required. A clean claims history typically results in better rates. Providing accurate information when getting quotes ensures you receive accurate pricing.
Yes, absolutely. We work with all major NZ public liability insurers including NZI, Vero, AIG, Chubb, QBE, Zurich, AMP, Tower, and State. We compare policies across all these providers to find you the best coverage at the best price for your specific needs.
Product liability coverage varies by policy tier and insurer. Basic policies typically don't include product liability, but it's usually included in Standard Cover and above. If you sell products or have goods on your premises, product liability is important. Check the policy details or ask our brokers if you need this cover.
Going direct to an insurer limits you to their single offering. Using a broker like us gives you access to multiple insurers and policies. We compare options, negotiate rates, provide expert advice, handle paperwork, and offer ongoing support—all at no cost to you. Brokers typically secure better rates and ensure you're properly covered.
Get your free, no-obligation quote in minutes. We'll compare policies from major NZ insurers and show you options that suit your business.
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