Liability
Protecting the people, property, and livelihoods that keep rural businesses moving.
Running a business means taking responsibility — for your people, your customers, and the work you do. But even with the best intentions, accidents happen. That’s where liability insurance comes in. It’s designed to protect your business from the financial fallout of legal claims, property damage, or personal injury.
At C&R Insurance, we’re serving the insurance needs for Central Otago and Southland. Because we believe insurance should be personal, we come to you and value face-to-face conversations.
Whether you’re a tradie working on client sites, a retailer serving the public, or a consultant offering advice, liability insurance gives you peace of mind and a safety net.
We can help you find the right cover for a range of liability situations, including:
Protect your business from the unexpected and safeguard your people, your reputation, and your livelihood - connect with C&R to find tailored liability cover.
We can help you find the right cover for a range of liability situations, including:
Public Liability
Public liability covers injury or damage caused to others through your business activities. It’s designed to protect your business if a third party suffers injury or property damage as a result of your operations. Whether you’re a tradie working on‑site, a retailer with foot traffic, or a contractor visiting client premises, this type of cover is essential for managing risk and meeting legal or contractual obligations.
Product Liability
Product liability protects you if a product you sell or supply causes harm. If your business manufactures, sells, or distributes physical products, you could be held responsible if one of those products causes injury or damage. This insurance helps protect you from the financial consequences of such claims — whether it’s harm to a customer or damage to their property.
Statutory Liability
Statutory liability covers legal costs and fines for unintentional breaches of regulations. It applies when a company, its directors, or managers breach laws — even unintentionally. This can include environmental regulations, workplace safety requirements, consumer privacy rules, licensing obligations, and more. It’s an important form of protection for any organisation wanting comprehensive coverage against regulatory risk.
Employers Liability
Employers liability protects against claims from employees for workplace‑related injuries or illness. Employers can be held vicariously liable for wrongful acts committed by employees during the course of their employment, including negligence, harassment, discrimination, or breaches of confidentiality. This cover provides peace of mind by protecting you and your business from damages not covered by ACC.
Professional Indemnity
Professional indemnity is essential for service providers, covering errors, omissions, or advice that leads to financial loss. It offers protection against negligent actions and helps safeguard your business’s reputation if a claim is made. This insurance can cover legal fees, compensation payouts, and associated costs. It’s especially important for consultants, architects, engineers, accountants, and other professionals whose expertise directly influences client outcomes.
Our team works with you to assess your risk profile, explain your obligations, and tailor a policy that reflects your business — not just your industry. We’re here to help you operate with confidence, knowing that if something goes wrong, you’re covered.
Here's how we work:
We listen first. We take the time to understand your business model, your goals, and your pain points.
We tailor your cover. From retail to trades to tourism, we build policies that reflect your actual risks — not generic templates.
We advocate for you. If you need to make a claim, we’re right there with you — helping you navigate the process and get fair outcomes.
We stay connected. As your business evolves, we’re here to review and adjust your cover so it keeps pace with your growth.