New Zealand

Optima Management Liability Package

Optima is designed to protect your business from the impact of a wide range of potential risks and is Aotearoa’s most comprehensive management liability package.


Our cover offers you protection against general commercial liabilities, with a modular approach designed so that you can buy as little or as much cover as you need.


Directors and Officers Liability

Provides protection for directors and officers of a company from legal action arising from third parties (including shareholders, creditors, liquidators or regulators) making claims against you.

Corporate Liability

Provides cover for losses arising from securities claims brought against your company.

General Liability

Protects against the costs of compensating third parties if they suffer a personal injury or damage to their property for which you are legally liable.

Statutory Liability

Provides cover for prosecution for regulatory offences under New Zealand Acts of Parliament, including broad cover for Health and Safety prosecutions.

Employment Practices Liability

Provides cover for damages and costs involved with legal action brought by employees for allegations such as discrimination, harassment or unfair dismissal.


Provides cover for theft or forgery committed by an employee or a third party and extends to include Social Engineering Crime.

Employers Liability

Protects you from claims from staff who have been injured in the workplace when not covered by ACC.

Consequential Loss

This section provides cover for financial loss that follows on from a General, Statutory or Employers Liability claim.

Legal Expenses

Protects you and your business against the potential costs of legal action brought by you or against you.

Optional add-on policy

Cyber Liability is an optional add-on policy that protects you against liabilities arising from data protection laws, management of personal data and the consequences of losing information.

Coverage Benefits

Pursuit and Defence Legal Costs Policy

Provides funding to pursue a legal case, as well as defend litigation that comes your way. Covers you for property disputes, data protection, employee breach of restrictive covenants, commercial contract disputes and Statutory Licence.

Free access to legal advice

Speak to our expert lawyers for an hour for free to gain advice on employment disputes and legal expenses.

Free online training

Our online compliance training platform is designed to provide your team with knowledge on key areas of insurable liability risk that impact your business, including crime, cyber and employment issues. By giving them the tools to deal with potential issues, you can avoid problems before they arise.

No “Property being worked on” exclusion

Infectious Diseases

Social Engineering

Hazardous substances


NZ and Pacific Islands domiciled

Worldwide Jurisdiction can be provided

Target Segments

This comprehensive solution can be tailored to any size of company whether private or publicly listed. We can underwrite a broad class of industries and risks.


Up to $30m

Primary & Excess

Umbrella Liability

Want to know more?

Talk to your broker to learn more about Optima Management Liability Package. If you're a broker, get in touch.