$2 Million Public Liability Insurance
$2M public liability cover is the most common entry level for small to medium NZ businesses with genuine public contact. It satisfies most residential landlord lease requirements and is the standard minimum for residential trade contractors. For many small hospitality businesses, personal trainers, and service providers, $2M offers solid protection at an accessible price.
Typical annual cost: $500 – $1,200/year
Best for
- ✓Residential trade contractors (plumbers, electricians, painters)
- ✓Small cafes, takeaways and retail shops
- ✓Personal trainers, fitness instructors and wellness practitioners
- ✓Cleaners and property maintenance businesses
- ✓Small event operators and market stallholders
Consider higher cover if…
- →Commercial construction or infrastructure contractors
- →Businesses with government contracts specifying $5M or higher
- →High-footfall hospitality venues (consider $5M)
- →Anyone working at heights or with heavy machinery
How $2M Cover Works in Practice
A plumber's work causes water damage to a client's home — walls, flooring, and contents.
$2M covers extensive remediation estimated at $80,000–$400,000.
A café customer slips on a freshly mopped floor and sustains a fractured hip.
$2M covers medical costs, rehabilitation, lost earnings and legal fees up to approximately $600,000.
Industries That Typically Need $2M Cover
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