5 businesses that need public liability insurance
                     5 Businesses That Need 
Public Liability 
Insurance
Running a small business is 
an exciting yet challenging 
prospect. It's your job to 
ensure that you've 
considered all the risks and 
prepared for them, but also 
that you follow regulations 
and have the right insurance 
in place. Public liability 
insurance takes care of 
claims if public members 
injure themselves or damage 
their property at your 
premises.
MOST BUSINESSES NEED IT, 
INCLUDING THESE FIVE — 
READ ON TO FIND OUT MORE 
ABOUT HOW IT CAN PROTECT 
YOURS:
Event venues
Event venues are also in need of Public Liability Insurance Policy. As a 
venue, you're responsible for all the people who enter your premises, and 
strict requirements ensure they're safe. It's important that you have 
enough insurance coverage so that everyone can enjoy their time at your 
place without fear of injury or illness.
Public liability insurance protects against accidents and injuries caused by 
your company’s negligence toward its customers or visitors. This includes 
bodily injury or damage to property, including third party property such as 
cars parked near the event venue.
Public liability insurance covers accidents arising from an event hosted 
on-site (e.g., a wedding reception), but it does not cover damage caused 
by external factors like weather conditions or power failures outside your 
control (though some policies do).
Food businesses
As a food business, you need 
Business Interruption Insurance to 
protect yourself against claims of 
personal injury or damage caused by 
your products and services. Your 
customers and staff can be injured from 
accidents on the premises, so it’s 
important to have the right protection in 
place.
Shops And Retail Outlets
As a shop or retail outlet, you know how important it is to have public 
liability insurance. Public Liability Insurance Policy protects against claims 
made by third parties who may be injured while on your premises or as a 
result of your activities. This type of insurance must protect your business 
from the costs associated with any accidents that may occur within your 
business premises.
For example, someone visiting your store could slip over and injure 
themselves due to wet floors or uneven flooring - which would result in 
them making a claim against you for loss of earnings/medical expenses 
and other costs resulting from their injuries.
This means that if an incident does happen, then the costs involved can 
be covered without financial impact being placed on yourself or the 
business.
Retailers And Shop Owners
Retailers and shop owners 
need public liability 
insurance as well. As a retail 
store owner, you’re 
responsible for customers 
who come in and out of your 
business. If one of those 
customers has an accident 
on your premises, or if their 
property is damaged by 
someone who works for you, 
public liability insurance may 
be able to cover the costs.
Small Business Premises
Small business premises insurance covers the property you own, hire or 
lease for use in your business. 
This could include:
•Office space
•Factory or warehouse space
•Retail shopfronts, counters and floorspace
Conclusion
We hope we’ve given you some guidance on whether or not public liability 
insurance is something you should consider for your business. It can be 
complicated to figure out, and there’s a lot of information to digest. While it 
might not be necessary for the company itself, it can provide peace of 
mind for those involved in running it. As we said before, make sure you do 
your research so that any coverage you purchase is right for your needs—
and if you find yourself still struggling with this decision, talk to an 
insurance expert!
CONTACT US
Level 4, Ferry Building, 99 Quay Street
PO Box 105512, Auckland City 1143
09 818 4247
[email protected]
https://runacres.co.nz/