Public liability insurance costs for small businesses and independent contractors in New Zealand generally range between 400 and 900 New Zealand dollars per year for standard coverage limits of 5 million to 10 million dollars within low-risk service sectors. In contrast, businesses operating in high-risk industries such as heavy commercial construction, scaffolding, manufacturing, or specialized trade contracting face much higher annual premiums scaling from 1,200 to over 5,000 dollars, directly reflecting their elevated operational risk exposures and higher third-party property damage potential.
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