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Public Liability

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How do you get public liaiblity insurance?

Public Liability Insurance

Public liability insurance is a crucial form of coverage for businesses, as it helps to protect you financially if your business is found to be responsible for injury or damage to a third party or their property. At Gerrards, a business insurance specialist in New Zealand, we offer expert advice and assistance in finding the best deal and the right cover tailored to your specific needs.

How Do I Get It?

Getting public liability insurance is easy. Here’s how you can proceed:

Contact a Broker

Reach out to Gerrards, and talk to our experienced brokers who have extensive knowledge of public liability insurance. They can guide you through the process, helping you understand the coverage options and find a policy that fits your business’s unique needs.

Use Online Quoting Tool

Gerrards offers an online quoting tool that allows you to get a quote of your insurance costs quickly. This tool is user-friendly and designed to make the process straightforward.

Provide Necessary Information

Be ready to provide detailed information about your business, including the nature of your work, the size of your business, and any previous claims. This information helps in accurately assessing your insurance needs and finding the right coverage for you.

What does a broker do?

Insurance brokers act as intermediaries between clients and insurance providers:

  1. Assessing Risk: Brokers evaluate the specific risks associated with your business to determine the level of coverage required.
  2. Comparing Policies: They compare different insurance policies from various providers to find the best deal that suits your business’s needs.
  3. Providing Advice: Brokers offer expert advice and explain the terms and conditions of the insurance policies, helping you make an informed decision.

Why do you need public liability?

Public liability insurance is essential for several reasons:

  1. Financial Protection: It protects your business from potential financial losses resulting from claims made by the public for injuries or property damage.
  2. Legal Requirements: In some cases, having public liability insurance is a legal requirement for operating a business.
  3. Building Trust: Having insurance can enhance your business’s reputation, as it shows that you are responsible and prepared for unexpected events.

Disadvantages/Advantages or Pros/Cons

  1. Protection: It provides financial protection against claims, ensuring that your business can continue operating even in the face of legal challenges.
  2. Legal Compliance: Having insurance helps in complying with legal requirements, avoiding potential fines and penalties.
  3. Peace of Mind: Knowing that your business is protected provides peace of mind, allowing you to focus on growing your business.
  1. Cost: Public liability insurance can be expensive, especially for small businesses with limited budgets.
  2. Complexity: Understanding the terms and conditions of the insurance policy can be complex, requiring expert advice.
  3. Limited Coverage: Some policies may have exclusions and limitations, meaning not all risks are covered.

Common Misunderstandings

Some common misunderstandings about public liability insurance include:

  1. It Covers Employee Injuries: Public liability insurance does not cover injuries to employees; this is covered by ACC or employers liability. 
  2. It Covers All Risks: The insurance does not cover all risks; there may be exclusions and limitations in the policy.
  3. It’s Only for Large Businesses: Businesses of all sizes can benefit from public liability insurance, not just large corporations.

How can Gerrards help?

Gerrards, as an experienced insurance broker in New Zealand, can assist you in several ways:

  1. Expert Advice: Our team of experts will provide you with personalized advice, helping you find the right coverage for your business.
  2. Access to Multiple Providers: We have access to a wide range of insurance providers, ensuring you get the best deal available.
  3. Ongoing Support: We provide ongoing support, helping you with any claims and ensuring your insurance needs are continually met as your business evolves.

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