Public liability insurance in New Zealand provides essential financial protection for businesses and individuals against legal liabilities, court defense costs, and compensation payouts if their operational activities accidentally cause bodily injury to a member of the public or damage physical property belonging to someone else. For example, if a customer slips on a wet floor in a retail shop or a contractor damages a client's structural wall, public liability insurance covers the resulting third-party legal claims and repair expenses up to the selected policy limit.
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