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.