Employers Liability Insurance

Employers Liability insurance covers:

Defence costs and damages.

Employees can sue for bodily injury occurring in the workplace that falls outside of the ARCI Act 1992. Actions can be taken, alleging recklessness on the part of the business and its directors leading to the injury, and most of these actions seek a lump sum payment based on pain, suffering, and loss of enjoyment of life. Employers Liability Insurance protects you the business owner from the financial impact of such claims.

For more information or an obligation-free insurance quote, complete the form, and your Saffron Business Insurance Broker will contact you shortly.

In New Zealand, we have an ACC system, that for many years has been a shining example of how to manage the expectations of business, should employees be injured in the workplace. In the 1960’s and 1970’s the ACC would provide lump-sum payments, should there be a loss of limb or eyesight or hearing, etc., as well as the standard payments for medical bills and partial payment of lost wages.

The ACC system however could not sustain these lump-sum payments so dropped them. ACC also had to look further at what it could afford to insure, and what it couldn’t, and also had to look very carefully at what defined an Accident.

Following this, a number of injuries became excluded – these were generally injuries which took longer than 30 days to appear, for example the effects of passive smoking, melanoma, and fairly obviously Occupational Overuse Syndrome (OOS) or Repetitive Strain Injury (RSI).A quality defence is always important, as it is often the reputation of the business that is at stake, let alone the potential cost to the business’s balance sheet, should a claim be successful.

A quality defence is always important, as it is often the reputation of the business that is at stake, let alone the potential cost to the business’s balance sheet, should a claim be successful.

What Clients Are Saying:

Tammy, you’ve been an absolute pleasure to deal with. The premium was fantastic!

Geoff Kelly

Wellington

Great service, great attitude – it’s how getting insured should be – EASY AS! thanks Saffron Business Insurance for a superb start to what I expect to be a long standing relationship. Mal Snaize IT Consultant.

Mal Snaize, IT Stuff

Whangerei

Excellent customer service support when required, great knowledge of insurance options.

Wild Appetite

Albany, Auckland

Absolutely Fantastic Fast , Friendly and very professional. This is what every Kiwi business needs to strive to achieve. Saffron Insurance is exemplary.

Eddie Hania, PlastiCard

East Tamaki, Auckland

Our request for Liability Insurance was not run of the mill, yet Saffron (Bianca Painter) went out of their way to assist. The help we got from Bianca was excellent. Our request for public liability insurance was not standard and she was able to use her industry knowledge to provide what we needed. Excellent industry knowledge and service!

Linda Otto

Upper Hutt, Wellington

Our previous broker just rolled us over each year without seeming to do much, Saffron went the extra mile to find the best cover for us, including investigating overseas markets.

Cameron B

Wellington

A pleasure and an honour to deal with.

Rachel P

Takapuna

We have dealt with Bianca Painter at Saffron Business Insurance. Bianca’s knowledge of the insurance business, together with the service that has provided by her, has made our insurance portfolio more efficient and easier to understand. Bianca is always available to help with any query or problem and it has been an absolutely pleasure dealing with her. Would highly recommend this company.

Clare Ormerod, Wild Appetite

Albany, Auckland

Thank you for your patience, I must say you have been very easy and professional to deal with, we thank you for this

Karen R

Rotorua

Saffron helped us make cost saving changes to our policies which didn’t reduce our cover at all, and which we would never have spotted; that’s when you realise you’re being dealt with by a true professional.

Ian T

Auckland