Protection From Liability

When accidents happen or mistakes are made the situation can get complicated and costs can escalate quickly.

Common Examples

Public/General Liability

Covers accidental damage to other people’s property

Statutory Liability

Defending WorkSafe prosecutions as well as fines & penalties under other legislation

Professional Indemnity

Covers allegations of errors or omissions in your professional services

Liability is a very complex area, particularly in the building industry. There’s general consumer protection law 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.
All this means good risk management is an essential aspect of running a construction business. That includes having the right indemnity & liability insurance, tailored to suit your activities and risks.

Defending You From Liability

Public & Products Liability

Covering your liability for accidental damage to other people’s property, including allegations of defective workmanship. Read more.

Statutory Liability

Covers fines and penalties and pays legal defence costs due to unintentional breaches of legislation. Examples include the Building Act, Resource Management Act, Fair Trading Act and Health & Safety at Work Act (legal costs and reparations only). Read more.

Employers Liability

Defends you against civil action by employees alleging workplace illness or injury that isn’t covered by ACC. For example stress, cancer or chronic illness. Read more.

LBP Cover

Covers Licensed Building Practitioners against allegations of errors in Records of Work, complaints to the LBP Board and negligent supervision of non-LBPs. Read more.

Professional Indemnity

For mistakes in your professional business that cause someone else a financial cost. Typically covering project management, design, engineering specification and surveying. Read more.

Employee Disputes Liability

Provides protection from employment disputes, such as allegations of unfair dismissal, workplace harassment or discrimination. The policy covers legal costs and any damages awarded. Read more.

Directors & Officers Liability

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


This protects the business from financial loss due to fraudulent or dishonest acts by its employees or other third parties. Read more.

Legal Prosecution Defence Costs

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