Delta Insurance vs Zurich — 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

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Zurich

Zurich Australian Insurance Limited (NZ branch)

Wording on file: Zurich Combined General Liability
Effective: 2022-08-18
Tier D (blocked) FCIB panel

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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	Zurich
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" ]	[ "5.1 Advertising liability arising from failure of performance of contract, incorrect description of article or commodity, or mistake in advertised price", "5.2 Aircraft products intended for incorporation into critical parts, structure, machinery or controls of any aircraft", "5.3 Ownership, maintenance, possession, use or operation of aircraft, watercraft or hovercraft (other than watercraft not exceeding 15 metres for inland/coastal waters)", "5.4 Asbestos or asbestos products", "5.5 Building defects related to moisture/water penetration, mould/fungi/mildew/rot/decay/micro-organisms/bacteria/protozoa, or failure to comply with NZ Building Code requirements", "5.6 Care, custody and control of leased/rented property or property not belonging to the insured (subject to Extension 3.3)", "5.7 Contractual liability (subject to specified exceptions)", "5.8 Cyber risks: any liability in connection with a cyber event", "5.9 Deliberate acts or omissions of the insured or any employee which could reasonably have been expected", "5.10 Injury to employees covered by workers' compensation legislation or schemes, and employment practices claims", "5.11 Fines or penalties; liquidated, punitive or exemplary damages (subject to Extension 3.8 for punitive/exemplary)", "5.12 Loss of use of undamaged tangible property due to delay/non-performance or product failure to meet warranted performance", "5.13 Motor vehicle liability (subject to specified exceptions)", "5.14 North America: specific products/substances and fungi/bacteria liabilities", "5.15 Pollution (subject to sudden and accidental event exception outside North America)", "5.16 Professional liability (subject to exceptions for personal injury/property damage from products and first aid)", "5.17 Radioactive contamination (subject to exception for radio-isotopes/radium used incidentally)", "5.18 Repair and replacement costs for defective work, product damage, and recall costs", "5.19 Silica or silica related dust", "5.20 Specific products and substances (urea formaldehyde, silicon implants, AIDS/HIV, contraceptives, human biological materials, GMO seeds/organisms, vaccines, PCBs, tobacco, pharmaceutical active ingredients/medical implants, DES/oxychinoline)", "5.21 Act of terrorism", "5.22 War and related risks" ]
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.	anywhere in the world, except North America, where the policy will only apply in respect of: products exported to North America; and business visits to North America by executives or sales persons normally resident in New Zealand or the Commonwealth of Australia.
jurisdiction	New Zealand, Micronesia, Melanesia and Polynesia.	The construction, interpretation and meaning of the provisions of this policy shall be determined in accordance with New Zealand law. In the event of any dispute arising under this policy including, but not limited to, its construction and/or validity and/or performance and/or interpretation, the insured will submit to the exclusive jurisdiction of any competent Court in New Zealand.
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.'	An occurrence or series of occurrences which are attributable directly or indirectly or allegedly to the same event, condition, defect or hazard, or failure to warn shall be added together and treated as one occurrence, irrespective of the period of time after the commencement of the period of insurance or the number of persons or entities that sustain property damage and/or personal injury. All such occurrences shall be deemed to have occurred on the day of the first of such occurrences. The Limits of Liability specified in the schedule are non-cumulative.
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" ]	[ "3.1 Additional payments: legal costs and expenses, solicitor/defence counsel fees for inquests/criminal proceedings, and first aid expenses, paid in addition to Limits of Liability (except for North America occurrences where inclusive of limit)", "3.2 Automatic acquisition clause: contingency cover for companies acquired/established during the period of insurance for 90 days, subject to business compliance, turnover not exceeding 10% of basis, and NZ domicile", "3.3 Care, custody and control: indemnity for personal property of directors/officers/employees/visitors; leased/rented premises; premises temporarily occupied for work; non-owned vehicles in insured-operated car parks; other property in care/custody/control up to $500,000 or schedule amount", "3.4 Claims series clause: series of related occurrences treated as one occurrence", "3.5 Compensation for court attendance: $500 per day for directors/officers/partners; $250 per day for employees", "3.6 Joint venture: indemnity for claims arising out of joint ventures in which the insured has an interest", "3.7 Overseas personal liability: cover for legal liability incurred personally by employees or directors (including spouse/family) while travelling outside country of domicile in connection with the business", "3.8 Punitive and Exemplary Damages: indemnity for punitive or exemplary damages arising from personal injury where claim first made and notified during the period of insurance, subject to sub-limit and deductible in schedule" ]
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.	Excluded: 'the costs or expenses of recalling, removing, repairing, recovering, altering or replacing the insured's products arising from a defect in or an error in connection with the sale or supply of such products or the guaranteed performance of the insured's products or the unsuitability thereof for the use for which they are supplied.'
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.	Products Liability is included within the policy under Insuring Clause 1 and Limits of Liability clause 2, covering liability for personal injury, property damage or advertising liability arising from products in connection with the business.
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.	Excluded generally under 5.7, except where: the liability would otherwise have been implied by law; arises from a lease of real or personal property; assumed under any warranty under Federal or State legislation in respect to product safety; arises from a written contract with a public supplier for utilities; arises from a written contract with a railway authority or carrier for loading/unloading/transport of the insured's products; or is assumed under agreements specified in the schedule.
occurrence basis vs claims made	mixed	occurrence
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." ]	[ "the cost of rectifying defective work carried out by or on behalf of the insured", "property damage to any of the insured's products causing personal injury or property damage", "the costs or expenses of recalling, removing, repairing, recovering, altering or replacing the insured's products arising from a defect in or an error in connection with the sale or supply of such products or the guaranteed performance of the insured's products or the unsuitability thereof for the use for which they are supplied", "any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from any of the insured's products which, with the insured's knowledge, are intended for incorporation into any critical part, the structure, machinery or controls of any aircraft", "urea formaldehyde", "silicon based human implants", "AIDS, HIV or HIV related illness", "contraceptives and RU 486", "human biological materials including extracts thereof", "genetically modified seeds or organisms", "vaccines", "application or use of polychlorinated biphenyls including polychlorinated biphenyl generated dibenyofurans and dioxins", "tobacco and tobacco related products", "the manufacture or supply of all pharmaceutical active ingredients including medical implants", "DES and orally taken oxychinoline", "asbestos or asbestos products or asbestos contained in any products", "silica or silica related dust" ]
efficacy exclusion	Not on file	Excluded under 5.12.2: 'the failure of the products to meet the level of performance, quality, fitness or durability expressly or implied warranted or represented by an insured.' However, Exclusion 5.12.2 does not apply to loss of use of other tangible property resulting from the sudden and accidental damage to or destruction of the products after such products have been put to use by any person or organisation other than the insured.
employment practices extension	Not on file	Employment practices are excluded from cover under Exclusion 5.10.3. Employment practices means any wrongful or unfair dismissal, denial of natural justice, defamation, misleading representation or advertising, sexual harassment or discrimination in respect of employment by the insured.

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
Zurich Zurich Combined General Liability · effective 2022-08-18 · extracted 2026-05-21 · tier D (Historical / not on file) · sha256 eea918409099ab99… · source PDF

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