Exposure

Insurance Covers

1

Boiler Explosion

Damage  to registered boilers by explosion, overheating etc.

2

Bonds

Performance guarantees (an alternative to bank guarantees)

3

Business Interruption

Loss of trading income and increased expenses due to
damage to fixed assets

4

Computer

Accidental, Mechanical and Electrical breakdown of computers
& associated equipment, including consequential loss of income

5

Contract Works

Loss or damage to building projects during construction

6

Credit

Loss following insolvency of your debtors

7

Fidelity Guarantee

Losses due to dishonesty of your employees.

8

General Property

Loss and/or damage to laptops and other portable equipment whilst
away from the insured premises

9

Goods In Transit

Damage to Goods in Transit, both overseas and local

10

Home and Contents

Damage to residential property, including coverage for personal
valuables and legal liability.

11

Material Damage

Damage to fixed assets

12

Intellectual Property

Legal expenses incurred to defend patent, trademark, copyright, etc

13

Legal Expenses

Costs incurred to take or defend nominated types of legal action

14

Machinery Breakdown

Repair costs incurred following breakdown of plant & equipment,
including Business Interruption

15

Marine Hull

Damage to ships/boats and related equipment

16

Marine Pleasure Craft

Damage to pleasure craft whilst in or on the water, including whilst
in transit

17

Motor

Loss or Damage to the full range of registered vehicles

18

Rural

Combined policy for the full range of rural and domestic insurances,
such as home & contents, farm property, legal liability, tractors etc

19

Travel

Combined policy for Medical, Hospital, Baggage, and Cancellation etc
for individual or corporate travels in New Zealand or worldwide.

Exposure

Insurance Covers

1

Defamation

Damages following libel or slander

2

Directors & Officer’s / Company Reimbursement

Indemnity following a ‘wrongful act’ committed by the directors or
officers or a company

3

Employment Practices Liability

Defamation, sexual harassment, discrimination, libel
or employees

4

Marine Liability

Bodily injury/property damage arising from:

1. operation of vessels
2. carriers activities
3. ship-repair and general marine activities

5

Motor – Third Party Property Damage

Property damage arising from registered vehicles

6

Products Liability

Bodily injury/property damage arising from products
manufactured, imported or sold

7

Product Tamper / Recall

Expenses following product tampering or recall

8

Professional Indemnity

Breach of duty arising from the professional activities of the
insured. Do you give advice ?

9

Public Liability

Bodily injury/property damage arising out of the insured’s
business activities

10

Trustees Liability

Damages following ,mismanagement of superannuation funds
by trustee

Exposure

Insurance Covers

1

Income Protection

Reimbursement of lost income due to sickness / accident

2

Term Life

Protection for family and assets in the event of premature death

3

Medical Insurance

Provides cover for reimbursement of cost of medical expenses

4

Trauma

Provides financial security in the event of critical illness (e.g. cancer, stroke, heart attack)