General, Employers, & Statutory Liability Insurance
Overview
Our General Liability cover protects you against the cost of compensating third parties if they suffer a personal injury or damage to their property for which you are legally liable. Employers’ Liability protects you from claims from staff injured in the workplace, where they are not covered by ACC. Our Statutory Liability cover protects you from prosecution under a number of New Zealand Acts of Parliament.
Coverage Benefits
Designed for modern day exposures
This policy is specifically tailored to meet the contractual requirements you face in today’s business environment.
No ‘Property Being Worked On’ Exclusion
Unlimited Reinstatements
The full policy limit is available for each claim, even if you’ve already had a claim that year.
NIL Excess on Defence Costs
Uncapped defence costs with no excess payable on a successful defence (insureds only pay the excess if they’re liable)
Proactive Loss Mitigation
Helps you recover your losses in a crisis.
Rectification of Faulty Work
HSW Crisis Response Costs
Optional Add-on Policy
Our Pursuit and Defence Legal Costs Policy provides funding for you to pursue a legal case, as well as defend litigation that comes your way. This covers you for property disputes, data protection, employee breach of restrictive covenants, commercial contract disputes and Statutory Licence (such as a Liquor Licence).
Territory/Jurisdiction
NZ and Pacific Islands domiciled
Worldwide Jurisdiction can be provided
Target Segments
Office risks
Property owners
Retailers
Wholesalers
Agricultural
Tradesmen
Contractors
Construction
Manufacturing
Industrial
General commercial risks
Capacity
$50m
Worldwide capacity
Primary & Excess
Our Products
Financial Lines