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Liability insurance
Business liability insurance
Liability insurance covers legal defence costs and fines you are legally responsible for, if you cause accidental injury or accidental damage to someone else's property in your day-to-day business activities.
Any size or type of business can be on the receiving end of a claim made by a third party, or negligence or omission from a staff member.
Our brokers are here to help you assess the risk, and ensure you are fully protected with the right cover.
Liability solutions
Public liability insurance
Protects your business in the event of claims made by the public in connection with your business' activities.
Statutory liability
Statutory liability insurance can protect businesses against certain unintentional breaches of NZ law
Employers liability
Employers liability protects employers against claims brought by employees who have sustained a personal injury not covered by ACC
Professional indemnity
Professional indemnity insurance is designed to cover professionals who provide advice
Directors and officers liability
Directors and officers insurance protects your executives and board from personal financial risk
Employment disputes
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Product liability
Product liability insurance protects against claims of personal injury or property damage caused by a business
Crime and fidelity
Crime and fidelity insurance protect organisations from losses arising from dishonest acts committed by employees
Trustees liability
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust
Liability consequential loss
Responds to financial losses suffered by a business, following a business interruption that's a result of a liability insurance claim
Criminal defence legal costs
Provides cover for costs incurred in legal disputes brought against you, company officers and employers
Internet liability
Internet liability insurance provides specialist protection often not covered in general liability policies
Liability insurance packages
We've developed two cost-effective business insurance policy packages to support a company's primary liability risks.
- PURPL is a liability insurance package arranged by Gallagher and underwritten by QBE Insurance, one of New Zealand’s leading liability insurers.
- SMARTpak offers comprehensive cover for New Zealand’s small and medium businesses in New Zealand.
In addition we offer a range of specialist liability solutions as separate products and as extensions to other liability policies.
Liability experts
Gallagher brokers work with businesses of all sizes and across every industry to arrange the right liability insurance for their risks.
We have a team of liability specialists dealing with complex and hard to place liability policies, who can provide strong technical knowledge and advice to ensure the best possible outcome for our clients.
If you need to make a claim, we advocate on your behalf to get a fair and prompt result. Contact a broker for more information about the right liability cover for your business.