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Protection for workplace injury claims that fall outside the ACC system.
New Zealand’s ACC system provides broad support for workplace injuries, but it does not remove every potential liability an employer may face. In some circumstances, an injured employee may still bring a claim directly against the business.
Employers liability insurance helps protect your business against certain workplace injury claims that sit outside ACC. This can include legal defence costs, exemplary damages and specific common law claims that would otherwise need to be funded by the business itself.
A serious incident may involve more than medical treatment and rehabilitation. The business could face allegations about how the injury occurred, whether reasonable precautions were taken and whether its actions or omissions contributed to the outcome.
We help you understand where ACC protection ends and where an employers liability policy may begin, ensuring this cover works alongside your statutory, public liability and other business insurance.
Protection against certain employee injury claims that are not addressed by the accident compensation scheme.
Cover for claims seeking exemplary damages following alleged serious or negligent conduct, subject to the terms of the policy.
Financial support for obtaining legal advice and defending the business when an employee brings a covered claim.
Employers liability can be easy to overlook because many businesses assume ACC provides complete protection. When a claim falls outside the scheme, however, the financial and legal consequences can sit directly with the employer.
We consider your workforce, working environments and existing liability policies to help identify potential gaps. The goal is to create a more complete protection programme, with each policy covering a clearly understood area of risk.
Talk to Ede Insurance Group about your insurance needs, request a call back, or book an insurance review today.