Business Liability Insurance

Running your own business comes with ups, downs and in-betweens. When accidents happen, liability cover can really come to your rescue.

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Cut the fluff. Why do I need this?

You’re not only the brains behind the business, you’re the one responsible if anything goes wrong. Costs for any accidental loss or damage to someone else’s property and even injuries to people can fall on you, leaving your wallet that little bit lighter, if you don’t have any cover. Ouch. At State, we want you to get on with what you’re passionate about, running your business. And having the right liability cover in your back pocket will help make the journey smoother.

Which liability insurance is right for me?

It’s important to note that there are three different types of liability cover: Public Liability,
Statutory Liability and Employers Liability. Each of them important for different reasons.

Public liability

Also known as Broadform Liability, this is the biggest cheese of them all. It’s the policy that covers you for the accidental injury to a person and accidental loss or damage to someone else’s property while you’re doing business.

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Statutory liability

Think of this one as that responsible friend. This one covers legal defence costs and certain fines if you or your business accidentally breach legislation. Eek.

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Employers liability

The mum policy. The policy that takes care of you by covering your legal liability and defence costs if one of your employees is injured and it’s not covered by ACC.

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Liability can mean different things to different business, besides you’re all unique right? See what liability means for your industry

Tradies

Being a tradie is hard work. There’s a lot of pressure on you to get it right. And as awesome as we know you are, sometimes you stuff up. Besides you’re only human. So… why do you need insurance? As a tradie, you’re more likely than any other industry to get a public liability claim against you. Constantly working on other people’s properties or sites means that if you accidentally break something – you’re responsible for it. If you need to defend yourself in court, this cover will pay for reasonable costs that arise from this. But only if the action you’re defending has been proven. Plus, when it comes to bidding for those big projects you need insurance in place to be considered for the job.

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Retail

You deal with people every day. Customers are your thing. And so is their health and safety. Accidents do happen and they’re often out of your control. However, as the owner, these accidents become your problem which is why you need State Business Liability Cover. You’ll also be covered if one of your employees gets injured on the job and is not covered by ACC.

Request a call-back

Hospitality

There tends to be a lot of breaks in hospo. And not only the welcome ones. Among the breaks are other things you don’t see coming – those accidents that you may not think you’re legally responsible for, but indeed you are. These incidents can range from a waiter accidentally spilling coffee or hot food on a customer to one of your own staff being injured on the premises.

Request a call-back

Health and Beauty

Making others feel good is a talent. You’re in the business of transforming others. Making them feel valued. It’s a competitive industry and your reputation is everything. That’s why you need liability insurance. Liability insurance will protect you if one of your customers is injured or has their property damaged at your salon. It will cover trips, spills and accidents caused by your salon equipment.

Request a call-back

Mechanics

As a mechanic, the bulk of your business is dealing with people’s rides that they’ve left in your care. You face the risk of legal action being taken against you if you accidentally cause injury to a person or damage to their property while you’re doing business.

Request a call-back

Liability can mean different things to different business, besides you’re all unique right? See what liability means for your industry

Tradies

Being a tradie is hard work. There’s a lot of pressure on you to get it right. And as awesome as we know you are, sometimes you stuff up. Besides you’re only human. So… why do you need insurance? As a tradie, you’re more likely than any other industry to get a public liability claim against you. Constantly working on other people’s properties or sites means that if you accidentally break something – you’re responsible for it. If you need to defend yourself in court, this cover will pay for reasonable costs that arise from this. But only if the action you’re defending has been proven. Plus, when it comes to bidding for those big projects you need insurance in place to be considered for the job.

Request a call-back
Retail

You deal with people every day. Customers are your thing. And so is their health and safety. Accidents do happen and they’re often out of your control. However, as the owner, these accidents become your problem which is why you need State Business Liability Cover. You’ll also be covered if one of your employees gets injured on the job and is not covered by ACC.

Request a call-back
Hospitality

There tends to be a lot of breaks in hospo. And not only the welcome ones. Among the breaks are other things you don’t see coming – those accidents that you may not think you’re legally responsible for, but indeed you are. These incidents can range from a waiter accidentally spilling coffee or hot food on a customer to one of your own staff being injured on the premises.

Request a call-back
Health and Beauty

Making others feel good is a talent. You’re in the business of transforming others. Making them feel valued. It’s a competitive industry and your reputation is everything. That’s why you need liability insurance. Liability insurance will protect you if one of your customers is injured or has their property damaged at your salon. It will cover trips, spills and accidents caused by your salon equipment.

Request a call-back
Mechanics

As a mechanic, the bulk of your business is dealing with people’s rides that they’ve left in your care. You face the risk of legal action being taken against you if you accidentally cause injury to a person or damage to their property while you’re doing business.

Request a call-back