Business liability insurance

Cover your legal liability in New Zealand, whether you’re working from home, the office or your retail shop. This can also be extended to employer’s and statutory liability.

Call 0800 379 372 or request a callback

Key benefits

  • Landlord's liability cover

    You’re covered if your business is legally liable to pay for personal injury and/or property damage in connection with any premises legally owned, but not occupied by you.

  • Product recall cover

    We will help with costs you are legally liable to pay for physically recalling or withdrawing products that have resulted in a claim covered under your policy where necessary to avoid similar claims.

  • Tenant's liability cover

    If your business is legally required to pay costs for property damage to premises it leases or rents, you’re covered.

  • Punitive and exemplary damages

    For general liability only. Your business is covered up to $1,000,000 if a person is awarded punitive or exemplary damages as a result of an injury in connection with your business.

  • Defence cost advancement cover

    For Employers and Statutory Liability only. We will advance covered defence costs in respect of employers and statutory liability.

This is a summary only. See the policy for the full list of benefits, terms and conditions.

Download policy (PDF, 1MB) 

Choose the right liability cover for your business

  • General liability
    Also known as public liability, this looks after any costs you’re legally responsible for if you accidentally damage someone else’s property or injure someone.  
  • Employer’s liability
    If one of your employees is injured at work, and it’s not covered by ACC, they could make a claim against you. This cover protects you for legal defence costs.  
  • Statutory liability
    Statutory liability insurance can help cover your legal defence costs if you accidentally breach certain statutory laws. 
Call 0800 379 372 or request a callback.

Request a quote callback