Business liability Insurance

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.

Other business policies

If you took out business cover before December 2016 a different policy wording will apply. Get a copy of your policy wording.

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.

Key benefits