Real Claims, Real Costs
Understanding the types of claims that actually happen helps you appreciate why adequate public liability insurance is so important. Here are the five most common claims we see in New Zealand.
1. Slip and Fall Injuries (Most Common)
Frequency: ~30% of all claims
Average Cost: $50,000 - $200,000
A customer slips on a wet floor in a retail store or café, sustaining injuries. Claims include medical expenses, rehabilitation, and loss of earnings.
Prevention Tip: Implement clear safety procedures, use non-slip flooring, and maintain detailed incident records.
2. Tradespeople Causing Property Damage
Frequency: ~20% of all claims
Average Cost: $10,000 - $500,000+
A plumber damages a water pipe causing flooding, an electrician causes a fire, or a builder damages structural elements during work.
Prevention Tip: Ensure proper training, use qualified tradespeople, and have clear scope documents for all work.
3. Allergic Reactions to Food/Products
Frequency: ~15% of claims
Average Cost: $20,000 - $300,000
A customer has an allergic reaction to food or a product not properly labeled or handled. Increasingly common as allergen awareness grows.
Prevention Tip: Maintain accurate allergen information, clearly label products, and train staff on allergen handling.
4. Workplace Visitor Injuries
Frequency: ~15% of claims
Average Cost: $30,000 - $250,000
A delivery person, contractor, or client visiting your premises is injured due to unsafe conditions.
Prevention Tip: Conduct regular safety audits, maintain safe premises, and provide induction to all visitors.
5. Product Liability Issues
Frequency: ~10% of claims
Average Cost: $50,000 - $1,000,000+
A product sold causes injury or damage due to manufacturing defects, unsafe design, or inadequate warnings.
Prevention Tip: Ensure quality control, provide proper product warnings, and maintain good documentation.
The Bottom Line
These claims happen to responsible businesses all the time. That's why public liability insurance exists. Having adequate cover means you can manage these incidents financially without devastating your business.
Protect Yourself Now
Compare public liability insurance quotes from NZ insurers today and ensure you have the right protection for your business.