Delta Insurance vs Vero — 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

Source PDF →

Vero

Vero Insurance New Zealand Limited

Wording on file: Vero Combined Broadform / Employers / Statutory Liability
Effective: 2024-07-01
Tier B (stale) Off-panel

Source PDF →

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	Vero
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" ]	[ "Communicable disease", "Computer systems", "Confiscation", "Data", "Radioactivity", "Terrorism", "Unlawful to insure", "War", "Aerial device products", "Asbestos", "Building defects and mould", "Defective work", "Employees and Accident Compensation Act", "Fines and penalties", "Fraudulent or criminal intent", "Intentional or reckless acts", "Liability under agreement", "Loss of use", "Pollutants", "Product repair or replacement", "Professional duty", "Property in care, custody or control", "Underground services", "Vehicles", "Vibration or weakening of support", "Watercraft and aircraft", "Accident Compensation Act cover (Employers Liability)", "Deliberate or wilful non-compliance (Employers Liability)", "Employment contract (Employers Liability)", "HSE notices (Employers Liability)", "Prior claims and known circumstances (Employers Liability)", "Prior injury (Employers Liability)", "Third party exclusion (Employers Liability)" ]
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.	happening within the geographical limits during the period of insurance
jurisdiction	New Zealand, Micronesia, Melanesia and Polynesia.	This insurance will not apply to any judgement delivered by a court outside New Zealand (or any judgement, registration or order obtained in New Zealand to enforce that same judgement) where the persons insured are represented in a country outside New Zealand by or through any: (a) branch; (b) trading division; (c) subsidiary; (d) associated company or companies; or (e) employee or company holding a power of attorney on behalf of any of the persons insured.
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.	The reparation automatic extension explicitly excludes reparation arising from prosecution of an offence under the Health and Safety at Work Act 2015. Employers Liability exclusion 6 (HSE notices) excludes any claim arising directly or indirectly out of any failure by you to comply with any improvement, prohibition or suspension notice issued under the Health and Safety at Work Act 2015.
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).'	Broadform liability exclusion 5 excludes personal injury where the personal injury falls within the scope of cover provided by the Accident Compensation Act 2001 (or any replacement Act) and any subsequent amendments or any liability imposed by the provisions of any workers compensation legislation or any accident compensation legislation or any industrial award or agreement or determination, or would fall within the scope of cover but for a failure by the victim to correctly notify a claim to the Accident Compensation Corporation or the decision of any authority to decline a claim. Employers liability exclusion 1 excludes compensation for personal injury in respect of which the claimant is entitled to compensation to any extent under the Accident Compensation Act 2001, or would be so entitled had a claim been lodged under such Acts, or if you were not an exempt employer under such Acts.
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.'	one occurrence or series of occurrences as a result of or attributable to one source or original cause; any one period of insurance for all claims in respect of products; any one period of insurance for all claims in respect of releases of pollutants
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.	you first become aware of the claim during the period of insurance; and the claim is notified to us during the period of insurance or within 30 days after the end of the period of insurance; and the personal injury occurred on or after the retroactive date.
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" ]	[ "Business Advice or Service", "Compensation for court appearance", "Defamation", "Employees personal effects", "Exemplary damages", "Fire risk work away", "Goods on hook", "Indemnity to landlord", "Innkeeper's Act", "Landlord's liability", "Lost keys and access control devices", "Mechanical plant and machinery", "Motor and watercraft repair", "Product recall", "Property in care, custody or control", "Reparation", "Tenant's liability", "Vibration or weakening of support", "Advancement of defence costs (Employers Liability)", "Continuous cover (Employers Liability)" ]
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.	Automatic extension 14 (Product recall): We will contribute to those costs you are legally liable to pay for physically recalling or withdrawing products that have already given rise to a claim covered by the broadform liability section of this policy, if we agree that such recall or withdrawal is necessary to prevent similar claim arising. Our contribution will be limited to 80% of the costs in excess of the first $2,500. Subject to a maximum contribution by us of $100,000 in respect of all such costs incurred in respect of all such recalls or withdrawals in any one period of insurance unless an alternative limit is shown in the schedule.
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.	Employers Liability: personal injury must have occurred on or after the retroactive date; claims made basis applies. Broadform: exclusion 3 (Building defects and mould) excludes the action or effects of micro-organisms, mould, fungi, mildew, rot, decay, gradual deterioration, bacteria, protozoa or any similar or like forms. Pollutants exclusion requires an identifiable and sudden accidental and unexpected release.
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)" ]	[ "Health and Safety at Work Act 2015", "Accident Compensation Act 2001", "Sentencing Act", "Innkeepers Act 1962", "Law Reform Act 1936" ]
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.'	Notwithstanding exclusion 6 (Fines and penalties) of this broadform liability section, we will cover you for your legal liability to pay an award of reparation in respect of personal injury or damage to property happening within the geographical limits during the period of insurance as a result of an occurrence in connection with the business. Our liability for Sentencing Act reparation claims will not exceed the limit of indemnity shown in the schedule or $10,000,000, whichever is the lesser. This extension does not cover reparation arising from prosecution of an offence under the Health and Safety at Work Act 2015 (or any replacement Act) and any subsequent amendments. Cover for defence costs does not apply to a claim under this extension.
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.'	The personal injury must have occurred on or after the retroactive date shown in the schedule. Exclusion 9 (Prior injury) excludes any personal injury sustained before the retroactive date shown in the schedule. The continuous cover extension provides that where you first became aware of any claim after the continuity date and before the period of insurance, and you do not notify us until during the period of insurance, we will accept notification provided we have continuously been your employers liability insurer from and after the continuity date.
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.	Products liability is included within the broadform liability section. The limit of indemnity applies to any one period of insurance for all claims in respect of products.
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.	Exclusion 9 (Liability under agreement) of the broadform liability section excludes liability arising out of or in connection with liability assumed under an agreement unless such liability (a) would have attached in the absence of such agreement; (b) is assumed by any of the persons insured under a warranty of fitness or quality, or is implied by law, in respect of products. Automatic extension 8 (Indemnity to landlord) provides cover notwithstanding exclusion 9 for liability under a lease agreement to indemnify your lessor against third party actions.
occurrence basis vs claims made	mixed	mixed
defence costs in or outside limit	mixed	mixed
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." ]	[ "Aerial device products (exclusion 1)", "Asbestos (exclusion 2)", "Defective work - cost of performing, completing, correcting or improving work (exclusion 4)", "Product repair or replacement - cost of recalling, withdrawing, replacing or repairing products (exclusion 12)", "Non-efficacy PLB522 (optional)", "Non-efficacy installation PLB523 (optional)", "Faulty packing PLB524 (optional)", "Advice design, formula or specification exclusion PLB525 (optional)", "Additive products PLB500 (optional)", "Concrete products PLB504 (optional)", "Computer services PLB535 (optional)", "Genetic modification PLB539 (optional)" ]
efficacy exclusion	Not on file	Optional endorsement PLB522 (Non-efficacy): We will not cover you under this section for your legal liability for personal injury or damage to property directly or indirectly caused by or alleged to be caused by the failure of any products manufactured or supplied by any of the persons insured to correctly perform their intended function. Optional endorsement PLB523 (Non-efficacy installation): We will not cover you under this section for your legal liability for personal injury or damage to property directly or indirectly caused by or alleged to be caused by the failure of any products installed, serviced or repaired by any of the persons insured to correctly perform their intended function where the failure arises from such installation, servicing or repair.
run off availability	Not on file	Claims must be notified to us during the period of insurance or within 30 days after the end of the period of insurance.
investigation costs covered	Not on file	Defence costs are covered for any actual or threatened legal action against any of the persons insured, paid in addition to the applicable limit of indemnity under the broadform liability section. Under employers liability, we will advance defence costs to you as and when they are incurred before the final disposition of the claim.

About this data. Facts on this page are extracted from each insurer's published commercial-liability policy wording PDF, with the source PDF, effective date, our extraction date and SHA-256 hash recorded against every claim. This site enforces a 24-month freshness cap — wordings older than that are flagged as historical / archived. If a policy has been updated since our extraction, the verbatim text and structured facts may be out of date; the authoritative answer is always the source PDF linked, not our derived facts.

Audit trail (2 source documents)

Delta Insurance Delta General + Employers + Statutory Liability · effective 2025-03-01 · extracted 2026-05-21 · tier B (Verified — stale (12-24mo) or brochure) · sha256 d717b504eda50990… · source PDF
Vero Vero Combined Broadform / Employers / Statutory Liability · effective 2024-07-01 · extracted 2026-05-21 · tier B (Verified — stale (12-24mo) or brochure) · sha256 157c4f8a6c31ac73… · source PDF

Personalised advice on which cover fits your business is regulated under the Financial Markets Conduct Act 2013 — for that, contact our broker partner: First Commercial Insurance Brokers Ltd (FSP748591), 0800 437 699, stewart@fcib.co.nz. Page rendered 2026-06-20.