Guarantees and insurance
tailored for the building industry

APPROVED BUILDERS:

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Public Liability Insurance

We specialise in cover for builders and all trades, including electricians, plumbers, gas-fitters, roofers, glaziers, carpenters, bricklayers, plasterers, painters and more.

Public Liability insurance in New Zealand is called many things – General Liability, Legal Liability or Public Risk – but all generally cover Legal Liability in respect of Damage and Injury to Third Parties.

Public Liability policies provide protection against claims for compensation in respect of unexpected and unintended personal injury or property damage for which you may be legally liable arising out of your business activities.

The definitions of “Personal Injury” and “Property Damage” are broad. "Personal Injury" extends beyond actual bodily injury to mental injury and defamation. "Property Damage" includes both loss of or damage to tangible property and loss of use of tangible property which is undamaged.

In addition, the policy provides for the costs of defending these claims in court, as well as any necessary investigations or negotiations.

 

A policy designed for you
 
At Builtin New Zealand Ltd we understand that the building industry has insurance needs which insurers in New Zealand don’t cover. That's why our policy is designed to make certain that you get the cover you really need.
 
In particular, our policy extends to cover liability for faulty workmanship which is an exclusion under standard off the shelf policies offered by insurers here.
 
 
Competitive rates - premiums for over 70 trades start from only $250.00
 
Public liability sums insured from $1,000,000 to $10,000,000
 
 
INSURING CLAUSES
Limit /
Sub-limit
Deductible
 
General Liability
 
 
 
Excess
 
$500
 
 
 
AUTOMATIC COVERAGE CLAUSES
 
 
 
 
 
Forest and Rural Fires Act
$250,000
$500
Product Withdrawal Costs
$100,000
$2,500
Property in Care Custody or Control
$250,000
$1,000
Punitive or Exemplary Damages
$1,000,000
$500
Underground Services
$1,000,000
$1,000
Vibration and Removal of Support
$1,000,000
$1,000
 
 
 
OPTIONAL COVERAGE CLAUSES
 
 
 
 
 
Business Advice or Service
$100,000
$2,500
Defamation
 
$2,500
Costs of Representation at Disciplinary Proceedings
 
$500
 
 
 
 
 
 
Statutory Liability
 
$500
 
 
 
Employers Liability
 
$500
 
 
 
Employment Dispute
 
$5,000
 

 

 

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