Liability Insurance

Liability insurance protects individuals and businesses from financial losses resulting from legal claims or lawsuits. It provides coverage for the costs associated with legal defence, settlements, and judgments that may arise if the insured party is found legally responsible for causing harm or damage to another person or their property.

Liability insurance is crucial for businesses, as it shields them from the financial burden of legal claims that could otherwise jeopardise their operations or assets.

This form of cover not only provides financial protection but also offers peace of mind to individuals and businesses, allowing them to focus on their core activities without the constant worry of potential legal liabilities. Our solutions put customers in touch with experts to guide them through any potential claim.

Policies can be tailored to specific industries or professions, ensuring that the coverage meets the unique needs and risks of each insured party.

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This policy at a glance

Product:
Professional Indemnity, Public Liability, Statutory Liability and Employers Liability

Underwriter:
Certain Underwriters at Lloyd’s of London – lead syndicate MS Amlin

Target Market:
Commercial entities

Policy Term:
Annual

Why choose Hummi for Liability Insurance

Professional indemnity insurance protects New Zealand businesses from the financial fallout of claims alleging professional mistakes, negligence, or breaches of duty.

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Your reputation is your most valuable asset. Professional indemnity insurance helps safeguard it by covering legal defence costs and settlement expenses.

Professional indemnity insurance provides certainty in an uncertain world—so you can concentrate on growth, not risk

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Liability Insurance Coverage Summary

Smart organisations don't leave home without Hummi onboard.

What's covered?

Legal liability arising out of professional mistakes, negligence or breach of duty
Defence costs provided in addition to the policy limilt
Cover for investigations by regulators or industry bodies

Underwriting approach

Broad appetite for most professions
Comprehensive policy wording with few exclusions
Costs exclusive excess as standard meaning legal costs are covered from the first dollar

Optional extras

Public Liability, Statutory Liability and Employers Liability policies are available to round out the liability protection

Key exclusions

The policy has very few exclusions, some may be added during the underwriting process