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.

Cover for your liability for accidental loss or injury to any customers or visitors while touring your premises. 

Covers your liability for accidental loss or injury while doing clerical, managerial, marketing, or sales work for your business overseas, provided you live in New Zealand. Work of a manual nature is excluded. 

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. 

Up to $10,000 of cover for your liability for accidental loss to other people’s property that is in your care. 

For policies effective from 1 July 2019, this limit has now been extended from $10,000 per event to $250,000 in the aggregate for all events during the period of insurance (including $50,000 for any property hired, leased or rented) to coincide with the retirement of our Bailee’s Liability Optional Benefit.

Optional extras

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

Cover for your liability as a bailee for accidental loss to the property of other’s that’s in your control at your premises. 

For policies effective from 1 July 2019, our Bailee’s Liability Optional Benefit is being retired and replaced by an extended Property in Your Care (PIYC) Automatic Benefit.  The new PIYC Automatic Benefit provides cover previously provided by our Bailee’s Liability Optional Benefit, and goes further by providing cover for property hired, leased or rented.

Covers your liability under the Carriage of Goods Act 1979 for ‘limited carrier’s risk’ resulting from accidental loss to goods you’re transporting in New Zealand.

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. 

Liability cover for accidental loss to the property of others from spraying drift arising from your spraying of herbicides, fungicides or pesticides. This benefit does not cover the actual property being sprayed.

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.

Covers your liability if you accidentally cause loss to wine, honey or olive oil products owned by someone else through your production process.

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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