BusinessFirst Liability Protection
Protecting your business against claims from third parties.
- Save time with immediate business liability protection arranged over the phone
- Designed for small-to-medium businesses
- Affordable and flexible cover to suit your business
More detail
Every day, most businesses face the possibility of a statutory, employer or third party liability claim being made against them. It’s simply part of being in business. The good news is the flexible BusinessFirst liability protection can help protect your business against the potentially significant consequences of such a claim.
Quick and easy
With the help of BNZ, BusinessFirst liability protection is quick to arrange with the insurer, IAG1 and easy to understand. There’s no paper involved in applying, you simply pick up the phone and we’ll take it from there.
Designed with small-to-medium businesses in mind
BusinessFirst liability protection1 is easily adapted to suit your budget and the level of cover your business requires. This also means that when the size or nature of your business changes, it’s easy to change your cover to suit.
Comprehensive cover
BusinessFirst liability protection is designed to meet your immediate insurance needs. It provides protection against insurable risks arising out of claims made by third parties that a small business is potentially exposed to on a daily basis. This protection includes the following general types of cover. Specialist liabilities can also be covered if required.
- General indemnity - for example, a plumber breaks the plumbing at a house and this affects the neighbour’s sewage as well
- Service and repair - for example, a mechanic is fixing someone’s car when the garage burns down or is broken into and the car is damaged or stolen
- Bailee’s liability - for example, a warehouse stores goods such as apples for someone else and the fruit goes off, or the goods are damaged because of a fire or storm
- Tennant’s liability – for example, the office you rent is damaged by water because a tap was left running
- Statutory – for example, you’re fined for not complying with statutory legislation even though it was unintentional
- Employer’s liability – for example, a claim is made against you for not complying with employer-related legislation
Give your business the benefit of our experience today
Our experienced and skilled commercial insurance partners can help you to choose the right cover for your business. Even if you’re already insured, we’d welcome the opportunity to demonstrate how BusinessFirst liability protection offers competitive and realistic insurance in one time-saving comprehensive package.
