Benefits

Tick Icon Property in your care

Cover of up to $250,000 for your liability for loss of other people’s property while it’s in your care.

Tick Icon Products

Covers loss, damage, or injury in connection with your products.

Tick Icon Mobile plant or machinery

Covers loss caused by your use of plant or machinery that is part of, or attached to, a vehicle.


Instead of protecting your physical property, FMG’s Liability cover insures you in the event you accidentally cause damage to others’ property or personal injury to someone that is not covered by ACC, in connection with your business operations.

FMG’s Liability cover includes optional benefits specific to the type of business you run. Talk to our team about what the right level of Liability cover for your business is.

We cover your employees, executive officers, trustees, shareholders or contractors while they’re carrying out their duties, as well as covering your legal liability for damage caused by your products, provided you’ve taken reasonable steps to make sure they’re in good condition and fit for purpose.

If you find you’re in a position you are held legally liable for an event, our specialist team will work with you to determine the cover you have available.


Optional benefits

You can purchase optional benefits relating specifically to the type of commercial operation you run, including specific benefits relating to industries like dairy farming, agricultural contracting and wine making.

Statutory liability 
Covers your liability if you’re ordered to pay penalties following prosecutions for unintentional, negligent conduct in connection with your business.

Employer’s liability 
Covers your liability if you are ordered to pay compensation to an employee who has injured themselves in connection with your business, provided this isn’t covered by ACC (Accident Compensation Corporation).


To understand which policy wording applies to you, please check your Certificate of Cover, or head online to FMG Connect to view all your policy details, including the dates of your policy period. If you're unsure, give us a call.

For more information on our most recent policy changes, effective from 1 November 2021 click here.

*This is a summary view of our policy and is subject to our specific product documentation and underwriting criteria. For full details please download the policy wording or get a free copy by calling us on 0800 366 466.

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