All cover · Combined liability package
qbe 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.
qbe
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Not on file — request latest wording from qbe via FCIB.
Zurich
Zurich Australian Insurance Limited (NZ branch)
Wording on file: Zurich Combined General Liability
Effective: 2022-08-18
Tier D (blocked) FCIB panel
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 | qbe | Zurich |
|---|---|---|
| modules included | Not on file | 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 | [ "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 | Not on file | 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 | Not on file | 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. |
| aggregation basis | Not on file | 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. |
| 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. |
| automatic extensions | Not on file | [ "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 | Not on file | 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.' |
| products liability bundled | Not on file | 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. |
| 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. |
| contractual liability extension | Not on file | 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 | Not on file | occurrence |
| defence costs in or outside limit | Not on file | mixed |
| products liability specific exclusions | Not on file | [ "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" ] |