Public Liability Policy

Public Liability policies provide business, non profit,sporting and numerous other entities with protection against claims for compensation in respect of unexpected and unintended personal injury or property damage for which they may be legally liable arising out of their business activities.

The definitions of “Personal Injury” and “Property Damage” are broad. "Personal Injury" extends beyond actual bodily injury to mental injury and defamation. "Property Damage" includes both loss of or damage to tangible property and loss of use of tangible property which is undamaged.

In addition, the policy provides for the costs of defending these claims in court, as well as any necessary investigations or negotiations.

Specific areas for which coverage is available are:

  • Manufacture, supply or distribution of products in NZ.
  • Worldwide product exports including USA, Canada and territories for Insureds with no physical presence there.
  • Damage to property in the Insured's care, custody or control (subject to a sub limit of liability).
  • Design error provided property damage or personal injury occurs.
  • Damage to leased premises.
  • Ownership, maintenance, operation or use of watercraft up to 8 metres.
  • Exemplary damages.
  • Sudden and accidental discharge of pollutants.
  • Liability assumed by agreement.
  • Liability under the Forests and Rural Fires legislation.
  • Service and repair of motor vehicles.
Who is Protected

Coverage is provided to the named insured and extends automatically to any:
  • Subsidiary.
  • Organisations controlled and actively managed.
  • Director, employee, partner or shareholder of the Insured, in that capacity.
  • Person or organisation to whom the Insured has promised to arrange insurance.
  • Social or sporting club formed with the Insured's consent.
  • New organisation which the Insured acquires and notifies to us.

To read and print our policy and proposal documents, you will need Adobe Acrobat Reader. Download it here

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