Building Contractor Needing Combined GL + Statutory

Residential and commercial builders — site liability, HSWA defence, sub-contractor exposure.

Building work generates public-liability claims (site injury, neighbouring-property damage) and statutory exposure (HSWA fines and defence, RMA infringements, Building Act prosecutions). Most NZ insurers package these as Combined Liability (GL + Employers + Statutory). The package wording matters because sub-limits per module aren't always what you'd expect.

Cover types most relevant

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.
Public liability

Public liability (sometimes "broadform" or "general liability") covers third-party bodily injury and property damage arising from your business activities. NZ commercial wordings vary materially on the products-liability bundle, the "occurrence" definition, contractual-liability extensions and the territorial limit.
Statutory liability

Statutory liability covers fines and defence costs for unintentional breaches of NZ statutes (HSWA, Privacy Act, RMA, Fair Trading Act). Insurability of the fine itself depends on the Act — defence costs and reparation orders are universally insurable.

Refining for your situation

Largest contract value in the next 12 months? — affects how we weight matching clauses

Watch out for

workmanship: Defective workmanship is excluded from public liability — it's Building Act and consumer-protection territory, not liability cover.
HSWA: HSWA fines are NOT insurable for the body corporate — only defence costs and reparation orders. Make sure you understand which.

Building Contractor Needing Combined GL + Statutory

Cover types most relevant

Refining for your situation

Watch out for

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