Public Liability

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Accidents in and around the workplace can happen to anyone in any field of work, as a business owner you have a responsibility to the people you employ, the community, and the customers you serve. Public Liability insurance protects you and your business by covering legal fees and providing compensation that can occur for property damage, and personal injury or death in circumstances that are not covered by ACC.



  • Legal costs stemming from the workplace and public accidents.
  • compensation


Building sites can be one of the most hazardous workplaces to be in, not only to the works on site, but also to the public, and if either is injured by falling debris, for example, the building contractor is responsible.  Public Liability covers the legal fees and settlements that can occur from such cases, to prevent a major loss of revenue from the business.

A bar owner decided to move his business from the current building he was leasing, to a new venue closer to the city. After leaving the previous property he did not clean and left broken bottles, hanging signboards and became liable for the damages for personal injury due to leftover shards and the eventual fall of the signboard on a parked car. Public liability insurance was able to fit the bill to pay for  all the compensation and repair of the damaged car. 

While trying doing repairs to a client’s house, a painter accidentally spilled paint over some expensive furniture, In order to replace it, the painter was able to use his public liability insurance to cover the bill.