Employers Liability Insurance

Looking for protection for your legal liability if an employee is injured? Get an Employers Liability insurance quote from New Zealand’s Most Trusted General Insurer. Live a little freer with AA Insurance.

Speak to a Small Business Insurance Consultant

0800 500 231

How can Employers Liability insurance help?

If you are found legally liable for an injury your employee has sustained during the course of their duties or employment, we will pay for the damages awarded against you, up to your policy limit.

  • Advancement of defence costs

    If you are required to attend court to defend your legal liability, we will advance your defence costs to you as and when they are incurred.

  • Defence costs

    You can choose to have your cover extended to cover any defence cost which is otherwise excluded under the policy but involves a charge under Section 9 of the Law Reform Act 1936.

Every business is unique, so give us a call on 0800 500 231 to discuss the best insurance options for you.

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Policy Document

This page is only a summary of key benefits, and application for cover is subject to underwriting acceptance. For full details, exclusions and limitations, please read the policy document.

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Speak to a Small Business Insurance Consultant

Call us on 0800 500 231

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Frequently asked questions

If you can't find the answer you're looking for, please contact us.

Do you cover legal liability which has not been caused by an employee's injury?

Employers Liability insurance only covers legal liability due to an employee being injured in the course of or related to their employment.

If you require cover for other legal liability, this requires separate cover under Public and Products Liability insurance. Statutory Liability insurance covers defence costs and certain fines if you are prosecuted for breaching legislation.

Call us on 0800 500 231 to discuss your cover options.

Do I need my own insurance cover when ACC covers employee injuries?

Yes. Although ACC provides cover for many accidents there are still many examples, such as work-related illnesses, where there is no cover under ACC. Employers Liability insurance may provide you with protection for those situations where your employee is unable to claim under ACC but still has a claim against you as their employer.

Call us on 0800 500 231 to discuss your cover options.