Business Liability Insurance New Zealand
Send your details for written quotes through our broker partner. Protect your business with public liability, professional indemnity, and statutory liability cover.
Cover Placed Through Our Insurer Panel
First Commercial Insurance Brokers Ltd (FSP748591) places business liability cover with the insurers above. See the panel →
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
What Drives Your Premium
Commercial liability premiums are individually underwritten — there is no flat rate by trade. The factors below are the main inputs an insurer weighs when pricing your cover.
Trade and activities
A roofer, an accountant and a software consultant carry very different risks even at the same revenue.
Annual turnover
Higher turnover usually means more exposure — more jobs, more clients, more chance of a claim.
Limit of liability
$1m, $2m, $5m, $10m+ — the cap you choose materially changes the premium.
Claims history
Past claims, near-misses and the time since your last loss all influence what insurers will quote.
Where you work
Sites, regions, height of work, contracts that require liability cover, and contractual liability assumed.
Cover combination
Public liability, professional indemnity and statutory liability are often packaged together — your adviser will explain the trade-offs.
For a written quote tailored to your business — turnover, trade and claims history — request a quote and an adviser will come back to you.
Request a QuoteTailored 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.
Learn more →Consultants
Business advisors, IT consultants, and professional services.
Learn more →Retail & Hospitality
Shops, restaurants, cafes, and customer-facing businesses.
Learn more →Construction
Builders, developers, and construction companies.
Learn more →Get Your Business Liability Insurance Quote Today
Tell us about your business and we'll arrange written quotes through First Commercial Insurance Brokers Ltd (FSP748591). No obligation.