Financial Lines and Casualty products
Optima Management Liability Package
Optima is designed to protect businesses from the impact of a wide range of potential risks. Our cover offers protection against general commercial liabilities, with a modular approach so that clients can buy as little or as much cover as they need.

A comprehensive management liability solution
Coverage
Directors and officers liability
Can protect directors and officers of a company from legal action arising from third parties including shareholders, creditors, liquidators or regulators, making claims against you.
Crime
Cover for theft or forgery committed by an employee, or a third party. Extends to include social engineering crime.
Corporate liability
Cover for losses arising from securities claims brought against your company.
General liability
Protects 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
Cover for prosecution for regulatory offences under New Zealand Acts of Parliament, including health and safety prosecutions.
Employment practices liability
Cover for damages and costs involved with legal action brought by employees for allegations, such as discrimination, harassment or unfair dismissal.
Employers liability
Can protect from claims of employees who have been injured in the workplace, when not covered by ACC.
Consequential loss
Cover for financial loss that follows on from a General, Statutory or Employers Liability claim.
Cyber Liability (optional add-on policy)
Protects you against liabilities arising from data protection laws, management of personal data and the consequences of losing information.
Pursuit and Defence Legal Costs (optional add-on policy)
Provides funding to pursue legal cases and defend against incoming litigation. Coverage includes property disputes, data protection issues, employee breaches of restrictive covenants, commercial contract disputes, and statutory licence matters.
Benefits

Free access to legal advice
Speak to our expert lawyers for an hour for free to gain advice on employment disputes and legal expenses.

Free online training
Our online compliance training platform is designed to provide your team with knowledge on key areas of insurable liability risk that impact your business, including crime, cyber and employment issues.

No “property being worked on” exclusion
- NZ and Pacific Islands domiciled
- Worldwide jurisdiction can be provided
- Up to $50m
- Primary and excess
- Umbrella liability
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Frequently Asked Questions
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