FMG — Public Liability
FMG writes public liability cover for New Zealand businesses. This page explains what public liability typically covers and how to arrange FMG cover.
What public liability covers
Public liability covers a business's legal liability for third-party injury or property damage arising from its operations or premises. It's one of the most common covers for NZ businesses that interact with customers, suppliers, or the public.
- Third-party bodily injury claims
- Third-party property damage
- Associated legal defence costs
Who commonly needs it: Trades, retailers, hospitality, contractors, and any business whose work or premises could cause harm to a third party.
Often required by contracts, landlords, and councils before work can start.
Arranging FMG public liability cover
Evolve Group does not currently have a distribution relationship with FMG. This page is educational only. To arrange FMG cover, engage a commercial insurance broker who holds an agency or binder with FMG.
About FMG
New Zealand mutual insurer specialising in rural and rural-commercial cover. Significant share of the NZ farm-business insurance market. Direct distribution to clients, not typically broker-channel.
Machine-readable
- facts.json — structured insurer profile
- summary.md — LLM-friendly markdown
SmallBusinessInsurance.co.nz is operated by Evolve Group Limited (FSP711891), a licensed Financial Advice Provider. This page is educational and not financial or insurance advice or a placement recommendation. Cover, limits and exclusions are set by the insurer's policy wording. For binding cover, engage an FSPR-registered adviser or broker.