General Liability Insurance
After a UK man sued an airline after it sent him to Grenada in the Caribbean instead of Granada in Spain, it becomes pretty obvious that anything can happen in business, and probably will – the right liability insurance is worth its weight in gold.
Protect yourself and your staff from damage or injury relating to negligence and other acts during the performance of his or her business or duties, as well as law suites as a result of real or perceived damages suffered.
Employers Statutory and Liability Insurance
Employers statutory and liability insurance helps remove some of the pain resulting from fines, penalties and other legal costs resulting from breach of regulations, such as those of New Zealand’s occupational health and safety laws, including:
- Health and Safety in Employment Act
- Injury Prevention, Rehabilitation and Compensation Act 2001
Professional Indemnity Insurance
Negligence, professional misconduct and wrongdoing are painful words which could impact your business, staff and yourself emotionally, physically and financially as a result of claims or allegations that hurt your business and professional standing.
Professional indemnity can help take some of the edge off the resulting repercussions (whether or not the claims and allegations are with or without substance), by covering legal fees, awards against you, fines, compensation orders (including costs of industry tribunals and standards committees, such as the New Zealand Law Society Standards Committee).
Company owners, directors, officers, managers, barristers, solicitors, volunteers, committee members, employees and trustees may be exposed to any number of claims, including defamation, criminal actions, errors and negligence.
Directors and Officers Liability Insurance
Wrongful acts, negligence, omission… anything can happen when board members, directors, even body corporate committee members, are carrying
out their duties, and may result in personal liability losses, awards against you, fines, legal costs and compensation orders.
To talk to a Prosper Group adviser about which personal indemnity,
directors or officers liability insurance, is most pertinent to
Marine Cargo Insurance
Marine cargo insurance protects you or your business if you have purchased or ordered goods and equipment that have to be transported over water, if the equipment or goods are lost, stolen or damaged during transit.
Even in this age of modern, sophisticated shipping, ships can come undone or, more frequently, cargo is damaged by heavy seas,
storms, wind and fire, among other perils.
To talk to a Prosper Group adviser about whether your need marine cargo
insurance, bearing in mind that road, rail and air may be included.
Advice on business insurance is available from Prosper Group throughout New Zealand, including Auckland, North Shore, Tauranga, Hamilton, Rotorua, Taupo, Whakatane and Blenheim.