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Liability Insurance

Mistakes happen. We’ve got your back when things really go belly up.

If you drop a hammer on someone’s head or the old mate busts another pipe, you’re footing the bill. Cactus Liability cover will keep you and the minions protected from personal injury and property damage. We’ve even got your back if you end up in court.

We will cover you for:

Broad Form / Public Liability

This covers you against liability for personal injury or property damage, just select the level of cover you require starting at $1,000,000.

Employers Liability

This is cover for defence costs and any damages you become liable for as an employer, such as an injury to an employee which is sustained in the course of their employment. Just pick the level of cover you require starting at $500,000.

Statutory Liability

This covers you for any fine that you become liable for arising from a breach statute. This also covers your defence costs related to that claim.

“Terms and conditions apply. A copy of the policy wording is available from Cactus on request”

We will also cover

  • Your lost income at the rate of $250 per day for each day you are required to attend court as a result of a claim event.
  • Your defence costs (with no excess) if you are acquitted, or if the case is dismissed or withdrawn, without the payment of any fine.
  • Your legal liability to pay compensation to your landlord as a result of damage to rented or leased premises.
  • Your liability under the Forest and Rural Fires Act for up to $1,000,000.

Spike’s Tip!

Make sure all your subbies have their own liability cover too. If they don’t have cover, don’t let them on site!

Get me covered!

I am a .


Here at Cactus we understand what tradies want and need from insurance. As well as covering you with one simple policy, we’ve thrown in some pretty sick deals too. Sweet as!



We’ve teamed up with the guys over at HazardCo to provide you with all the training and info you need to tick all the health and safety boxes and stay compliant.


Paperwork shmakerwork! The suits over at Haven are offering accounting packages to Cactus clients starting from only $40!


Our friends at ilabb are one of NZ’s most recognizable labels and they want you to always look dope. Cactus customers get 15% off online orders.


For sick as branding and signage on your work gear, look no further than DoctorB. They’re even offering Cactus members 15% off vehicle signwriting.

What our mates say

Mike Drum

Company or Job Title

The process was easy as! The whole thing was simple to use which was a massive benefit to me

Matt Dangen

MJD Electrical

There was no muckin’ around. Super easy to follow and really clean. There’s lots of cover in there that I had no idea about

Nick Josephson

BBT Digital

Highly recommend these lads, a great bunch that understand the needs of a tradie with flexible options to suit my needs. 10/10