Employers Liability Insurance NZ — Gradual-Process Cover
Employers liability — NZ commercial liability cover
NZ's Accident Compensation Act bars most employer claims for accidental workplace injury — ACC absorbs them. Employers Liability fills the gap for gradual-process bodily injury (stress, occupational disease, asbestos) that ACC does not cover.
Blanket panel — wording on file
Six NZ commercial insurers sit on the Blanket panel. The table below shows the wording version we have on file for each one, with its tier (A = current ≤ 12 months, B = stale 12–24 months, C = third-party mirror, D = historical). Empty rows mean we don't have a current wording on file — request the latest from the insurer via Blanket Advice Limited (FSP1004126).
| Insurer | Wording on file | Effective | Tier | Source |
|---|---|---|---|---|
| Delta Insurance | Not on file | — | — | Request via Blanket Advice Limited |
| NZI | Not on file | — | — | Request via Blanket Advice Limited |
| QBE | QBE Employers Liability | 2022-11-01 | D | |
| AIG | Not on file | — | — | Request via Blanket Advice Limited |
| Zurich | Zurich Employers Liability | 2021-08-13 | D | |
| Vero | Not on file | — | — | Request via Blanket Advice Limited |
What to look for in the wording
limit of indemnity optionsgradual process handlingacc interactionterritoryjurisdictionkey exclusions