Liability

Liability

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.

Covers your liability for levies, costs and losses under the Forest and Rural Fires Act 1977, up to $1,000,000. You can also choose a higher level of cover.

Covers your liability for accidental loss or injury arising from your use of your forklifts, fork hoists or fork trucks.

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. 

In the event of a covered loss that is likely to lead to further or similar claims, we will pay the costs of physically recalling or withdrawing up to 80% of the relevant products within New Zealand

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. 

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 liability for accidental loss or bodily injury if you’ve made an agreement with a railway company taking responsibility regarding railway sidings.  

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.

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.

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.

Optional extras

You can purchase this Optional Benefit 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. 

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.

Cover for your liability resulting from accidental loss to kiwifruit in your control in your coolstore. 

This covers your liability if your contaminated milk is picked up by the tanker and accidentally contaminates milk owned by others.

Liability cover for accidental loss or injury as a result of your defective design, formula, pattern, plan or specification of your products. 

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 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. 

Up to $250,000 of cover in total for all events during the period of insurance for your liability as a result of a complaint or claim made against you following an actual or alleged mistake in the signing of a Record of Building Work for Restricted Building Work, which results in financial loss. Cover also applies for a claim following the supervision of Restricted Building Work undertaken by Non-licensed Building Practitioners, under the Building Act 2004.  You can also choose a higher level of cover.

Cover for your liability for accidental loss or personal injury in connection with your work with motor vehicles, internal combustion engines, watercraft not exceeding 8m in length, machinery or equipment and related accessories or fittings, while they are in your possession.

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, 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.

Liability 2016-17.pdf

Cover is also available for your Management Liability, Association Liability and Professional Indemnity exposures.

Management Liability 2016-17.pdf

Professional Indemnity 2016-17.pdf

Association Liability 2016-17.pdf