Not every liability risk fits neatly into a box. Some need efficient, digital turnaround. Some require technical underwriting expertise. Some need both.
At DUAL New Zealand, our General Liability insurance proposition is structured across two clear pathways, offering brokers clarity when risks align with our underwriting appetite, and additional consideration pathways where they do not.
WebRater: built for speed and consistency
When a risk meets appetite, WebRater delivers:
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Top performing sectors include property owners, cafés and restaurants, accountants, store-based retail, trade services such as joiners and electricians, and architects and consulting engineers.
Specialty: when the risk requires more
Not every risk falls within automated parameters. Our specialty pathway supports:
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Our New Zealand underwriters review risks individually, applying technical expertise and commercial judgement to develop considered solutions within our underwriting framework.
We’ve supported brokers with:
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When to use each
If the risk is:
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The pathway is:
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Whether the risk fits WebRater or requires specialty review, our team is here to help.
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Any product information discussed in this blog is subject to the terms and conditions of the policy, eligibility criteria, any additional premium for optional cover, limitations and exclusions.
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The information contained in this blog is intended for licensed insurance brokers and other authorised intermediaries only. DUAL issues insurances on behalf of Certain Underwriters at Lloyd’s of London and/or HDI Global Specialty, acting as their agent. The information is of a general nature and does not take into account the objectives, financial situation or needs of any person. It is intended for the use of professional intermediaries who are expected to consider whether it is appropriate for their clients. Before recommending or offering any insurance product, intermediaries should read the policy wording and assess whether the product is suitable for their client’s circumstances. These are available on request or via our website at DUAL New Zealand.