Public and Products Liability Insurance

Looking for protection for your legal liability if property is damaged or someone is injured due to your business activities? Get a Public and Products Liability insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Speak to a Small Business Insurance Consultant

0800 500 231

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How can Public and Products Liability insurance help?

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.

Compensation for court appearance

If you are required to attend court as a witness in connection with a claim under your Public and Products Liability policy, we will pay you $250 per day up to a total of $7,500.

Employees’ personal possessions

We will cover you if you are found legally liable for the damage of your employee’s personal possessions.

Product recall

If you are required by law to recall a product, we will contribute 80% of your costs, up to $100,000.

Please note, a $2,500 excess will apply to any claim for product recall.

Lost keys and access control devices

We will pay for your legal liability if keys or access control devices that are under your care for business purposes are lost. And, if alterations to locks at your customer’s addresses are required due to a claim, we will cover this also.

Please note, a $1,000 excess will apply to any claim for lost keys and access control devices.

Defective workmanship

You can choose to have cover for up to $100,000 if you are found legally liable to pay compensation for faulty workmanship.

Please note, a $1,000 excess will apply to any claim for defective workmanship.

Every business is unique, so give us a call on 0800 500 231 to discuss the best insurance options for you.

NZ's Most Trusted General Insurer

You can trust New Zealand’s Most Trusted General Insurer to protect your small business.

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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.

View Policy Document

Let's get things sorted

Speak to a Small Business Insurance Consultant.

Call us on 0800 500 231

Request a callback Get a quote online

Frequently asked questions

If you can't find the answer you're looking for, please contact us.

Public and Products liability does not cover your liability when driving a company car. Liability for motor vehicle accidents are covered under our Commercial Vehicle insurance.

Call us on 0800 500 231 to discuss your cover options.

Public and Products Liability insurance provides cover when you need to pay compensation to members of the public. Employee Liability insurance provides cover for your employees.

Call us on 0800 500 231 to discuss your cover options.