Association Liability Insurance NZ — NFP / Industry Body / Club Cover
Association liability — NZ commercial liability cover
Association liability covers the boards of incorporated societies, NFPs, industry bodies, sports clubs and body corporates. Structure mirrors management liability but with NFP-specific exclusions (member-vs-member disputes, volunteer-status).
Blanket panel — wording on file
Six NZ commercial insurers sit on the Blanket panel. The table below shows the wording version we have on file for each one, with its tier (A = current ≤ 12 months, B = stale 12–24 months, C = third-party mirror, D = historical). Empty rows mean we don't have a current wording on file — request the latest from the insurer via Blanket Advice Limited (FSP1004126).
| Insurer | Wording on file | Effective | Tier | Source |
|---|---|---|---|---|
| Delta Insurance | Delta Associations Liability | 2023-08-01 | D | |
| NZI | Not on file | — | — | Request via Blanket Advice Limited |
| QBE | QBE Combined Association Liability | 2015-12-14 | D | |
| AIG | Not on file | — | — | Request via Blanket Advice Limited |
| Zurich | Not on file | — | — | Request via Blanket Advice Limited |
| Vero | Not on file | — | — | Request via Blanket Advice Limited |
Off-panel — market comparator
These insurers are not on the Blanket panel — Blanket Advice Limited cannot place cover with them. Shown for wording comparison context only.
| Insurer (off-panel) | Wording | Effective | Tier | Source |
|---|---|---|---|---|
| Dual New Zealand | Dual Association Liability | 2018-08-01 | D |
What to look for in the wording
limit of indemnity optionsmodules includedvolunteer definitionmember vs member exclusionemployment practices extensiondefence costs in or outside limitkey exclusions