business Liability insurance - legal protection

Kiwi business is the lifeblood of our nation, and if you're in business, whether big and nationwide or small and local, you can protect yourself from any legal liability risks you face with liability insurance. Legal costs are a real risk and have great potential to cause you unnecessary hardship or in the worst case scenario, bring your business down entirely. With a liability insurance package from Spratt Financial Group, we can protect you from that risk.

Liability Insurance will generally cover you from the costs legislated against you by the courts, as well as legal costs associated with defending yourself in court. There are a number of liability insurance options, so don't hesitate to get in contact for a free review of your specific circumstances and we can decide together what's right for you.

broad liability insurance

Broad Liability cover is the most comprehensive type of liability insurance available. With broad liability insurance in place, you will be protected from accidental injury caused to a third party, as well as any damage done to their property. You will also be covered for judgements rendered against you by a court of law, all of your legal costs and expenses and out of court settlements, including any legal investigation and defense costs. This is the best option for you to make sure all of your legal bases are covered.

statutory liability insurance

Statutory liability cover is a slightly less comprehensive form of liability insurance that will protect you from fines, court judgements and unintentional breaches of laws. It will also cover your legal costs as outlined above. However, a statutory liability insurance policy will not protect against things such as accidental injury to a third party of their possessions, for which you will need a broadform policy. Statutory liability insurance could be the right option for you if you’re looking for some legal protection that is more cost effective and limited in scope.

Employers liability insurance

Employers liability cover is a highly recommended and useful form of insurance if you own a business that has employees. If any of your employees are injured in a workplace accident or bring a case against you in a court, this policy will help pay your legal defense fees where it is not covered by the ACC.

your business covered - secure and affordable

If you require any one, or a combination of these liability insurances, Spratt Financial Group can secure a liability insurance package for you that will fit your needs at the most competitive price. We also offer you unmatched support including a support staff on hand for any form of assistance you need, as well as claims management during your most stressful times. Don't hesitate to contact us below for a free, no obligation quote anytime. We'd be proud to go to work for you and give you the secure protection that you deserve.