Casualty

Combined General Liability Insurance protects businesses against the significant costs associated with claims for property damage or third party injury.  It covers:

• third party personal injury
• third party property damage
• advertising liability

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.

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

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

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.

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.