Liability is a very complex area, particularly in the building industry, with plenty of general consumer protection as well as industry-specific legislation and regulation governing the actions of building trade professionals, not to mention contract law and liability in common law for negligence.
Good risk management can help you minimise your liability and the cost of a mistake or accident. This includes having the right insurance, tailored to suit your activities.
Watch our liability webinar for builders (27 mins) or scroll down to read more about the policies available and get instant online quotes.
Public liability insurance
This covers claims for accidental property damage or loss (and in some cases injury). Our policy automatically includes license defence cover, cover for the building you're working on and optional cover for damage caused by faulty workmanship and professional advice or service. Read more.
Public Liability Insurance
Statutory liability insurance
This covers you for the fines and penalties imposed under New Zealand Acts of Parliament. It also covers the costs of defending these cases in court if necessary. While health & safety fines cannot legally be insured for, the policy will pay legal defence costs if you're prosecuted and reparations if they are awarded by a judge. Read more.
Statutory Liability Insurance
Errors and Omissions (E&O) Indemnity
This is professional indemnity insurance for building & trade professionals. It will cover your legal costs and damages if you and/or your business are held responsible for a mistake that has caused someone a financial loss. Read more.
Errors & Omissions Indemnity
LBP Professional Indemnity
This covers the costs of defending a complaint to the Building Practitioners Board, liability for damages from mistakes made in RBW Records of Work documentation and claims arising from LBPs supervising non-LBPs performing restricted building work. Read more.