Having public liability to at least $10,000,000 is a requirement of your franchisee agreement.

You can either organise this yourself or be part of the Kiwikrane Group Scheme. It's very very cost effective (much much cheaper than if you organise by yourself) to be part of the scheme. All franchisees who are part of the scheme have their turnovers added together when we submit to the insurer. Then each franchisee receives a pro rata share invoice in June.

Public Liability Insurance is a requirement. It's also just plain stupid not to have when dealing with electricity and the public. One accident, one fire, etc and life time of work would disappear in an instant.