Coverage for employers for specific workplace-related claims not covered by the Accident Compensation Corporation (ACC). It typically includes:
- Employee Injuries: Legal costs and damages for workplace injuries or illnesses where ACC does not fully apply, such as claims for exemplary damages (e.g., pain and suffering) in rare cases.
- Work-Related Diseases: Liabilities arising from gradual onset conditions, like occupational diseases, not covered by ACC, such as certain chemical exposures.
- Legal Defence Costs: Expenses for defending claims or lawsuits brought by employees or their representatives for workplace incidents.
- Third-Party Claims: Liabilities if an employee’s injury leads to a claim from a third party, such as a subcontractor or client, not covered by ACC.
This insurance complements ACC, addressing gaps where employers may face legal or financial exposure.
Subject to variations in insurers wording, exclusions and case specific endorsements.
