New Zealand's trusted public liability insurance comparison service. Connect with local brokers and get premium protection from 15+ leading insurers.
Whether you're running a café, building homes, teaching kids, or hosting events — we've got you covered
From boutique shops to bustling retail outlets, protect your customers, staff, and premises with comprehensive public liability cover.
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Electricians, plumbers, builders, and tradies working on customer sites need serious protection. Get quotes tailored to your risks.
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Educational institutions and training providers need rock-solid cover for student safety and third-party liability protection.
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Event organisers, venue managers, and hospitality businesses need specialist cover for public gatherings and third-party risks.
Learn MoreIn New Zealand, one slip, one tool dropped, or one accident at an event can spiral into a serious liability claim. We've seen real cases unfold:
A customer slips on a wet floor at a popular Wellington café. Minor injuries, but medical costs mount. Without public liability insurance, the café owner faces thousands in compensation and legal costs. ACC doesn't cover the customer's private health care. One incident nearly closes the business.
An electrician's tools damage a client's custom cabinetry during a job. The homeowner demands $8,000 in compensation. Without trade contractor insurance, the electrician faces a claim that eats into profits for months.
A child is injured at a community market event. A visitor slips on an uneven surface. Third-party liability claims arrive. Event organisers without proper coverage face crippling costs and potential business closure.
Remember: ACC covers injury to employees, but it doesn't cover third-party liability or damage to customer property. That's where public liability insurance steps in.
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Get your perfect cover in three simple steps
Answer a few quick questions about your business type, size, industry, and operations. We gather the details needed to find the most relevant quotes from our panel of insurers.
Our expert NZ brokers compare quotes from 15+ leading insurers, ensuring you get the best coverage at the best price for your specific needs and risk profile.
Review your personalised quotes side-by-side and choose the policy that works best for you. We're here to answer questions every step of the way.
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"A customer slipped in our café and injured their leg. We thought we were in trouble, but our public liability insurance covered everything—the medical bills, compensation, and legal costs. We barely felt the impact on our business. Absolute lifesaver."
"As an electrician, I didn't want to shell out thousands on insurance. The team at PublicLiabilityInsurance.co.nz compared quotes and found me cover that was $150 a month cheaper than what I was paying before. Same coverage, heaps of savings."
"We organised a community market event and weren't sure about insurance. The team sorted us out with a quote that covered everything. Fast, professional, and we could focus on making our event brilliant instead of worrying about liability."
Expert insights on public liability insurance and NZ business protection
Everything you need to know about public liability insurance in New Zealand. Coverage basics, why it matters, limits explained, and how to choose the right policy for your business.
Specific guidance for plumbers, electricians, builders, and other tradies. Understand your insurance requirements, coverage gaps, and how to protect your contracting business.
Event organisers and venue managers guide to public liability insurance. Coverage for gatherings, markets, conferences, and public spaces. Stay protected and fully compliant.
Common questions about public liability insurance in New Zealand
Public liability insurance covers legal liability for injury to third parties and damage to their property caused by your business operations. This includes medical expenses, compensation claims, legal defence costs, and court-awarded damages up to your policy limit. It protects you from financial loss if someone gets hurt or their property is damaged because of your business activities.
Any business that interacts with the public or operates on third-party premises should have public liability insurance. This includes retail shops, service businesses, trade contractors, tradies, hospitality venues, event organisers, educational institutions, healthcare providers, and not-for-profit organisations. Even home-based service businesses should consider public liability cover.
The cost of public liability insurance varies significantly based on your business type, size, industry risk, annual revenue, and coverage limit. Costs can range from as little as $25-30 per month for small, low-risk businesses up to several hundred dollars per month for high-risk operations or larger enterprises. The best way to find competitive pricing is to get free quotes from multiple insurers that we compare for you.
The appropriate coverage limit depends on your business type and risk profile. Small service businesses might need $1-2 million, while trade contractors typically need $2-5 million. Larger enterprises and high-risk operations may require $10 million or more. Our expert NZ brokers assess your specific situation and recommend the right level of cover during your free quote consultation.
Public liability insurance typically does not cover injury to your employees (covered by ACC), damage to your own property or stock, professional mistakes (covered by professional indemnity insurance), criminal acts, intentional harm, or claims arising from contract work not specified in the policy. Some policies may have additional exclusions, so it's important to review the Product Disclosure Statement carefully before purchasing.
Contact your insurer as soon as possible after an incident occurs. Document the incident thoroughly with photos and witness information if applicable. Gather relevant documentation including medical reports, invoices, repair quotes, and any correspondence. Your insurer will assign a claims handler to assess the claim. The timeline depends on claim complexity, but NZ insurers are required to respond within specified timeframes under NZ insurance law.