Employers Liability Insurance

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What is Employers Liability Insurance*?

Being a good boss is all about ensuring your employees are safe during their shift so they can go back home at the end of the day. But despite your best-laid plans making your workplace safe and secure, accidents and undesirable challenges can still happen.

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.

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.

Examples of some of the kind of injuries the ACC may cover

The ACC provides cover for certain claims relating to the workplace. To get an idea these are some examples:
A physical injury is when there is actual damage to your body. This includes:

  • sprains or strains – such as the ankle, back, knee or shoulder sprains
  • wounds – cut, broken or bruised skin
  • burns
  • fractures
  • dislocations
  • dental injuries
  • hearing loss
  • concussion and loss of consciousness.

The ACC may also cover most physical injuries if they’re caused by:

  • an accident
  • sexual violence

They can cover injuries or conditions that happen over time and are caused by the type of work you do. This is known as gradual process conditions. The ACC will need to establish if your work tasks or workplace environment are causing your condition.

Examples of some of the injuries that are not covered by the ACC

When injuries are not caused by an accident, the ACC will typically not provide cover for:

  • illness, sickness, or contagious diseases, eg measles
  • stress, hurt feelings or other emotional issues. This is unless they’re linked to an injury we already cover
  • conditions related to ageing, eg arthritis
  • most hernias
  • injuries that happen over time, unless an activity at work is causing it
  • damage to items that don’t replace body parts. This includes hearing aids, glasses, pacemakers and gastric bands.

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.

Creating a safe workplace

As a small business owner, you have a responsibility to ensure your workplace is safe for your employees. There are a few simple things that you can do to help make sure that you are protecting your employers in their working environment.

  • Conduct regular assessments of your workplace, including things like machinery
  • Make sure your employees receive regular training across a variety of key topics like occupational health and safety
  • If relevant, for those in physical roles that involve lifting and moving items, make sure that they are doing so correctly and safely to avoid any injuries from occurring
  • Keep track of your employees and their workplace wellbeing with things like identifying their current work process, desk set-ups etc
  • If an injury does occur, help get your employee back on track faster by providing return-to-work assessments and ways to ease them back into the role, limiting the risk of further injury occurring.

Insurance for Shop Owners

Some popular insurance options for New Zealand shop owners 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

Protect your business today.


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.

Why choose BizCover for Employers Liability Insurance?

At BizCover, our task is to make insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your Employers Liability insurance.

New Zealand’s number one online insurance company

We take pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer. You get the results you need within a couple of minutes without the need of filling in endless complex forms.

Built for small business

At BizCover we know what insurance employers need. We also know makes small businesses tick. It’s a match made in heaven!

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

How do I make a claim on my insurance policy?

Are you an employer that needs to make a claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to claims@bizcover.co.nz. We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

* * 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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