Commercial liability scenarios
Twelve persona-driven scenarios. Each one frames what cover matters for that specific situation, with clause-level matches against the FCIB panel: NZI, QBE, AIG, Zurich, Delta and Dual. Vero shown as off-panel market comparator.
Sole-Trader Tradie Needing Public Liability NZ
Public liability for the one-truck plumber, sparkie, builder or painter — what to look for in the wording.
Independent Consultant Needing PI for Advice Work
Professional indemnity for management, IT, HR, or specialist consultants — the retroactive date is everything.
SaaS Founder Needing PI + Cyber
Outage, breach, breach-of-contract — the two policies that protect a NZ tech company.
Building Contractor Needing Combined GL + Statutory
Residential and commercial builders — site liability, HSWA defence, sub-contractor exposure.
Café / Hospitality — PL + Food Contamination
Slip-and-fall, food poisoning, customer property damage — what hospitality wording looks like.
Director Needing D&O / Management Liability
Personal protection for directors and officers — Side A, Side B, Side C and where private NZ companies fit.
Allied Health Practitioner — PI + Cyber
Physios, psychologists, dietitians and others — entity PI vs clinical PI, and what your data triggers.
Engineer Needing PI for Design Liability
Civil, structural, geotech — design errors that surface 5+ years later need run-off you can rely on.
Retailer / Importer Needing Products Liability
When your product harms a customer, who pays? Importers carry the legal weight in NZ.
NFP / Association Board — Association Liability
Volunteer boards run real risk. Association Liability is the NFP equivalent of D&O.
Property Owner — Liability Cover
Commercial landlord public liability — where the building wording stops and your responsibility starts.
Importer / Distributor Products Liability
Bringing goods into NZ makes you legally responsible — territory clauses decide if you're covered for export claims too.
All scenario answers cite the underlying wording verbatim. If a product isn't on file, the scenario page shows "Not on file — request latest wording from insurer via FCIB" rather than fabricating an answer.