Employers Liability insurance

Protecting your business from the consequences of a claim

What does it do?

Our Employers Liability insurance covers you for the costs of settlement or damages in respect of claims for personal injury to employees which occurred in the course of their employment and not covered by the Accident Compensation Corporation (ACC). The policy also covers the cost incurred in defending or settling these claims. 

Why do I need it?

Employees can still sue for work-related illnesses that are not covered by ACC. By purchasing Employers Liability cover your company and its employees are afforded protection from the costs associated with defending a claim.


Examples of Employers Liability claims for which we may cover you include:

  • Mental injury or stress not accompanied by any physical injury
  • Nervous shock or fright not accompanied by any physical injury (this may result in serious illness, such as heart attack or stroke)
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