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Liability insurance
Internet liability insurance
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.
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 cyber insurance solutions, or our brokers can work with you to create a package that incorporates internet liability insurance. And if a claim does arise, we will act as your advocate to ensure it is resolved fairly and promptly.
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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
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
Employers liability
Employers liability protects employers against claims brought by employees who have sustained an injury not covered by ACC
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice
Directors and officers liability
Directors and officers 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