Employers Liability Insurance

Employers Liability Insurance

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What is Employers Liability Insurance*?

You may take all the right measures to ensure that your working environment is safe and secure, but the reality is, accidents and undesirable challenges can still happen, especially when we least expect them.

Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering bodily injury arising out of their employment (where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries).

Do I Need Employers Liability Insurance?

Employers Liability insurance (sometimes referred to as EL) protects your business, as an employer, against claims that may arise from your employees. A claim may be for things like suffering an injury whilst performing their duties on the job, where the Accident Compensation Commission (ACC) does not provide cover.

The risk of not having Employers Liability insurance, may threaten your financial position, requiring the funds to pay the compensation for a claim, and not to mention the legal costs which are also involved with the process.

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Why choose BizCover for Employers Liability Insurance?

Multiple quotes in just 2 minutes: we give you choice by providing you quotes from New Zealand’s Leading Insurers.

No forms to fill in: our process is very convenient and efficient. You get results without the need of filling in endless complex forms.

Buy online: Unlike other providers, with BizCover you can compare and buy online any time, day or night, no need to wait for someone to call you back.

Insurance for Shop Owners

Options to look into include:

Public Liability*

Public Liability Insurance*

Some popular insurance options for New Zealand shop owners include:

Whether you make the best pies in town, sell the snazziest suits, or put together beautiful floral arrangements, if you’re a shop owner then there’s always the potential for things to go wrong, resulting in a claim. Of course, all small businesses have their own inherent risks. Customers, suppliers, contractors and members of the public may all pass through a shop daily. Because of this high level of physical interaction with many people, many shop owners choose to take out Public Liability insurance to protect themselves from financial harm should the worst happen.

Shops can be chock-full of hazards, including displays for people to trip over, steps to stumble on, fixtures with exposed edges waiting to scratch, poorly balanced stock that could fall and bump someone, or even slippery floors that could cause someone to take a nasty spill. Would you be able to cover the costs of an ensuing legal claim? Or would those legal costs have the potential to bankrupt your business, forcing you to close your doors?

Claims can arise from the daily operations of your retail business and that’s where Public Liability insurance comes into play. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured (and not covered by the Accident Compensation Commission (ACC)) or sustaining property damage as a result of your negligent business activities.

What is covered?

  • Costs of settlement or damages arising from claims for personal injury to employees in the course of employment
  • Legal costs incurred as a result of defending these claims
  • Claims not covered by the ACC

Claims examples

  • Occupational stress and mental injury
  • Nervous shock or fright
  • Heart attack or stroke caused by stress
  • Disease arising from circumstances where the employer has failed to provide a safe workplace

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What is difference between Employers Liability and Public Liability Insurance?

Employers Liability insurance protects you against claims that are a result of an employee suffering bodily injury arising out of their employment (where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries).

Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.

Is Employers Liability Insurance mandatory?

It is always wise to check with your industry body or government as to what legislations may be mandatory in your field of business.

How much does Employers Liability Insurance Cost?

Every business is different with it’s own risks, factors and features. The most accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a quote.

A quote will be able to take your business’ individual factors into consideration and provide an estimate cost of the policy. Get a quote for your Employers Liability insurance policy with BizCover today.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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