$1 Million Public Liability Insurance
$1M public liability cover is the entry-level option for low-risk NZ businesses. It provides meaningful protection against slip-and-fall claims, minor property damage, and small product liability incidents — but it may not be sufficient for trade contractors, high-footfall businesses, or anyone with a significant physical presence in client environments.
Typical annual cost: $350 – $700/year
Best for
- ✓Home-based sole traders with minimal public contact
- ✓Tutors and coaches operating from client homes
- ✓Photographers and videographers (non-event, studio-based)
- ✓Consultants working remotely or from own office
- ✓Low-risk online businesses with occasional client visits
Consider higher cover if…
- →Trade contractors — $2M–$5M is standard
- →Hospitality businesses — foot traffic demands higher cover
- →Anyone entering commercial building sites
- →Businesses with contractual requirements above $1M
- →Retailers or service businesses with significant customer throughput
How $1M Cover Works in Practice
A tutor trips over a mat at a client's house, injuring their wrist.
$1M comfortably covers the medical and rehabilitation costs of approximately $30,000–$80,000.
A photographer's tripod scratches a client's timber floor.
$1M covers floor repairs estimated at $2,000–$10,000 with ease.
Industries That Typically Need $1M Cover
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