Find Out Why You Need Public Liability Insurance

If you are a small business owner, the last thing you want to think about is what would happen if something went wrong and you were sued. However, this is a very real possibility, which is why Public Liability Insurance is so important. This type of insurance can protect you financially if someone is injured on your property or if you are responsible for damages caused by your business. While the cost of this insurance can be high, it is nothing compared to the cost of a lawsuit.

What is public liability insurance, and do I need it?

Public liability insurance is a type of insurance that business owners and operators can purchase to financially protect themselves from claims arising from injuries or damage caused by their business activities.

Public Liability Insurance NZ

The Risks of Not Having Public Liability Insurance

If you are a business owner, you may be wondering if you need public liability insurance. This type of Insurance For Business Assets protects you from lawsuits that may arise from injuries or damages that occur on your property. While the cost of this insurance can be high, the risks of not having it are even greater. Without public liability insurance, you could be held responsible for any injuries or damages that occur on your property, which could result in expensive medical bills or repairs.

What Does Public Liability Insurance Cover?

Public liability insurance covers you if you injure someone or damage their property while working. It also covers you if someone brings a lawsuit against you for an injury or damage that occurred on your property. If a lawsuit is filed against you, the public liability insurance provider will provide up to $1 million in coverage. In other words, your insurance provider will pay for any and all legal fees, including paying the attorney.

What does public liability insurance not cover?

The reason why some forms of business insurance are essential and public liability cover is so important. It is a vital part of any commercial enterprise, and if you’re an employer or own a small business, you’ll need to have it in place before you start trading, but what exactly does it cover, and what doesn’t it cover? And what can happen if you don’t have public liability insurance, particularly in relation to compensation claims from customers that could arise from injuries sustained on your premises.

  • Public liability insurance does not cover damage to property.
  • Public liability insurance does not cover personal injury.
  • Public liability insurance does not cover legal costs.
  • Public liability insurance does not cover product liability.
  • Public liability insurance does not cover pollution.


When you own a business, you’re responsible for keeping your business premises safe and secure. In order to do that, you must have the right insurance in place, including public liability insurance, in case something goes wrong on your premises and somebody ends up hurt or damaged. If that person sues you over the incident, public liability insurance will cover the cost of any legal fees you incur as well as payout financial compensation to your victim. Read on to learn more about what public liability insurance covers and how to get it so that your business remains protected at all times. Therefore, choosing the right public liability insurance policy is as important as making your house payments.

Written by Orange Blog

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