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 cover for damage caused by faulty workmanship. 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

Employers Liability Insurance

This covers you for claims for compensation from employees alleging they suffered personal injury during the course of their employment that isn't covered by ACC. It also covers the legal costs for defending such claims.  Read more.

Employers Liability Insurance

Professional Indemnity

This 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.

Professional Indemnity

Directors & Officers Liability Insurance

Protects directors & officers from liability for allegations of mismanagement of the company, including legal defence costs. Read more.

Directors & Officers Liability Insurance

 

Employee Disputes Liability Insurance

Provides protection for the directors, management and the company arising from employment disputes. The policy covers the cost of defending these actions and any damages awarded. Read more.

Employee Disputes Liability Insurance

 

Crime Insurance

This protects the company against financial loss due to the fraudulent or dishonest acts of its employees or other third parties. Read more.

Crime Insurance

 

Legal Prosecution Defence Costs

Covers the legal costs defending a criminal prosecution against the directors, managers and employees for acts committed whilst going about their daily work. Read more.

Legal Prosecution Defence Costs Insurance

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.

LBP Professional Indemnity

Download our Easy to Read Guide to Liability Insurance for Tradies

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