$20 Million Public Liability Insurance
$20M is the maximum standard public liability level available from most NZ insurers for a single policy. It is required for major infrastructure contracts, large-scale public works, and situations where a single catastrophic incident could affect many people or result in extraordinary property damage. At this level, insurers may layer coverage across multiple carriers.
Typical annual cost: $3,000 – $15,000+/year
Best for
- ✓Major infrastructure and civil engineering contractors
- ✓Large property developers and construction groups
- ✓Public venue operators with very large-capacity events
- ✓Schools and education campuses with large student populations
- ✓Oil, gas or energy sector contractors (if applicable)
Consider higher cover if…
- →Most SMEs — $5M–$10M is typically sufficient
- →Residential trade contractors
How $20M Cover Works in Practice
A civil contractor damages a major public water main, causing widespread disruption to a large urban area.
Emergency repairs, loss of supply penalties, and consequential business losses across hundreds of affected parties could reach $10–20M.
Industries That Typically Need $20M Cover
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