Employers' Liability Insurance
ACC doesn't cover everything - talk to us today about Employer's Liability Insurance.
Protect Your Business With Employer's Liability Insurance
It doesn’t matter how well maintained your workplace is or how well you look after your employees, mistakes and accidents can happen and they’re not always covered by ACC.
Employment Liability Insurance will cover you in case an employee takes legal action against you or your company because of an illness or an injury they have suffered at work, which is not covered by ACC.
Generally, ACC is not able to pay a claim if the injury takes longer than 30 days to appear. This can include repetitive stress injury, melanoma or passive smoking.
Many other workplace occurrences are not covered by ACC. These include:
- Undue stress or mental injury
- Disease brought on over time
- Disease brought on because of workplace conditions
Health benefits can play a critical role in retaining existing staff and attracting new talent to your organisation. Lifetime financial adviser Carmen Lapthorne warns business owners and HR managers against making these common mistakes.
From relying on only Pharmac-subsidised drugs to thinking you’re fully covered by your work health insurance, Lifetime adviser Lisa Davis warns of the common mistakes we make when selecting health insurance and how best to avoid them.
Moving from the default ACC Cover Plus to ACC Cover Plus Extra might sound like an expensive exercise, but when topped up with appropriate personal cover, it can cost you less per year for more comprehensive cover that pays out in circumstances of illness as well as injury.