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Employers Liability Insurance

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Employers liability insurance certificate

A Employers Liability Insurance Certificate is a legal document that proves the existence of your employers liability insurance policy. It outlines the extent of your coverage, including what is insured, the amounts of coverage, and the period of insurance.

When do you need a employers liability insurance certificate?

There are multiple instances when having a employers liability insurance certificate is necessary.

Contract Bidding

When your business is bidding for a contract, especially with public sector organisations or larger corporations, they often require proof of employers liability insurance. These entities want to ensure that you have the necessary coverage in place to handle any work-related injuries or illnesses that may arise during the completion of the project. They want to confirm that potential medical costs, legal fees, and other related expenses won’t hinder the progress or the quality of your work.

Seeking Business Financing or Investment

If you’re seeking business financing or investments, the financial institution or potential investors often ask to see an employers liability insurance certificate. These parties want assurance that your business has measures in place to handle potential liability claims. Knowing that you’re insured gives them the confidence that their investment is secure, as potential claims won’t pose a significant financial risk to the business.

Potential Claims

In the event that an employee gets hurt or becomes ill due to work-related conditions, and this event isn’t covered by the ACC, your business could face a potential claim. In such situations, your employers liability insurance certificate becomes a crucial document. It provides evidence of your policy and can outline the terms of coverage, allowing you to manage the claim effectively and mitigate financial losses.

How much does employers liability insurance cost?

Employers liability premiums are calculated on several different factors including:

  • Limit of cover
  • Type of industry
  • Number of employees 
  • Turnover 

Employers liability insurance in NZ typically costs between $10 to $15 per month. 

What information does a employers liability insurance certificate include?

A employers liability insurance certificate provides vital details about your insurance coverage. 

Policy Number

This is your unique identifier, which separates your employers liability policy from all others held by the insurer.

Policy Period

This denotes the duration for which your policy is valid. It generally includes the start and end date of your coverage.

Insured Party

This section includes information about the business that the policy covers, such as the business name and address.

Insurance Company

This indicates the insurer who provides the coverage. It usually includes the company’s name and contact details.

Coverage Details

This outlines the specifics of what the policy covers, including the maximum coverage amount.

Exclusions and Conditions

This section highlights any specific scenarios that the policy doesn’t cover or certain conditions that must be met for the policy to apply.

How do you get a certificate of employers liability insurance?

To get a employers liability certificate of insurance you must have a policy in place. If you don’t have employers liability insurance, you can contact one of our brokers.

Our brokers will typically have quotes to you on the same day. Once you accept a quote for employers liability insurance a certificate of insurance can be issued immediately. 

If you already have cover in place, contact your broker at Gerrards and they will send you your certificate. 

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