Statutory Liability

Scania

Statutory Liability

These policies are built into the Comprehensive Public Liability Package offered by us.
 
In short, the policies are two fold; Statutory Liability policies provides cover for defence costs and fines for innocent breaches of many statutory Acts such as :
  • Health & Safety in Employment Act (excluding the fines, due to the change in the 2003 Act)
  • Building Act
  • Resource Management Act
  • Fair Trading Act
  • Privacy Act

On the other hand, Employers Liability policies covers the business for claims made against it from employees for personal injury claims arising in the workplace that falls outside the scope of ACC including defence costs. The claims that could fall outside the scope of ACC tend to be gradual process claims such as a disease or infection caused by passive smoking.

The following is examples of claims that could arise in respect to both policies:

  • Innocent breach of the Health & Safety in Employment Act (1992)
  • Environmental Pollution following breach of the Resource Management Act
  • Mental anguish, perhaps witnessing a death or serious harm injury of a fellow employee
  • Food poisoning
  • Personal injury caused by passive smoking or air conditioning systems
  • Heart attack or stock caused by stress
  • Nervous shock or fright
  • Stress and/or fatigue
  • Innocent breach of a building consent

All businesses and contractors are exposed to liability claims arising out of an alleged breach of common law statutory Acts so buying these policies in conjunction with the Comprehensive Public Liability policy makes sense.