All cover · Combined liability package
Delta Insurance vs qbe — Combined liability package
Most NZ commercial insurers offer a combined liability package (NZI LiabilityOne, Delta GEL Package, Vero Combined Broadform). A single schedule, three coverage sections — but the limits and exclusions on each module aren't identical to the standalone equivalents.
Delta Insurance
Delta Insurance New Zealand Limited
Wording on file: Delta General + Employers + Statutory Liability
Effective: 2025-03-01
Tier B (stale) FCIB panel
qbe
—
Not on file — request latest wording from qbe via FCIB.
Side-by-side fact comparison
Each row is a fact-key from the Combined liability package wording. "Not on file" means either the wording doesn't address that fact, or Phase C structured-facts extraction hasn't been run yet on this insurer's wording.
| Fact | Delta Insurance | qbe |
|---|---|---|
| modules included | [ "General Liability Coverage Section", "Employers Liability Coverage Section", "Statutory Liability Coverage Section" ] | Not on file |
| limit of indemnity per module | Not on file | Not on file |
| aggregate or separate limits | Not on file | Not on file |
| key exclusions | [ "5.1 Aircraft and Watercraft", "5.2 Aircraft Parts", "5.3 Asbestos", "5.4 Assault and Battery", "5.5 Contractual Liability (except as stated)", "5.6 Damage to Insured's Products", "5.7 Defamation", "5.8 Employer's Liability (from General Liability section)", "5.9 Expected or Intended", "5.10 Faulty Workmanship", "5.11 Fines and Penalties", "5.12 Information Technology Hazards", "5.13 Legal Jurisdiction", "5.14 Loss of Use", "5.15 Pollution", "5.16 Professional Advice", "5.17 Property in the Insured's Care, Custody or Control", "5.18 Recall of Products", "5.19 Territorial Limits", "5.20 Vehicles", "Employers Liability 4.1 Asbestos", "Employers Liability 4.2 Defamation", "Employers Liability 4.3 Dishonesty and Fraud", "Employers Liability 4.4 Health and Safety in Employment Act", "Employers Liability 4.5 Intentional Torts", "Employers Liability 4.6 Jurisdictional Limits", "Employers Liability 4.7 Known Claims and Circumstances", "Employers Liability 4.8 Other Activities", "Employers Liability 4.9 Fines, Wages and Contractual Obligations", "Statutory Liability 4.1 Asbestos", "Statutory Liability 4.2 Commerce Act", "Statutory Liability 4.3 Compliance costs", "Statutory Liability 4.4 Continuing Fine", "Statutory Liability 4.5 Damages and Non-criminal Penalties", "Statutory Liability 4.6 Dishonesty and Fraud", "Statutory Liability 4.7 Excluded Acts (Arms Act 1983, Aviation Crimes Act 1972, Crimes Act 1961, Criminal Investigations (Bodily Samples) Act 1995, Misuse of Drugs Act 1975, Criminal Proceeds (Recovery) Act 2009, Summary Offences Act 1981, Land Transport Act 1998)", "Statutory Liability 4.8 Health and Safety at Work Act fines", "Statutory Liability 4.9 Intentional or Deliberate Disregard", "Statutory Liability 4.14 Reparation (except HSW Act)", "Statutory Liability 4.16 Taxes", "Statutory Liability 4.17 Resource Management Act", "General 3.1 Sanctions", "General 3.2 Terrorism", "General 3.3 War and Civil War", "General 3.4 Radioactive Contamination and Explosive Nuclear Assemblies" ] | Not on file |
| territory | anywhere in the world, except the United States of America, Canada and any possession or territory of either country. However, solely with respect to the activities of any Insured travelling executives or sales people, "Territorial Limits" shall include the United States of America, Canada and any possession or territory of either country. | Not on file |
| jurisdiction | New Zealand, Micronesia, Melanesia and Polynesia. | Not on file |
| rma handling | Excluded under Statutory Liability Section 4.17: 'for any Fine or infringement fee ordered to be paid by the Company and/or the Insured Persons following conviction under the Resource Management Act 1991.' | Not on file |
| hswa handling | Employers Liability excludes claims 'as a result of an Employee sustaining Personal Injury that arose out of the failure by the Insured to comply with any improvement, prohibition or suspension notice issued to the Insured or its Employees under the Health and Safety at Work Act 2015 or any amending or replacing legislation.' Statutory Liability excludes 'any fine or infringement fee (other than Reparation) ordered to be paid by the Company and/or the Insured Persons following conviction under the Health and Safety at Work Act 2015' but covers Orders for Reparation under the HSW Act. | Not on file |
| acc interaction | Employers Liability covers Personal Injury 'for which the Employee is not covered under the Injury Prevention, Rehabilitation, and Compensation Act 2001.' General Liability excludes 'Any obligation for which the Insured may be held liable under the Injury Prevention, Rehabilitation, and Compensation Act 2001, or any similar amending or replacement legislation.' Punitive or Exemplary Damages extension covers damages 'for Personal Injury (for which coverage is determined to exist under the Injury Prevention, Rehabilitation, and Compensation Act 2001 or any amending or replacing legislation).' | Not on file |
| aggregation basis | General Liability: 'The Underwriters' maximum liability in respect of any one Occurrence, irrespective of the number of claims arising therefrom, shall not exceed the Limit of Liability stated in Item 3A of the Schedule. All Personal Injury or Property Damage in respect of continuous or repeated exposure to substantially the same general conditions shall be construed as arising out of one Occurrence.' Products aggregate: 'The Underwriters' total aggregate liability during any one Policy Period for all claims arising out of the Insured's Products shall not exceed the Limit of Liability stated in Item 3A of the Schedule.' Statutory Liability: 'All Claims connected to a single Event shall be considered a single Claim for the purposes of the Policy.' General Terms: 'All Claims arising out of the same acts, errors or omissions; a series of related acts, errors or omissions; or the same matter or transaction, shall be considered a single Claim for the purposes of this Policy.' | Not on file |
| claims made trigger | the Insured first became aware of the Claim during the Policy Period; and the Claim is reported to the Underwriters in accordance with Section 5 of this Coverage Section; and the Event giving rise to the Claim occurred on or after the Retroactive Date. | Not on file |
| automatic extensions | [ "2.1 Business Advice or Service", "2.2 Care, Custody or Control", "2.3 Forest and Rural Fires Act", "2.4 Landlord's Liability", "2.5 Product Withdrawal Costs (80% of costs with prior approval)", "2.6 Punitive or Exemplary Damages", "2.7 Tenant's Liability", "2.8 Underground Services", "2.9 Vehicle and Watercraft Service/Repair", "2.10 Vibration and Removal of Support", "2.11 Visits to any Non-Territorial Country", "Employers Liability 2.1 Continuous Cover", "Employers Liability 2.2 Compensation for Attendance", "Statutory Liability 2.1 Compensation for Attendance" ] | Not on file |
| recall cost handling | Extension 2.5 Product Withdrawal Costs: 'the Underwriters will indemnify the Insured for 80% of those costs incurred with the prior approval of the Underwriters in the withdrawal or recall from use in New Zealand of the Insured's Products that have the same defect as other Insured's Products that have already given rise to a claim in respect of which the Insured is entitled to indemnity under this Coverage Section,' subject to Product Withdrawal Costs Sublimit of Liability and applicable Excess. Exclusion 5.18 otherwise excludes recall of products. | Not on file |
| gradual process handling | Employers Liability covers Personal Injury defined as 'bodily injury, sickness, disease or infection, including death resulting therefrom, and shall include disability, shock, fright, mental anguish or mental injury if arising therefrom' arising out of and in the course of employment, subject to claims-made trigger and retroactive date. | Not on file |
| fines insurable acts list | [ "Forest and Rural Fires Act 1977", "Health and Safety at Work Act 2015 (Order for Reparation only)", "Any Act of the New Zealand Parliament (subject to exclusions)" ] | Not on file |
| reparation orders covered | "Order for Reparation under the HSW Act" means an order for reparation imposed by the Court on sentencing following conviction of an Insured for an offence under the Health and Safety at Work Act 2015. Exclusion 4.14 states: 'for any monetary amount ordered to be paid by the Insured by way of an order for reparation imposed by a Court following conviction under any Act of Parliament, except an Order for Reparation under the HSW Act.' | Not on file |
| retroactive date handling | The Retroactive Date means the date set forth in Item 6 of the Schedule. Employers Liability: 'the Personal Injury arose out of an event, circumstance or accident that occurred on or after the Retroactive Date and before the expiry of the Policy Period.' Statutory Liability: 'the Event giving rise to the Claim occurred on or after the Retroactive Date.' Exclusion 4.15 excludes claims 'that arose directly or indirectly out of any event, circumstances or accident that occurred prior to the Retroactive Date.' | Not on file |
| products liability bundled | Products liability is included within the General Liability Coverage Section. The Insured's Products are defined and covered under Section 1.1 for Personal Injury or Property Damage caused by an Occurrence in connection with the Insured's Business. | Not on file |
| dishonesty exclusion carve out | Statutory Liability Exclusion 4.6: 'this exclusion shall not apply to any Insured who has not committed or condoned the dishonest, fraudulent, criminal or malicious act or omission.' | Not on file |
| contractual liability extension | Exclusion 5.5 excludes contractual liability except: (a) those written contracts designated in the Schedule; (b) liability assumed under a warranty of fitness or quality in respect of the Insured's Products (subject to Exclusions 5.10 and 5.14(a)); or (c) liability assumed under any lease or hire of real or personal property. | Not on file |
| occurrence basis vs claims made | mixed | Not on file |
| defence costs in or outside limit | mixed | Not on file |
| products liability specific exclusions | [ "5.2 Aircraft Parts: Personal Injury or Property Damage directly or indirectly arising out of the Insured's Products that are used with the Insured's knowledge in any Aircraft or any aerial device.", "5.6 Damage to Insured's Products: Property Damage to the Insured's Products if such damage is attributable to any defect therein or the harmful nature or unsuitability thereof.", "5.14(b) Loss of Use: failure of the Insured's Products to meet the level of performance, quality, fitness or durability expressly or impliedly warranted or represented by the Insured (with carve-out for sudden and accidental physical damage after Products put to use).", "5.18 Recall of Products: Damages, costs or refunds claimed for the recall, withdrawal, removal, inspection, repair, modification, replacement or loss of use of the Insured's Products.", "5.19(b) Territorial Limits: Personal Injury or Property Damage caused by or arising out of the Insured's Products that have been knowingly exported by the Insured or their agents to any Non-Territorial Country." ] | Not on file |