This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
Liability insurance. Sounds boring, but it’s essential for protecting your business from the legal and financial costs of liability claims. Different cover for different risks.
Get the right one and take on clients, projects, and staff with ease.
More business. Less worry.
Also known as Broadform or General liability. An important liability insurance that helps with costs if a claim is made against your business and you’re legally liable. Handy for service providers, trades and when quoting for large contracts.
Cover snap-shot.
Defence costs for claims
Liability for injury or damage to someone else’s property
Liability for uncharged advice or services, unintentional advertising errors, and the products you sell
Product withdrawals
Optional extra.
Liability for damage to property being worked on (great option for trades)
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Regulations in the work environment are complex and mistakes happen. A missed process or employee injury can upset business operations. Statutory Liability cover helps protect businesses and individuals from financial headaches if specific laws have been unintentionally breached.
Cover snap-shot.
Legal defence costs for investigations and prosecutions by a regulatory body
Court-ordered reparations to victims or their families
Certain prosecution fines
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ACC doesn’t cover every workplace injury. Employers Liability insurance covers your legal liability and cushions the financial impact from defending workplace accident claims.
Cover snap-shot.
Liability for employee injuries not covered by ACC
Defence costs for claims
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This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
Our NZ business insurance specialists can help with cover, claims, payments and more. We’re here 8am to 6pm Monday to Friday (excluding public holidays).
Book a callback with our biz experts and we’ll get your insurance-y stuff sorted. On your time.
Explore our payment options for businesses and choose one that fits. Sorted.
Even if your landlord’s insurance covers the building, that only protects the building itself. You still need liability insurance to protect your business if it causes injury or damage. For example, if a customer trips on your equipment and is injured, or your work causes water damage to another tenant’s office. The landlord’s insurance won’t cover you, but your liability insurance can.
If you change what your business does, like where you operate, the size of your business, the products you make, or you start exporting, we need to know as you may need different cover. For example, a café expanding into food manufacturing may need new terms and conditions with their insurance.
You’re not covered for damage to the specific item you’re working on, but you are covered for damage to third party property. For example you’re finishing a living room renovation and install TV brackets to mount a customer’s TV. The bracket isn’t fixed correctly, the TV falls, and the floor is damaged. With the optional ‘Property being worked on’ extension, you would be covered for the damage to the wall and TV that you’ve been working on. Without it, only the floor damage is covered.
Highly commended in the New Zealand, General Insurer of the Year category for 11 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.