Business Liability Insurance
Running a business is a great responsibility as it means you can be held legally liable if your business activities or employees accidentally damage someone else’s property or injure someone. We’ve got you covered with our three types of liability insurance to help you protect yourself and your business.
Speak to a Small Business Insurance consultant now.
What business liability insurance is right for your business?
Public and Products Liability Insurance
If you are found legally liable for damage to property or an injury someone sustains due to your business activities, we will pay for the damages awarded against you, up to your policy limit.
Recommended for:
Builders
Electricians
Painters & Decorators
Statutory Liability Insurance
Sometimes accidents happen which cause you to unintentionally breach an Act. This type of insurance covers defence costs and fines ordered against you, up to your policy limit.
Recommended for:
Builders
Electricians
Cleaners
Employers Liability Insurance
If your employee gets injured at work and you’re found legally liable, we’ll pay for the damages awarded against you that aren’t covered by the ACC, up to your policy limit.
Recommended for:
Builders
Cafes
Retailers
Optional extras
Defective workmanship
With our Public and Products Liability Insurance, you can add cover for defective workmanship up to $500,000. This provides cover if you are found legally liable to pay compensation for accidental damage to the property you have been directly working on. A $1,000 excess will apply to any claim for defective workmanship.
Defence costs
You can choose to add extra cover for defence costs with our Statutory Liability Insurance and our Employers Liability Insurance. This optional extra covers any defence cost involving a charge under Section 9 of the Law Reform Act 1936.
More reasons to choose us
Personal Claim Manager
New Zealand call centre
Cancel your policy any time
Policy Document
This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.
Let's get things sorted
Why Choose AA Small Business Insurance ?
Individuality
Every business has unique needs and risks; what works for one may be a bad fit for another. AA Small Business Insurance lets you find your insurance sweet spot.
Transparency
We believe you have the right to know everything about your own cover. That’s why we’re upfront, honest, and won’t try to sell you a policy you don’t need.
Flexibility
Our packages change to fit your business — not the other way around. Customise your policy and update it as your needs change.