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

The FMG Liability policy automatically includes these benefits. 

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.

Up to $5,000 of cover for liability for costs payable under Fire Service Act 1975 arising from a hazardous substances emergency at your premises.

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

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, caused by your use of plant or machinery that’s part of, or attached to, a motor vehicle. This excludes vehicles already covered under the Forklifts, Fork Hoists or Fork Truck benefit. 

Cover for accidental loss to other people’s property caused by your animal escaping or wandering while they are under your or your employee’s control. There is also cover for accidental loss to the property of others caused by objects or harmful materials (other than liquids or sprays) being thrown up from your farm vehicle or caused by trees on your property falling in a storm.  Cover is up to $5,000, or you can choose a higher limit. 

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 up to $500,000 for accidental loss or injury arising from your use of a harvester. You can also choose a higher level of cover. 

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, Licensed Building Practitioners 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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