Liability Insurance

Business Liability

Liability insurance covers legal defence costs and fines you are legally responsible for, if you cause accidental injury or accidental damage to someone else's property in your day-to-day business activities.

Any size or type of business can be on the receiving end of a claim made by a third party, or negligence or omission from a staff member.

Our brokers are here to help you assess the risk, and ensure you are fully protected with the right cover.

Statutory Liability insurance

Statutory liability insurance protects you, your business and your employees, including directors, trustees and managers, against certain unintentional breaches of New Zealand law resulting in prosecution.

Statutory liability policy provides access to specialist legal assistance and expert advice if you or your business is being prosecuted for breaching an Act.

Public liability insurance

Public liability insurance protects your business in the event of an unforeseen incident. It covers claims made by the public that happen in connection with your business's day to day activities.

Public liability insurance is often provided with product liabiity cover and ensures if needed you can pay compensation for unintended and unexpected personal injury and property damage arising from your products or services.

Sometimes called “general liability insurance”, public liability can cover events ranging from minor workplace incidents to serious accidents.

Professional indemnity insurance

Businesses that provide opinions, advice, design or specification run the risk of claims against them if the advice or design turns out to be unsatisfactory.

Even if you’re not at fault, you may have to spend significant amounts on legal fees to prove that the liability isn’t yours.

Professional indemnity insurance covers the risk of making a professional mistake: an act, error, omission or through conduct or being misinterpreted.

Employers’ liability insurance

An employers' liability policy (sometimes referred to as EL) protects employers against claims brought by their employees who have sustained an injury in the course of their employment where Accident Compensation Commission (ACC) does not provide cover.

Employers' liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering bodily injury arising out of their employment.

Directors and officers liability insurance

Directors and officers’ liability insurance (often called D&O insurance) is designed to protect directors, officers and employees involved in the management of a company, from personal loss resulting from legal claims made against them while they perform duties on behalf of the company.

A company’s board of directors and officers are personally at risk. They are accountable for all aspects of corporate governance, including business failings, oversights or omissions. Family trusts and the company’s limited liability status may not be enough to keep a director’s home and other personal assets safe.

Product liability insurance

Product liability insurance protects against claims of personal injury or property damage caused by products sold or supplied through your business.

Could you afford to meet the cost of a compensation claim if your business was sued and you didn’t have cover?

Product liability insurance is usually included in your public liability insurance and is essential if you sell, supply or deliver products to members of the public.

Internet liability insurance

Internet liability insurance protects you against actions brought by third parties who claim they have suffered a wrong in relation to the operation of your website or your use of the internet or email.

Internet liability insurance is recommended for any business that sends and receives information by email, has a website, downloads documents or holds personal and sensitive data.

Trustees’ liability insurance

Trustees liability insurance provides cover against allegations that a trustee, trust secretary or other officer has committed a wrongful act in carrying out their duties.

Being a trustee comes with a lot of duties and responsibilities.

Whether you are the custodian of a large trust, managing a family company, overseeing an owned property, sitting on the board of a public or private foundation, there are bound to be disagreements that could be the cause of potential liabilities for you.