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Criminal defence expenses insurance provides cover for costs incurred in legal disputes brought against you, company officers and employers. When your business has been made the subject of criminal proceedings, the last thing you need to be worrying about is funding your legal representation
Legal expenses cover is usually offered as an extension to other general or business public liability insurance.
Legal expenses insurance is available to anyone who wishes to protect themselves against the costs of defending unexpected legal actions.
This insurance covers your legal defence for criminal proceedings in the District Court or High Court under specific Acts of Parliament:
Win or lose, the cost of defending liability claims can have a major impact on your business. Our brokers work with you to find the right insurance solution to protect you and your business, if you were to face legal action.
An event organiser had been running an annual cycle race for five years. Each year she liaised with the council as regards which roads would be closed to local traffic and which roads would have to remain open. She then provided a written brief to all competitors telling them which roads were open to traffic and thus where they should take extra caution.
An alleged ambiguity in the written brief led to a fatal accident, when one of the cyclists moved out of lane and hit oncoming traffic. The event organiser was tried for criminal nuisance. She was eventually acquitted but not without running up substantial legal costs.
Public and product liability insurance minimises the financial impact on a business should the unexpected happen
Product liability insurance protects against claims of personal injury or property damage caused by a business
Directors and officers insurance protects your executives and board from personal financial risk
Statutory liability insurance can protect businesses against certain unintentional breaches of New Zealand law
An employers liability policy protects employers against claims brought by their employees who have sustained an injury where the ACC does not provide cover
Employment disputes insurance protects employers against personal grievance claims brought by past or present employees
Crime and fidelity insurance protect organisations from losses which could arise from dishonest or fraudulent acts committed by employees
Professional indemnity insurance is designed for professionals who provide advice
Trustees liability insurance protects trustees from personal liability while carrying out duties performed for the trust