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  <!-- Core Pages -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/about/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/contact/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/coverage/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/compare/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/claims/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/disclaimer/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/privacy/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/terms/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Sector Pages -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/sectors/businesses/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/sectors/trade-contractors/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/sectors/schools-education/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/sectors/public-venues/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

  <!-- Business Types Index -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Trades & Contractors -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/builders/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/electricians/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/plumbers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/painters-decorators/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/landscapers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/roofers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/tilers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/flooring-layers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/drain-layers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/scaffolders/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Service & Mobile -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/dog-walkers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/cleaners/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/personal-trainers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/photographers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/tutors/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/event-planners/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/hairdressers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/beauty-therapists/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/massage-therapists/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/security-guards/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Food & Hospitality -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/cafes/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/restaurants/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/takeaways/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/caterers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/bars-pubs/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/market-stalls/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Retail & Other -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/retail-shops/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/rideshare-drivers/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/it-consultants/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/businesses/real-estate-agents/</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/</loc>
    <lastmod>2026-04-30</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/understanding-public-liability-nz/</loc>
    <lastmod>2026-03-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/how-much-cover-does-your-business-need/</loc>
    <lastmod>2026-03-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/public-liability-vs-professional-indemnity/</loc>
    <lastmod>2026-03-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/top-5-claims-nz-businesses-face/</loc>
    <lastmod>2026-02-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/trade-contractors-5m-cover-standard/</loc>
    <lastmod>2026-02-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>
  <url>
    <loc>https://publicliabilityinsurance.co.nz/blog/schools-education-duty-of-care/</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

</urlset>
