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.
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.
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.
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.
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.
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 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.
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.
Up to $250,000 of cover for your legal liability for accidental loss or injury as a result of your causing accidental loss to any underground services, provided all reasonable precautions and inquiries have been made.
Up to $250,000 cover for your legal liability for accidental loss or injury as a result of your removing, weakening or interferring with the support to land or buildings.
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 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.
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 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.
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 wording using the link below, or you can get a free copy by calling us on 0800 366 466.