Employers Liability Insurance NZ

What is Employers Liability Insurance?

Employers liability insurance protects your business against claims made by employees that fall outside the scope of ACC (Accident Compensation Corporation) cover. While ACC provides no-fault cover for workplace injuries in New Zealand, there are many situations where an employee can make a claim against their employer for damages.

This insurance is essential for all New Zealand employers, as even with excellent health and safety practices, claims can arise from allegations of negligence, inadequate safety measures, or failure to provide a safe working environment.

What Does It Cover?

• Employee injury claims not covered by ACC
• Psychological injuries and mental harm
• Harassment and bullying claims
• Wrongful dismissal and discrimination
• Failure to provide a safe workplace
• Legal defence costs
• Settlement and compensation costs

Who Needs Employers Liability?

Employers liability insurance is essential for all New Zealand businesses that employ staff:

• • All businesses with employees
• • Contractors and sub-contractors
• • Volunteer organisations
• • Seasonal employers
• • Any business with contractors or casual workers

Typical Costs

Employers liability insurance costs vary based on your industry, number of employees, and risk profile. Typical costs start from:

• • Small business (1-5 employees): From $1,000/year
• • Medium business (6-20 employees): From $2,000/year
• • Larger business (20+ employees): From $4,000/year
• • High-risk industries: From $2,500/year