LegalEdge

Vero Liability offers LegalEdge insurance to small to medium-sized New Zealand businesses. This insurance provides protection against multiple liability risks, in a cost effective package.  The covers available are: Public and Products Liability, Employers Liability, Statutory Liability, Crime, Directors and Officers Liability, LawSafe at Work, Liability Consequential Loss, Third Party Internet Liability, Defence Costs, , Employment Disputes (optional) and Work Care (optional).

About

LegalEdge covers a range of exposures faced by small to medium-sized businesses:

• Public and Products Liability - Claims made for compensation in respect of unexpected or unintended personal injury or property damage arising from business activities.
• Employers Liability - Claims for damages made by employees in respect of personal injury sustained in the course of employment and not covered, to any extent, by ACC.
• Statutory Liability - The costs of defending prosecutions brought by regulatory authorities under various Acts of Parliament which may result in criminal conviction, together with cover for financial penalties and/or awards (apart from fines under the Health and Safety Act, which are uninsurable).
• Crime - Claims including those arising from the employee dishonesty and theft causing direct financial loss to the company.
• Directors and Officers Liability - Claims made against directors for Wrongful Acts committed whilst carrying out their duties associated with the governance of the company.
• LawSafe @ Work- Legal costs for an employee to defend proceedings against them which arise in the course of their employment.
• Liability Consequential Loss – for businesses carrying Public, Statutory or Employers’ liability insurance underwritten by Vero Liability - responds to financial losses suffered by a business resulting from a business interruption caused by a liability insurance claim.
• Third Party Internet Liability - Claims made for errors or omissions committed or omitted while using the internet for the purpose of the insured’s business.
• Defence Costs - “Ring fenced” defence costs cover where the cover under other sections of the policy are insufficient or become subject to a charge under Section 9 of the Law Reform Act 1936.
• Employment Disputes (Optional) - Claims made by employees alleging breaches of employment agreements, Privacy Act or Human Rights Act .
• Work Care (Optional) – Gives employers the ability to provide early reparation payments to employees (or their estate) in cases of certain workplace injuries or death. 

Who should consider this product?

Any small to medium-sized business.