Insures you for your legal liability for accidental loss to the property of others or accidental injury to any other person in connection with your business.  It also provides cover for your legal defence costs.

What we cover

These are some of the benefits automatically included in the FMG Liability policy. 

In the event you do not renew or replace your policy, your cover will be automatically extended until 60 days after the period of insurance ends.

If you own tenanted premises this covers your liability for accidental loss or injury caused by your negligence, or by your employee or agent’s negligence, or due to a defect in the premises. 

Covers your liability for accidental loss or injury in connection with your products, provided you’ve taken all reasonable steps to ensure that they are in good condition and fit for purpose. 

Cover for punitive or exemplary damages awarded against you for accidental injury covered by this policy, up to $1,000,000 total for all events during the period of insurance. 

Covers your legal liability for accidental loss to any premises rented, leased, tenanted, hired, or occupied, but not owned, by you.  

Liability cover for accidental loss to your customers’ or visitors’ motor vehicles parked at your premises.

Optional extras

These are some of the Optional Benefits you can purchase for even more comprehensive insurance.

Covers your liability for compensatory damages as a result of an employee injuring themselves in connection with your business, provided this isn’t covered by the Accident Compensation Corporation. 

Covers your liability if you’re ordered to pay penalties following prosecutions for unintentional, negligent conduct in connection with your business under various statutes. Where there is cover under this benefit in respect of a health and safety infringement, we will pay up to $2000 for counselling costs.

What we pay

Some benefits have a maximum payment amount specified in the policy wording. All other payment limits will be set out in your insurance certificate.

For the Employer’s Liability and Statutory Liability Optional Benefits reasonable and necessary legal defence costs are included in the payment limits. For any other liability cover reasonable and necessary legal defence costs are on top of the liability limit, up to the value payable under the relevant benefit.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.


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