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All cover · Combined liability package

NZI 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.

NZI

IAG New Zealand Limited (NZI brand)

Wording on file: NZI LiabilityOne
Effective: 2023-01-01
Tier D (blocked) FCIB panel

Source PDF →

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 NZI qbe
modules included 
[
  "Public Liability",
  "Employers Liability",
  "Directors and Officers",
  "Statutory Liability",
  "Prosecution Legal Expenses",
  "Crime",
  "Consequential Loss"
]
 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 Not on file Not on file
crime module Covers the insured for loss arising from theft by an employee and criminal acts perpetrated by a third party. Not on file
statutory module Provides cover for liability and associated legal costs arising out of unintentional breaches of most New Zealand statutes affecting commercial businesses. Not on file
first party costs covered 
[
  "direct costs"
]
 Not on file
third party costs covered 
[
  "claims from third parties",
  "expenses with defending Cyber claims, such as legal costs"
]
 Not on file
products liability bundled Included within Public Liability: 'Provides cover for legal liability and associated legal costs, should a business, its employees or products cause third party property damage or personal injury.' Not on file
employment practices extension Optional Extra: 'Employment Disputes' covers the insured for defence costs and any compensation payable as a result of a claim by an employee for an employment grievance. Not on file
business interruption inclusion Covers the insured against financial loss following a business interruption event which is a result of a claim covered under the Public Liability, Statutory Liability or Employers Liability policy. Not on file