Cii Group

General Liability

Provides protection against legal liability claims in respect of unexpected and unintended personal injury or property damage arising out of the insureds business activities.

is designed to protect businesses if their activities or products cause damage or injury to others for which they are or may become legally liable to pay. In addition to meeting court judgements or out of court settlements under the policy, the legal costs and expenses of investigating and defending these claims are also covered.

Statutory Liability

Provides protection in respect of fines and penalties imposed on the insured which are insurable at Law

– is designed to protect businesses from fines, penalties and reparations imposed by the Courts for unintentional breaches of most Acts of Parliament including:

 In addition to meeting court judgements or out of court settlements under the policy, the legal costs and expenses of investigating and defending these claims are covered.

*excluding fines as required by law 

Employers Liability

Provides protection to employers for the costs of legal action and compensation from employees as a result of personal injury suffered in the workplace during the course of employment, which is not otherwise covered by ACC. As defined in the policy wording

is designed to protect businesses from personal injury claims against the business that are not covered by ACC (Injury Prevention Rehabilitation & Compensation Act 2001). In addition the meeting court judgements or out of court settlements under the policy, the legal costs and expenses of investigating and defending these claims are covered.

Claims that fall outside the province of the Injury Prevention Rehabilitation & Compensation Act 2001, and could therefore expose an employer to liability, include:

Professional Indemnity

Professional Indemnity Insurance is designed for professionals who provide advice or a service to their customers. If a mistake or omission occurs in the course of the Insured’s activities that results in a financial loss for their client then the policy provides cover for legal actions taken against the insured.