General Liability Insurance
When Accidents Happen
No matter how careful you are, things can still go wrong. If your business accidentally causes damage to someone else’s property, injures a third party, or is found to be negligent, General Liability Insurance helps cover legal costs and compensation, protecting your business from costly claims and unexpected disruptions.
What Does General Liability Insurance Typically Cover?
- Accidental damage to third-party property
- Bodily injury caused to members of the public
- Legal defence costs, even if the claim is unsuccessful
- Damage caused by your employees or subcontractors
- Injuries caused at your premises or on-site
- Tenant liability, like leased commercial spaces
- Completed operations claims for past work
- Product liability (if applicable)
This cover doesn’t include injuries to employees — that’s typically handled through ACC or specific Employers’ Liability cover.
Who Needs General Liability Insurance?
- Tradies working at client sites
- Retail and hospitality businesses open to the public
- Contractors and service professionals
- Commercial landlords and tenants
- Anyone whose business interacts with customers, suppliers, or the public
Related Cover to Consider
You might also need Professional Indemnity Insurance for claims based on advice, design, or documentation, Business Interruption for cover when work stops due to damage, and Contract Works Insurance if you’re undertaking a build or fit-out.