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.


  • State Business insurance claims

    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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  • Pink piggy bank

    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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  • Collect Fly Buys with State

    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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