Public Liability Insurance

What is Public Liability Insurance and why do you need it?

General (Public) Liability Insurance caters for liabilities arising from “accidents” or “occurrences” in business that cause either property damage or personal injury to members of the public. These are distinct from the liabilities that arise from the provision of professional advice.

Examples of general public liability claims may be accidental damage caused to rented premises, i.e. glass breakage, water damage or fire, or accidentally damaging third party equipment whilst carrying out a site inspection.


The policy includes a number of automatic extensions:

  • Landlords Liability
  • Tenants Liability
  • Forest & Rural Fires Act
  • Vibration & Removal of Support
  • Mechanical Plant
  • Goods in Custody or Control
  • Motor Vehicle / Watercraft Service Repair
  • Exemplary Damages - NZ