QBE vs Zurich — Employers liability

[
  "Any Personal Injury suffered by an Employee for which cover to any extent is provided by the Accident Compensation Act 2001 or any preceding, amending or replacement legislation (Cover A exclusion 1)",
  "Any Claim seeking aggravated, punitive, or exemplary damages (Cover A exclusion 2)",
  "Any Claim as a result of wilfully intentional or deliberate conduct of the Insured which it knew, or should have known, could cause injury to any Employee (Cover A exclusion 3)",
  "Any Claim resulting from, or contributed to by, any dishonest, fraudulent, criminal, or malicious act or omission of the Insured (Cover A exclusion 4)",
  "Any Claim arising out of failure to comply with any improvement, prohibition or suspension notice under the Health and Safety at Work Act 2015 (Cover A exclusion 5)",
  "Any Claim in respect of Personal Injury which would not be eligible for cover under the Accident Compensation Act 2001 (Cover B exclusion 1)",
  "Any Claim seeking any relief other than Punitive or Exemplary Damages (Cover B exclusion 2)",
  "Any Claim caused by wilfully reckless and/or contumelious conduct of the Insured (Cover B exclusion 3)",
  "Any Claim arising out of wilfully reckless omission to comply with any improvement, prohibition or suspension notice under the Health and Safety at Work Act 2015 (Cover B exclusion 4)",
  "Any Damages sought or awarded pursuant to a cause of action pleading or alleging trespass to the person, assault, battery, false imprisonment, intentional physical harm, malicious prosecution, sexual harassment or sexual abuse (General Exclusion 1)",
  "Any Claim as a result of the Insured directing an Employee to undertake activities otherwise than in the course of, or in connection with the usual activities of the Insured's Business (General Exclusion 2)",
  "Any Claim arising out of any event, circumstances or accident that occurred prior to the Retroactive Date (General Exclusion 3)",
  "Any liability under any judgment entered in any court other than a New Zealand court (General Exclusion 4)",
  "Any Claim arising from any event of which the Insured had become aware prior to the inception of the Period of Insurance and which a reasonable person would have considered may give rise to a Claim (General Exclusion 5)",
  "Any Claim in respect of losses directly or indirectly arising out of, resulting from or in consequence of, or in any way involving, asbestos or any materials containing asbestos in whatever form or quantity (General Exclusion 6)",
  "Any loss directly or indirectly caused by, resulting from or in connection with any Act of Terrorism (General Exclusion 7)",
  "Any loss where a Claim payment would breach any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulation of any country (General Exclusion 8)"
]

[
  "any liability of whatsoever nature in connection with, directly or indirectly caused by or contributed to by or arising from asbestos or asbestos products in whatever form or quantity",
  "any liability for, or fulfil any obligation in respect of any claim or defence costs, which are directly or indirectly caused by or contributed to, or arise directly or indirectly out of the action or effects of mould, fungi, mildew, rot, decay, gradual deterioration, micro-organisms, bacteria, protozoa or any similar or like forms, in any building or structure",
  "any liability of whatsoever in connection with or contributed to, or from a cyber event",
  "any personal injury for which cover to any extent is provided by the Accident Compensation Act 2001 or would have been, had a claim been made",
  "any personal injury which has resulted from any breach or contravention of any provisions of the Health and Safety at Work Act 2015 or any failure to comply with any improvement or prohibition notice issued thereunder",
  "any judgment entered in any Court other than a New Zealand Court, or any debt incurred by you as the result of such a judgment",
  "any claim which is or should properly be brought in the Employment Tribunal or Employment Court, or for any personal grievance",
  "any fines or penalties including any exemplary, punitive, liquidated or aggravated damages levied against you",
  "any claim made, threatened or in any way intimated against you and not notified to us prior to the commencement of the period of insurance or, if this policy is renewed, prior to the effective date of renewal",
  "any claim for personal injury which has taken place or allegedly taken place prior to the retroactive date stated in the schedule",
  "any circumstance or personal injury of which, at the commencement of the period of insurance or, if this policy is renewed, the effective date of renewal, you were aware or ought reasonably to have been aware and may give rise to a claim against you",
  "any liability arising out of any litigation in existence at the commencement of the period of insurance",
  "any ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel",
  "any nuclear weapons material",
  "any liability for any claim arising out of personal injury for damages and defence costs suffered outside of New Zealand and from any proceeding brought in any Court outside of New Zealand",
  "any death, injury, illness, loss, damage, costs or expenses of whatsoever nature caused by or arising out of war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military or usurped power or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government or public or local authority",
  "any act of terrorism or any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism"
]

[
  "Legal Costs and Expenses in addition to the Limit of Indemnity, in an amount equivalent to the Limit of Indemnity or NZD 1,000,000 whichever is the lesser (Limits of Indemnity clause 2)",
  "Where notice of a Claim is given during the Period of Insurance and an Employee makes further or different Claims in a subsequent period arising from the same event, all such additional claims are treated as if made in the Period of Insurance in which the first notice was originally given (Limits of Indemnity clause 3)",
  "Goods and Services Tax: where the Insured is liable to pay tax under section 5(13) of the Goods and Services Tax Act 1985 upon receiving any indemnity payment, QBE will indemnify the Insured for the cost of that tax, in addition to the Limit of Indemnity (General Condition 11)",
  "Circumstances Notified: provided notice has been given to QBE prior to expiration of the Period of Insurance, any Claim arising from the circumstances thus notified which is subsequently made after expiration shall be deemed to have been made and notified during the currency of this Policy (General Condition 6)"
]

[
  "Newly created or acquired subsidiary automatically included subject to written notice, underwriting information and payment of any additional premium required",
  "Subsidiary ceasing to be a subsidiary continues to be covered until expiry of the period of insurance in respect of personal injury that occurred after the retroactive date and until the date such entity ceased to be a subsidiary"
]