Call 0800 379 372 or request a callback
Choose the right liability cover for your business:
General liability Also known as public liability, this looks after any costs you’re legally responsible for if you accidentally damage someone else’s property, or injure someone.
Employer’s liability If one of your employees is injured at work, and it’s not covered by ACC, they could make a claim against you. This cover protects you for legal defence costs.
Statutory liability Statutory liability insurance can help cover your legal defence costs if you accidentally breach certain statutory laws.
This is a summary only. See if this policy is right for you by downloading our policy wording which is a full outline of the policy benefits, terms and conditions.
You’re covered if your business is legally liable to pay for personal injury and / or property damage in connection with any premises legally owned, but not occupied by you.
Cover for up to $250,000 protecting your business’s legal liability under Sections 43 or 46 of the Forest and Rural Fires Act 1977.
We will help with costs you are legally liable to pay for physically recalling or withdrawing products that have resulted in a claim covered under your policy where necessary to avoid similar claims.
If your business is legally required to pay costs for property damage to premises it leases or rents, you’re covered.
For General Liability only. Your business is covered up to $1,000,000 if a person is awarded punitive or exemplary damages as a result of an injury in connection with your business.
For Employers and Statutory Liability only. We will advance covered defence costs in respect of employers and statutory liability.
If you are not completely happy with your policy, please tell us within 15 days of its commencement date. We may agree to change the policy to suit you. If not, and you wish to cancel the policy, you can as long as you have not made any claims. We will then refund any premium you have paid and we will both regard this policy as never commencing.
Call us on 0800 379 3720800 379 372 or request a callback today
Also known as material damage, this covers the physical assets of your business. This includes buildings you own, your fit out, equipment, stock, tools and materials.
Can protect the financial loss to your business if you can’t operate due to things like fire, natural disaster or a break in, in relation to your business assets.
Whether you work as a builder, real estate agent or retailer, we have options for full or third party cover.
The Tower SmartCentre is your hub of insurance information, designed for small business owners in New Zealand.