Public and commercial liability insurance costs for businesses and individuals in New Zealand vary extensively based on industry risk exposure, business turnover, and selected coverage limits (typically ranging from 5 million to 20 million dollars). Small low-risk service businesses can secure basic public liability policies starting around 400 to 800 New Zealand dollars per year, whereas high-risk industries like construction, manufacturing, or specialized trade contractors face annual premiums scaling from 1,200 to over 5,000 dollars based on operational scale.
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