Business Liability Insurance New Zealand
Compare quotes from top NZ insurers. Protect your business with public liability, professional indemnity, and statutory liability cover.
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Complete Liability Protection for Your Business
Whether you're a tradie, consultant, retailer, or contractor, we'll find the right coverage for your business risks.
Public Liability Insurance
Protects against third-party injury or property damage claims. Essential for businesses working with customers or on client sites.
- Up to $20M coverage
- Legal defense costs
- Products liability
Professional Indemnity
Covers professional advice and service errors. Critical for consultants, advisors, and professional service providers.
- Negligence claims
- IP infringement
- Breach of duty
Statutory Liability
Protects against fines and penalties from unintentional breaches of employment, privacy, or environmental laws.
- Employment law breaches
- Privacy violations
- Environmental fines
New Zealand Business Insurance Costs - 2025 Pricing Guide
Compare real insurance costs across different business types and industries in New Zealand. All prices include GST and are based on current market rates.
| Business Type | Public Liability | Professional Indemnity | Combined Package | Avg. Coverage |
|---|---|---|---|---|
| Retail & Hospitality Shops, cafes, restaurants | $85-$150/month | $95-$180/month | $140-$250/month | $5M-$10M |
| Consultants & Advisors ★ Most Popular | $75-$120/month | $120-$220/month | $160-$280/month | $5M-$10M |
| Trades & Contractors Electricians, plumbers, builders | $120-$200/month | $140-$250/month | $220-$380/month | $10M-$20M |
| Construction Companies Builders, developers | $180-$350/month | $200-$400/month | $320-$600/month | $10M-$20M |
| Professional Services Accountants, lawyers, architects | $90-$160/month | $180-$400/month | $240-$480/month | $5M-$10M |
| Medical Practices Clinics, health professionals | $120-$220/month | $250-$500/month | $320-$650/month | $5M-$10M |
| Tech & IT Services Software, IT consultants | $80-$140/month | $150-$320/month | $200-$400/month | $5M-$10M |
2025 NZ Business Insurance Market Trends
Price Changes from 2024:
- • Public Liability: +6% average increase (claims inflation)
- • Professional Indemnity: +8% (cyber risk premiums)
- • Construction Insurance: +12% (weather events, material costs)
- • Retail Insurance: +5% (theft and liability claims)
Cost Savings Available:
- • Multi-year policies: Save 10-15% with 2-3 year terms
- • Package discounts: 15-20% off when combining covers
- • No-claims bonus: Up to 25% off after 3 claim-free years
- • Industry associations: 5-10% member discounts available
Tailored Coverage for Your Industry
Every industry has unique risks. Get coverage designed for your specific business type.
Trades & Contractors
Electricians, plumbers, builders, and other trade professionals.
From $120/month →Consultants
Business advisors, IT consultants, and professional services.
From $95/month →Retail & Hospitality
Shops, restaurants, cafes, and customer-facing businesses.
From $85/month →Construction
Builders, developers, and construction companies.
From $180/month →Get Your Business Liability Insurance Quote Today
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