$10 Million Public Liability Insurance
$10M public liability cover is required for high-risk trade sectors and large-scale operations where a single incident could result in catastrophic losses. Major construction companies, demolition contractors, infrastructure providers, and large public event organisers typically operate at this level. It is also specified in many major government infrastructure contracts.
Typical annual cost: $1,500 – $6,000+/year
Best for
- ✓Major construction and property development companies
- ✓Demolition and hazardous work contractors
- ✓Large event management companies
- ✓Infrastructure and utility contractors (Waka Kotahi, Watercare etc.)
- ✓Schools and education providers with significant student populations
Consider higher cover if…
- →Small to medium trade contractors (typically $5M sufficient)
- →Retail or service businesses without specific requirements
How $10M Cover Works in Practice
A demolition contractor damages underground services during excavation, cutting power to a commercial district.
Business interruption, repairs, and consequential losses could reach $5M+. $10M cover provides essential buffer.
A large outdoor event has a stage collapse, injuring dozens of attendees.
Multiple serious injury claims, ongoing rehabilitation, and legal costs across a large number of claimants can easily exceed $5M total.
Industries That Typically Need $10M Cover
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