Protect your business against legal claims, financial losses, and professional mistakes that could arise from your operations, advice, products, services, or management decisions. This category includes policies such as public liability, statutory liability, professional indemnity, management liability, cyber liability, and other specialised business liability covers.
Contact us to discuss how liability insurance can help protect your business, directors, employees, and reputation.
Modern businesses face increasing legal, regulatory, contractual, and cyber-related risks. Even where allegations are unfounded, the cost of responding to investigations, defending claims, and obtaining legal advice can be significant.
Liability insurance helps businesses manage these risks by providing financial protection and support when disputes, claims, or regulatory issues arise.
We take the time to understand your business activities, contractual obligations, regulatory environment, and professional responsibilities before recommending liability insurance solutions tailored to your needs.
Liability claims can result in significant legal costs, management time, and reputational damage. Appropriate insurance can help businesses respond to claims, investigations, and disputes with greater confidence.
Public Liability Insurance protects your business against claims arising from accidental property damage or bodily injury to third parties caused by your business activities. Whether you work on client sites, operate a commercial premises, or provide services across New Zealand, public liability insurance can help cover legal defence costs, settlements, and compensation claims.
Public Liability Insurance is commonly considered:
Any business that interacts with customers, suppliers, contractors, or members of the public may benefit from liability protection.
Statutory Liability Insurance protects businesses and their directors, officers, and employees against the financial consequences of unintentional breaches of New Zealand legislation. Cover can include legal defence costs and certain fines and penalties where permitted by law, helping businesses manage regulatory investigations and prosecutions.
Employers Liability Insurance provides protection where an employee suffers a work-related injury, illness, or disease that may fall outside the scope of ACC. Cover can assist with legal defence costs and compensation payments, helping employers manage risks that are not fully addressed by New Zealand's no-fault accident compensation scheme.
Professional Indemnity Insurance protects businesses that provide professional advice, design, expertise, or services for a fee. Cover helps defend claims arising from alleged negligence, errors, omissions, misstatements, or breaches of professional duty that result in a client suffering financial loss.
Professional Indemnity Insurance is often required by businesses that provide advice, expertise, recommendations, designs, or professional services, including:
Many contracts and industry bodies also require Professional Indemnity Insurance as part of engagement terms.
Association Liability Insurance is designed for incorporated societies, clubs, charities, not-for-profit organisations, and industry associations. Cover can protect committee members, trustees, office holders, and the organisation itself against claims relating to governance decisions, employment matters, regulatory investigations, and wrongful acts.
Management Liability Insurance provides broad protection for business owners, directors, officers, and senior managers against the legal and financial risks associated with running a business. Cover can include protection for employment disputes, statutory breaches, investigations, theft by employees, and other management-related exposures.
Directors and Officers Liability Insurance (D&O Insurance) protects company directors, officers, trustees, and senior executives against claims alleging wrongful acts in the management of an organisation. Cover can assist with legal defence costs, settlements, and damages arising from decisions made while carrying out their governance and leadership responsibilities.
Employment Disputes Insurance helps protect businesses from the financial impact of employment-related claims, including allegations of unjustified dismissal, discrimination, harassment, bullying, and wrongful disciplinary processes. Cover can assist with legal representation, mediation, employment relations matters, and tribunal proceedings.
Crime Insurance protects businesses against financial losses arising from fraudulent or dishonest acts, including employee theft, embezzlement, forgery, funds transfer fraud, and social engineering attacks. Crime insurance can play an important role in protecting business finances from both internal and external threats.
Cyber Liability Insurance helps businesses respond to cyber attacks, ransomware incidents, data breaches, business email compromise, and other cyber security events. Cover can include forensic investigation costs, data recovery, cyber extortion expenses, business interruption losses, legal liabilities, regulatory costs, and customer notification expenses following a cyber incident.
Cyber incidents can affect businesses of all sizes. Common cyber threats include:
The financial and reputational consequences of a cyber event can be significant, making cyber risk management an increasingly important part of modern business operations. This cover is especially important for E-commerce businesses.
We deliver tailored insurance programmes underpinned by proactive, strategic risk advice. We don’t simply place cover, we work alongside you to understand your business, anticipate your risks, and support confident, well-informed decisions over the long term.
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