Liability & Risk - managing your exposure

Public liability, products liability, professional indemnity, statutory liability and risk management advice - structured to protect you and your business.

Protect against the unexpected

Liability & Risk

Liability is the risk of being held responsible for harm to someone else - their person, their property, or their financial interests. It's one of the most overlooked areas of insurance and one of the most potentially damaging. KIS arranges liability cover and provides practical risk management advice so you understand your exposures and protect against them properly.

Public liability

Cover if a third party is injured or their property is damaged because of you.

Products liability

Protection against claims arising from products you make or sell.

Professional indemnity

Cover for claims arising from professional advice or services you provide.

Statutory liability

Protection against breaches of certain statutes and the costs of defending them.

Employers liability

Cover for liability to employees for workplace injury beyond ACC.

Risk management advice

Practical guidance to identify and reduce your exposures before they become claims.

Liability you might not realise you carry

Many individuals and businesses carry more liability exposure than they think. A tradesperson on a client's site, a professional giving advice, a business selling a product, or an employer with staff - each carries distinct liability risks. We help you see those risks clearly and arrange cover that responds to them. Public liability insurance NZ businesses need isn't just for large companies; a sole trader whose work causes property damage, a small retailer whose product injures a customer, or a consultant whose advice causes a financial loss can all face claims that run to tens or hundreds of thousands of dollars. We map your specific exposures - to clients, to the public, to employees and to regulators - and arrange the right combination of public liability, products liability, professional indemnity and statutory liability to cover them. The aim is simple: no surprises, and no gaps where a claim could slip through and threaten everything you've built.

Prevention is better than claims

The cheapest claim is the one that never happens. Alongside arranging cover, KIS offers practical risk management advice - simple steps that reduce the chance of an incident and, often, the cost of your premiums. Good risk management and good insurance work hand in hand. Risk management advice isn't about thick reports no one reads; it's about practical, common-sense steps that genuinely reduce your exposure. For a tradesperson that might mean site sign-off procedures and tool security; for a professional, clear engagement terms and documentation; for a business with staff, clear health and safety processes. We help you identify the small things that prevent the big claims, and we explain how those steps can also reduce your premiums - because insurers reward businesses that actively manage their risk. It's the combination of the right cover and the right practices that gives you genuine protection.

Statutory, employers and management liability

Beyond public and products liability, businesses face a range of less obvious but equally serious exposures. Statutory liability protects against the costs of defending alleged breaches of legislation - from the Resource Management Act to the Health and Safety at Work Act - and any resulting reparation. Employers liability covers your liability to employees for workplace injury beyond what ACC provides. Management liability addresses the personal exposures of directors and officers for the decisions they make on behalf of the business. These covers are often overlooked because they're less visible than a fire or a theft, but a single statutory prosecution or employment dispute can be financially devastating. We make sure your liability programme addresses the full picture - the obvious risks and the ones you might not see coming - so you and your business are protected from every angle.

Explore our other services

Marine Insurance Blue-Water & Launch Insurance Domestic Insurance Commercial Insurance Rural Insurance Prestige Vehicles Life & Health Insurance

Where we provide this cover

Based in Bream Bay, servicing all of Northland and nationwide for marine and commercial clients.

Bream Bay / One Tree Point / Marsden Cove Whangārei Northland Kerikeri Kaitaia Rest of New Zealand

Ready to keep your insurance simple?

Get a free, no-obligation consultation with Tim - your local Northland broker.

022 323 9125