Employers Liability Insurance
Cover for workplace accidents, stress and more.
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What is Employers Liability Insurance?
Employers Liability insurance protects you against settlements or damages, including defence costs, as a result of an employee suffering bodily injury arising out of their employment (not covered by the ACC).
You probably do everything you can to keep your employees safe. But workplace accidents can still happen, despite our best efforts. That’s why you might want cover for employee injuries, on-the-job stress, and other events that could leave your staff unable to work.
What does Employers Liability insurance cover?
Workplace Personal Injury
Settlement or damages arising from claims for personal injury to employees in the course of employment (not covered by the ACC)
Legal and Defence
The legal and defence costs associated with a claim.
Some examples of injuries not covered by your policy, but may be covered under ACC, for certain claims relating to the workplace:
- Sprains and strains – ankle, back, knee, shoulder etc
- Wounds – cuts, broken or bruised skin
- Fractures and dislocations
- Burns
- Concussion or loss of consciousness
- Hearing loss
- Dental injuries
- Gradual conditions – caused by work tasks or workplace environment
- Physical injuries – caused by an accident or sexual violence.
Why might you need Employers Liability insurance?
Business insurance isn’t mandatory in NZ for most businesses, but you may need an Employers Liability policy to do things like:
Work with specific clients
Pay employee compensation
Pay legal costs if you face a liability claim
Get your Employers Liability insurance sorted quicker than your morning coffee.
Get your Public Liability insurance sorted quicker than a smoko break.
14000+ NZ
small businesses covered
If you don’t see your industry or occupation mentioned above, it doesn’t mean Employers Liability isn’t suited for your business.
It only takes few minutes to find insurance that fits your business needs.
How much does Employers Liability insurance cost?
Employers Liability insurance costs $7.85 per month* on average, for BizCover NZ customers – but every business is unique.
The cost of a policy can vary based on how many employees you have, risks, insurance requirements and other factors.
The costs are real, get that new policy feel
$7.85/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from 3 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Pick from 3 levels of Employers Liability cover
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Employee Liability
$7.85/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on FY24 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Flexible Cover
Pick from 3 levels of Employers Liability cover
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it Works
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Flexi Payment Options
Pay monthly or annually, cancel at any time.
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Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Frequently asked questions
Confused about Employers Liability insurance? We have answered the most common questions we get here.
If you still have questions, you can reach one of our friendly business insurance experts – – go here for our Contact Us details.
Employers Liability insurance protects you against claims that are a result of an employee suffering bodily injury arising out of their employment, where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries).
Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.
It is always wise to check with your industry body or government as to what legislations may be mandatory in your field of business.
Every business is different with its own risks, factors and features. The most accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a quote.
A quote will be able to take your business’ individual factors into consideration and provide an estimate cost of the policy. Get a quote for your Employers Liability insurance policy with BizCover today.
As a small business owner, you have a responsibility to ensure your workplace is safe for your employees. There are a few simple things that you can do to help make sure that you are protecting your employers in their working environment.
- Conduct regular assessments of your workplace, including things like machinery
- Make sure your employees receive regular training across a variety of key topics like occupational health and safety
- If relevant, for those in physical roles that involve lifting and moving items, make sure that they are doing so correctly and safely to avoid any injuries from occurring
- Keep track of your employees and their workplace wellbeing with things like identifying their current work process, desk set-ups etc
- If an injury does occur, help get your employee back on track faster by providing return-to-work assessments and ways to ease them back into the role, limiting the risk of further injury occurring.
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Efficient and great price
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It is very straight forward and easy to understand and you can choose whatever you need for your business.
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Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
