General Liability insurance
As New Zealand's leading underwriting agency in liability insurance, DUAL's General Liability policy provides cover for legal liability arising from third party personal injury, property damage and advertising liability claims. It includes cover for the costs of defending these claims in court, plus any settlements or damages that might be awarded against the insured.
550+
occupations available
$30m
capacity
1 hour
free legal advice with panel counsel
Risk appetite
Preferred risks:
- Professional services
- Information technology
- Allied health
- Accommodation
- Hospitality
- Architects and engineers
- Education
- Charities/not-for-profit organisations
- Sport and recreation
- Retail
- Road transport, storage & freight forwarding
- Trade services
- Food and beverage
Declined risks:
- Agriculture / fishing / farming
- Mining
- Amusement parks / tourism
- Pharmaceuticals
- Occupations involved with asbestos, methamphetamine affected properties or tobacco
- Aviation
- Railways
- Wholesale / retail of trade products
- Medical and hospitals
- Utility providers
- Manufacturing work on watercraft over 10 metres
Environmental Impairment Liability (EIL) Extension
Environmental exposures can arise from everyday business activities, even where environmental risk is not a core part of an organisation's operations. The Environmental Impairment Liability (EIL) Extension is designed to complement General Liability cover by providing protection for certain pollution-related liabilities arising from covered pollution incidents.
Capacity
Up to $250,000 is available as standard for eligible risks. For target industries and well-managed risks demonstrating strong environmental and risk management practices, limits of up to $1,000,000 may be available following consideration of the insured's risk profile, environmental exposures and applicable underwriting criteria. |
Target Market
Available as an extension to eligible General Liability policies and aligned with DUAL's General Liability appetite. |
.jpg?width=2000&name=GettyImages-2173676600%20(1).jpg)
Why Consider the EIL Extension?
-
Enhances General Liability cover by providing protection for certain pollution-related liabilities that may not otherwise be covered under a standard General Liability policy.
-
Responds to covered third-party bodily injury, property damage and clean-up cost exposures arising from pollution incidents.
-
Provides an alternative to a standalone environmental liability policy for businesses with incidental environmental exposures.
-
Particularly relevant for contractors, manufacturers, transport operators, property owners and service providers whose activities may create environmental liabilities.
-
May assist businesses seeking environmental liability protection where environmental obligations arise under contracts or tender requirements.
Key Benefits
-
Environmental liabilities are no longer confined to traditionally high-risk industries.
-
Pollution incidents can arise from routine operations and may result in significant financial and reputational consequences.
-
The EIL Extension provides an accessible way for eligible businesses to strengthen their General Liability programme with additional protection for environmental exposures, without the complexity typically associated with standalone environmental insurance solutions.
How to get a quote
WebRater
Instant quotations and bindings are available through the WebRater for limits up to $5m and insureds with up to $10m revenue.
Liability team
Our dedicated Liability Underwriting team is available to offer you customised solutions to meet your client’s needs.