Other Liability products

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 your business already has 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).

Zurich's Employers Liability Insurance policy covers damages and legal costs for employees who have suffered injury or disease arising from, and in the course of, their employment.