Professionals

Directors & Officers may be personally liable for breaches of duty, misrepresentation, or mismanagement. Claims can come from shareholders, creditors, regulators, or other third parties. D&O liability covers defence costs, investigation expenses, and any settlements or court-awarded damages.

Provides protection for business assets against accidental loss or damage at your insured.

Triggered by a Material Damage claim, this policy protects the business against financial loss from business interruption, aiming to restore you to the same financial position as before the loss.

Covers claims for third-party property damage or personal injury arising from your business activities. The key trigger is third-party damage.

Covers unintentional breaches of key laws, including the Fair Trading, Consumer Guarantees, and Privacy Acts (excluding criminal or tax matters). Includes defence costs and, in most cases, fines or penalties, except under the Health & Safety in Employment Act or the Resource Management Act.