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The Insurance Collective
Liability

Employers Liability Insurance

Covers claims from employees for work-related harm that falls outside the ACC scheme.

Request a quote 027 545 0908
Overview

New Zealand's ACC scheme handles most workplace injury, but it doesn't cover everything - and gaps can leave an employer exposed to a claim from a staff member. Employers liability insurance covers your legal liability for work-related harm to employees that falls outside ACC, including the legal costs of defending such a claim.

Employers Liability Insurance
What it can cover

Employers Liability Insurance- what's included

  • Legal liability for employee harm outside the ACC scheme
  • Defence costs for employee claims
  • Work-related conditions not covered by ACC
  • Cover that sits alongside your statutory and management liability

Who it's for

Employers who want to close the gap ACC leaves and protect the business against work-related claims from staff.

Why us

Why arrange it through The Insurance Collective

Genuinely local

Hawke's Bay brokers who know the region and can meet in person.

An advocate at claim time

We negotiate the wording and fight for a fair outcome when it counts.

National buying power

Insurance Advisernet membership means access to every major insurer.

Ryan & Ashley
Ryan & AshleyDirectors, The Insurance Collective

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us, or one of our other brokers who already knows your cover. That's the whole point of doing this properly.”

Ryan & Ashley

Call the team on 027 545 0908

Frequently asked questions

Doesn't ACC cover all workplace injuries?
ACC covers most personal injury from accidents, but there are gaps - certain work-related conditions and claims can fall outside it, leaving the employer exposed. Employers liability covers that residual legal liability and the cost of defending a claim.
Do you charge for a quote?
No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.
How much will it cost?
It depends on your specific situation, so the fastest way to a real number is to request a quote or give us a call - we'll tailor it to you and explain the trade-offs.
How quickly can you arrange cover?
For straightforward cover we can often sort it the same day. More complex programmes take a little longer, but we'll keep things moving and keep you in the loop.
What areas do you cover?
We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.
What happens if I need to claim?
You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Related cover

All solutions

Ready when you are

Get a quote for employers liability insurance

Tell us a little about your situation and we'll come back with a personalised quote and straight-talking advice.

Request a quote027 545 0908

or Contact us

  • Free & no obligation
  • Insurance Advisernet member