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Liability insurance
What is 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.
What statutory liability insurance covers
Statutory liability insurance covers the organisation, any owner, director, officer, trustee manager or secretary, for reparations and the cost to defend prosecutions.
It can cover prosecutions under many laws, including:
- Health and Safety at Work Act 2015
- Food Act 2014
- Resource Management Act 1991
- Building Act 2004
- Consumer Guarantees Act 1993
- Fair Trading Act 1986
- Privacy Act 2020
It can also cover:
- Investigations by the Commerce Commission
- Investigations of workplace injuries
The policy does not cover:
- Health & Safety at Work Act fines and penalties, though reparations are covered (eg the amounts paid to the victim or their family for emotional harm, property damage or consequential losses.)
- employee contract claims
- police prosecutions or IRD proceedings
- Criminal allegations or liability arising from deliberate, wilful or reckless acts or omissions.
Our brokers can work with you to develop and appropriate liability insurance solution to cover you against unintentional breaches of New Zealand law. And in the event of a claim, we'll work as your advocate to help get a fair and prompt result.
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Liability solutions
Public liability insurance
Protects your business in the event of claims made by the public in connection with your business activities.
Statutory liability
Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law.
Employer's liability
Employer’s liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC.
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice.
Directors and officers liability
Director’s and officer's insurance protects your executives and board from personal financial risk.
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees.
Product liability
Product liability insurance protects against claims of personal injury or property damage caused by a business.
Crime and fidelity
Crime and fidelity insurance protect organisations from losses arising from dishonest acts committed by employees.
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust.
Liability consequential loss
Responds to financial losses suffered by a business following a business interruption that's a result of a liability insurance claim.
Criminal defence legal costs
Provides cover for costs incurred in legal disputes brought against you, company officers and employers.
Internet liability
Internet liability insurance provides specialist protection often not covered in general liability policies.