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Liability insurance
Internet liability lnsurance
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.
Most general liability policies only cover “tangible” assets and electronic data is not considered tangible under a typical policy definition.
Who needs internet liability insurance?
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.
What internet liability insurance covers
Internet liability insurance is usually an extension of another liability policy.
It protects you against claims of online defamation or infringement of various intellectual property and privacy rights.
It also provides protection against:
- spreading a virus or malicious code
- computer theft, extortion
- or any unintentional act, mistake, error, or omission made by your employees while performing their job
A key benefit of an internet liability policy is 24/7 access to expert help. Professional support is available to restore your network, to identify and extract viruses and there is cover for the cost of staff to re-key lost data, the customers’ business interruption costs and solicitor expenses.
We also offer comprehensive cyber insurance solutions. Our brokers can work with you to create a tailored cost-effective package that incorporates internet liability insurance and safeguards you, your business and your employees. And in the event of a claim, we'll work with you through to its resolution.
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Claim example
A nursery received an email from a garden centre requesting an increased order of herbs. The email contained a new virus. Unknown to the nursery, all emails they subsequently sent to customers and suppliers also contained a virus. It was an hour before a receiving system identified the virus and notified the nursery – but by this time three customer systems had been compromised.
The nursery’s internet liability policy paid for external IT consultants to identify and extract the virus, the cost of overtime necessary for customers’ staff to re-key lost data, the customers’ business interruption costs and solicitor expenses.
Liability solutions
Public liability
Public and product liability insurance minimises the financial impact on a business should the unexpected happen
Product liability
Product liability insurance protects against claims of personal injury or property damage caused by a business
Directors and officers liability
Directors and officers insurance protects your executives and board from personal financial risk
Statutory liability
Statutory liability insurance can protect businesses against certain unintentional breaches of New Zealand law
Employers liability
An employers liability policy protects employers against claims brought by their employees who have sustained an injury where the ACC does not provide cover
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Crime insurance
Crime and fidelity insurance protect organisations from losses which could arise from dishonest or fraudulent acts committed by employees
Professional indemnity
Professional indemnity insurance is designed for professionals who provide advice
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust