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Protect your business from the unexpected.

Operating a business usually means interacting with many people and while you may do your best to avoid causing injury or damage, there is an ever present risk.  From customers and suppliers entering your premises to work performed offsite. From the products you sell to the way you advertise your products and services. What will it cost you if you are taken to court? The legal costs alone can be significant.

Protect your business against the risk of personal injury and property damage to third parties through one of our Liability insurance policies below.

Claims Made Combined General Liability insurance

This policy responds to claims made against you during the policy period for incidents that may have happened in the past. This differs from our Combined General Liability insurance policy where the incident giving rise to the claim occurs during the policy period.

Excess Liability insurance

This policy provides cover for loss in excess of and after all underlying liability insurance has been exhausted, providing additional liability insurance cover.

Umbrella Liability insurance

An Umbrella Liability policy provides additional cover above limits you already have from other relevant liability policies.

Statutory Liability insurance

A breach in law can result in investigation or prosecution by a regulatory body, as well as a subsequent fine or penalty. Even with the best internal policies, there's an ongoing risk of unintentional breach from the actions of the company itself or its directors, officers and employees. Some of the most common breaches relate to workplace safety, employment and the environment. This policy complements our Directors and Officers insurance.

Employers Liability insurance

Whilst New Zealand's accident compensation scheme, the Accident Compensation Corporation (ACC) provides cover for most accidents at work, employees can still sue for work-related illnesses that the ACC does not cover, including:

  • Mental injury or stress not accompanied by any physical injury
  • Nervous shock or fright not accompanied by any physical injury (this may result in serious illness, such as heart attack or stroke)
  • Disease brought on over time (eg exposure to the elements or extremes of temperature).

All employers - no matter how large or small - are advised to consider having Employers Liability Insurance. Zurich's policy covers damages and legal costs for employees who have suffered injury or disease arising from, and in the course of, their employment.

How to apply

We sell Zurich Insurance through independent insurance brokers so you can be sure it's the right cover for your needs.

You can find a broker with the free IBANZ service.