Small business owners - public liability insurance?

[mada]

Starting a small time consulting venture and needing to get public liability insurance. Prob only needing cover up to a couple hundred thousand.

Any other small business owners on here who have it and can recommend good deals/tips with insurance companies or brokers before I jump in?

Cheers,

M.

[Oscar]

Tip #1 - Don't seek business advice on KB.

[yokel]

Tip #1 - Don't seek business advice on KB.

I'm confused?
So mada should or shouldn't pay any attention to your tip?

[Oscar]

I'm confused?
So mada should or shouldn't pay any attention to your tip?

Tip #2 - Irony is hard.

[oldrider]

Another thread takeover - it's always got to be all about you doesn't it Oscar!

[Banditbandit]

I'm confused?

Obvious - but not our problem ...

So mada should or shouldn't pay any attention to your tip?

Mada is free to do what he likes ..

[Banditbandit]

Starting a small time consulting venture and needing to get public liability insurance. Prob only needing cover up to a couple hundred thousand.

Any other small business owners on here who have it and can recommend good deals/tips with insurance companies or brokers before I jump in?

Cheers,

M.

I'd have a look at AON.

https://www.aon.co.nz/

No, I don't have a small business or small business insurance, but I have dealt with AON insurance for a number of years and they have been excellent.

[R650R]

I'd have a look at AON.

https://www.aon.co.nz/

No, I don't have a small business or small business insurance, but I have dealt with AON insurance for a number of years and they have been excellent.

Yep, go see a broker.

They will be reluctant to do it just on its own, do you have tools and gear that needs insuring for business use, PI on top of that is usually not much extra.
Check to see if it covers legal costs also. As before you get found liable for something and have to pay out there will be some sort of legal battle first.
Min cover is usually about 1 million, premium is prob about 300 year for that as part of bigger policy. Eg I had heap camera gear plus PI for about 1k plus change a year.
Will you be working on other companies sites. Some bigger places wont let you operate without less than 25 million PL.

[Oscar]

I'd have a look at AON.

https://www.aon.co.nz/

No, I don't have a small business or small business insurance, but I have dealt with AON insurance for a number of years and they have been excellent.

What he said.

AON or Marsh.

[Oscar]

Another thread takeover - it's always got to be all about you doesn't it Oscar!

Aren't you a bit old to be menstruating?

[oldrider]

Aren't you a bit old to be menstruating?

Are you suggesting we could be blood brothers? - I would have to learn to be a wanker like you first! It could take years - you are the best!

[Oscar]

Are you suggesting we could be blood brothers? - I would have to learn to be a wanker like you first! It could take years - you are the best!

So you are admitting to being a pathetic wanker.
No argument here.

[oldrider]

So you are admitting to being a pathetic wanker.
No argument here.

Lost in translation but the average KB'r would understand your problem!

[Woodman]

Pointless drivel....3...2...1...

[HenryDorsetCase]

Yep, go see a broker.

They will be reluctant to do it just on its own, do you have tools and gear that needs insuring for business use, PI on top of that is usually not much extra.
Check to see if it covers legal costs also. As before you get found liable for something and have to pay out there will be some sort of legal battle first.
Min cover is usually about 1 million, premium is prob about 300 year for that as part of bigger policy. Eg I had heap camera gear plus PI for about 1k plus change a year.
Will you be working on other companies sites. Some bigger places wont let you operate without less than 25 million PL.

what this guy said. bundle that shit with some material damage. be prepared for hard sell. DO NOT USE AMP.

Go see Crombie Lockjaw, maybe Marsh.

Maybe a local outfit. Usually they are better than the big firms (applies to most trades in my experience: lawyers, plumbers, electricians). ask your frenz and fambly for a recommendo.