We provide comprehensive insurance cover across a range of products. We are continually updating our insurance portfolio with new products and niche offerings for diverse industry types to ensure our brokers and their clients have the most effective and relevant cover for their businesses.
Optima is New Zealand’s most comprehensive management liability offering which also includes
a SaaS-based risk management solution developed by Dacreed.
It covers General Liability, Statutory Liability, Employers Liability, Directors and Officers Liability, Corporate Liability, Employment Practice Liability, Crime, Consequential Loss, Legal Expenses and Cyber Liability.
PerCy is the first Personal and Household Cyber Protection insurance available in New Zealand. It not only covers consumers in the event of a cyber attack, it also helps them to optimise their cyber security by monitoring their devices and informing them when they have been subject to a cyber attack.
PerCy helps individuals and families reduce their exposure to a cyber attack, and gives them peace of mind in the event of specific cyber risks.
Legal Expenses insurance offers cover that protects your business, your directors and your employees against the potential costs of legal action brought by or against you. Legal fees have reached a level where businesses are having to consider whether or not to participate in legal actions, particularly for SMEs. They also often struggle to keep up to date with business legislation and regulatory requirements, including data protection, employment, health and safety, or many other industry specific regulatory requirements.
Intellectual property is a source of strategic competitive advantage for most businesses. This dedicated IP insurance offering has been designed to make it easy for Kiwi companies to cover their legal costs in a court battle over intangible assets. Having an insurance policy that covers legal expenses helps Kiwi companies to realise the value of their IP while they commercialise their ideas with confidence.
Our Management Liability solution combines eight key policies in one comprehensive package. Our unique modular approach means that our clients can buy as little or as much of each coverage as they require, depending on their type of business and their risk appetite.
Professionals owe a duty of care to their clients. Professional Indemnity Insurance protects you against the costs of legal action and claims arising from an alleged loss based on a professional error by yourself or your staff. Our coverage protects against civil liability including professional negligence, breach of contract, misrepresentations, Breach of the Fair Trading Act, defamation, unintentional breach of intellectual property rights and dishonesty of directors and employees.
General Liability Insurance protects you against the costs of compensating third parties if they suffer a personal injury or damage to their property for which you are legally liable. Statutory Liability covers you for prosecution under a number of New Zealand Acts of Parliament. Employers’ Liability will protect you from claims from staff who have been injured in the workplace, where they are not otherwise covered by ACC.
Cyber Liability Insurance protects you against first party exposures such as business, interruption, ransomware attacks and restoration of data. It also protects against liabilities arising from breaches of data protection laws, management of personal data and the consequences of losing information. For both individuals and businesses information that is stolen and used inappropriately can have serious consequences.
Technology Liability Insurance protects Technology Product and Service providers against liabilities arising from the provision of those products or services. In particular it protects for liabilities arising from professional errors and omissions plus also legal liability for personal injury or property damage caused to other parties.
This insurance provides you with cover for costs involved with legal action arising from carrying out your management duties. Directors and Officers can be held accountable for their actions and can be exposed to serious liability risks. Cover can also be provided for the Corporate Entity for claims arising from breaches of securities law.
Environmental and Pollution Liability insurance provides a comprehensive solution that addresses a range of environmental risks that are not covered under other insurance policies. It will cover your liability arising from a pollution event including the clean-up costs, costs associated with dealing with a regulator and any civil claims made against you. For owner operated sites it can also cover your business interruption costs.
Environmental & Pollution Liability insurance provides a comprehensive solution that addresses a range of environmental risks that are often not covered by other policies. The policy will cover legal liability arising from bodily injury, property damage and environmental damage caused by pollution incidents that occur when providing services and covers emergency response expenses.
Contractors Professional and Pollution Liability insurance addresses a range of risks that companies operating in the field of environmental consulting and contracting often encounter. This Insurance will cover against professional acts, errors and omissions and the various environmental liabilities that are often not covered by other policies, including environmental damage, clean-up costs and emergency response expenses.
Unmanned Aerial Vehicle (UAV) Operators insurance provides a tailored solution that addresses a range of risks that companies operating or licensing the service of UAVs and drones often encounter. UAV Operators Insurance provides the policyholder comprehensive cover addressing a number of specific risks associated with UAV’s including cover for damage to the UAV itself (hull), third party liability, statutory liability and cover for privacy breaches.
Delta has developed a specific liability wording for the Food & Beverage Manufacturing sector which carries some unique coverage sections which are often not addressed under standard General Liability and Statutory Liability policies.
The Food Manufacturers Liability package provides a comprehensive liability solution including Product Recall risks that are unique to the food manufacturing sector. Along with standard Broadform Liability, this policy also covers Product Recall, slow and gradual Pollution, Errors & Omissions and Crisis Management cover.
Delta has developed a specific liability wording for the Manufacturing sector which carries some unique coverage sections which are often not addressed under standard General Liability and Statutory Liability policies.
This Manufacturers Liability package provides a comprehensive liability solution that addresses a range of manufacturing-specific risks. Along with standard Broadform Liability, this policy also covers Product Defect, slow and gradual Pollution, Errors & Omissions and Crisis Management cover.