As much as we like to hope otherwise, accidents do happen. Regardless of the industry you operate in, as a business owner you are liable for property damage and personal injury to a third party resulting from your business activities. Whether you work from your own business premises, a home office, your client’s premises, or even out in public, you have a responsibility to your customers, suppliers, and the community. The last thing you want to have to think about is paying hefty legal costs should an unwanted accident occur. Public Liability Insurance often referred to as General Liability, gives you peace of mind, protecting you and your business against such claims by providing compensation for property damage, and personal injury or death in circumstances that are not covered by the Accident Compensation Commission (ACC). It also covers any legal defense costs you incur as a result of defending yourself.