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Liability insurance

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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

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