Statutory Liability


Acts of Parliament such as the Health and Safety at Work Act, Resource Management Act, Consumer Guarantees Act or the Fair Trading Act are a part of being in business.

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The most common claims we see are:

  1. Farms releasing effluent in to the environment
  2. Getting it wrong when trimming or cutting down trees
  3. Adventure sports accidents and deaths
  4. Accidents in the workplace where insufficient training has been given

We tailor the best insurance package to protect your business.

What will statutory liability insurance pay out for?

Another benefit of this type of cover is that it pays out for a wide range of different expenses. Any good statutory liability insurance policy should reimburse you for insurable fines, defence costs and any reparation expenses that may arise.

In many cases, the legal costs and other related expenses will be greater than the fines you face. Without protecting your business, it can be difficult to meet these charges and this could potentially lead to your company facing major financial difficulties.

Make sure you completely understand your policy wording document before taking out cover. If, for example, you need insurance for adventure sports accidents and deaths, then make sure this is definitely included before making a purchase. Every policy will be different, so it pays to be thorough.

Is there anything I can't rely on my policy for?

The key word in your policy description is 'unintentional'. Statutory liability insurance isn't a bail-out package that you can call on when you have deliberately fallen foul of the law. 

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Video: Health & Safety Act - the affect on statutory liability insurance

The Health & Safety Act of 2016 has impacted on all New Zealand businesses. The Act has also influenced norms in statutory liability insurance.

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