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Small business liability insurance
Liability insurance for New Zealand’s small businesses
Running a business can be very rewarding, but it also comes with risks. As a business owner, you are regularly exposed to various legal liability situations that can lead to costly claims and lawsuits.
With the right business liability insurance cover in place, you can be confident your business will be protected if you face a suit, prosecution, or third-party payout costs.
Gallagher helps you assess and manage your risks, connecting you with appropriate legal liability cover in the event of a claim. Contact us to talk to a liability insurance broker.
Liability insurance specialists
Gallagher has been arranging insurance for small to medium-sized Kiwi businesses for over 45 years. Our insurance brokers are here to provide expert advice, and make sure you get the right liability cover for your business.
If you have questions about liability insurance options or would like to get a quote please contact us.
Get a free quote
Talk to a broker about liability cover.
Liability insurance solutions
Your broker works with you to understand your risks and recommend the right type of business insurance cover. Our solutions include:
Public liability insurance
Protects your business in the event of claims made by the public in connection with business activities.
Professional indemnity
Designed to cover professionals who provide advice.
Statutory liability
Insures businesses against certain unintentional breaches of New Zealand law.
Directors’ and officers’ liability
Protection for your executives and board from personal financial risks.
Employer's liability
Insures employers against personal grievance claims brought by past or present employees.
Product liability
Covers personal injury or property damage caused by products sold or supplied through your business.
Crime and fidelity
Insures against losses arising from dishonest acts committed by employees.
Trustees’ liability
Protection for trustees from personal liability while carrying out duties for the trust.
Criminal defence legal costs
Cover for expenses incurred in legal disputes brought against you, company officers and employers.
Liability claim story
The local council advised our client they were going to prosecute the company and directors for alleged breaches of the Resource Management Act. The insurer engaged separate solicitors for the directors and the company, which faced a total of 60 charges. The insurer accepted the claim for the defence costs, and the client entered a plea bargain to plead guilty to only three charges on the basis that all other charges would be withdrawn, including those against the directors.
Claims costs: $106,000 legal costs.
Cover: The client had cover for statutory liability defence up to $2,000,000 with a $5,000 excess.