Liability Insurance

Protect your company's assets.

For many New Zealand businesses, the risk of litigation is something which is hard to quantify but it is ultimately a commercial risk which needs to be addressed. With new legislation and regulations emerging, we have all the Liability Insurance products to help you manage and mitigate those risks.

To enable us to get a better handle on your specific insurance requirements, it would be great to hear from you and start working on your no obligation insurance quotation without delay.

See below for how we can help you.

Public Liability

Provides protection for claims of compensation in respect of unexpected and unintended property damage or personal injury, to Third Parties, for which the business is legally liable. In addition the policy provides for the costs of defending these claims.

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Cyber Liability

With incidents of cyber fraud and fraud on the rise, it seems clear that no industry sector, business type or size is immune to the financial and reputational consequences of this. At BWRS, we have comprehensive insurance solutions protecting your business assets against the growing complexity of cyber threats.

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Professional Indemnity

Provides protection for businesses and professional persons for legal liability arising from a breach of professional duty or negligence in the performance of those professional services including legal costs and expenses relating to defending these claims.

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Fidelity

Provides cover to protect the business against loss of money and/or property or services belonging to the company, through any dishonest or fraudulent act by staff employed by the company.

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Trustees Liability

Provides protection against claims for actual or alleged breach of trust, breach of duty, negligent acts, errors or omissions whilst undertaking their duties for the trust.

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Employers Liability

Provides protection to employers for the costs of legal action and any compensation awarded to employees as a result of personal injury suffered by an employee in the course of their employment, and not covered by ACC.

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Association Liability

Provides protection to those engaged in community or industry associations who may be held personally liable for wrongful acts such as errors, omissions or mistakes whilst undertaking their duties for the association.

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Employment Disputes

Provides protection to employers for personal grievance actions taken against them by employees and prospective employees as a result of unjustified dismissal, discrimination or other disadvantage. Cover includes defence costs, fines and penalties.

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Statutory Liability

Provides cover for breaches of most legislation, such as the Fair Trading Act, Consumer Guarantees Act, Privacy Act, but excluding criminal acts & taxation legislation. Cover includes defence costs and, in most cases, fines & penalties imposed following a conviction. Fines under the Health & Safety in Employment Act are excluded.

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Directors & Officers Liability

This cover provides protection to Directors, Senior Management and Officers of your business for wrongful acts committed whilst carrying out their duties associated with the management of the company. Cover includes the costs of legal representation in the defence of civil or criminal proceedings and settlements or judgements awarded against directors and officers where no indemnity is given by the company.

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Rural Liability

This cover provides protection to Directors, Senior Management and Officers of your business for wrongful acts committed whilst carrying out their duties associated with the management of the company. Cover includes the costs of legal representation in the defence of civil or criminal proceedings and settlements or judgements awarded against directors and officers where no indemnity is given by the company.

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Liability Insurance

Protect your company's assets.

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Public Liability

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Cyber Liability

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Professional Indemnity

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Fidelity

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Trustees Liability

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Employers Liability

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Association Liability

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Employment Disputes

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Statutory Liability

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Directors & Officers Liability

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Rural Liability

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