This insurance provides cover for your liability to pay damages to third parties arising from your acts or omissions in the conduct of your health profession. This section has nil excess to pay. Cover includes costs awarded against you as well as legal and other defence costs, whether the case against you is successful or not.
This section will cover legal costs and expenses incurred in the defence of any action or enquiry brought against you such as Medical Disciplinary Hearings, Committees of Enquiry, Courts Martial, ACC Enquiries, Privacy Complaints Tribunal, Coroners Courts and the like.
Covers Costs as a result of attendance at a court of enquiry because of a claim against you.
Covering your legal liability to the public for bodily injury and/or damage to third party property arising from your practice activities but excluding bodily injury resulting from a treatment process – covered by Professional Indemnity/ Malpractice above.
Covering your defence costs and certain fines and penalties imposed on you by a regulator or statutory body because of your unintentional breach of the insured Acts such as the Health & Safety at Work Act. This optional insurance is becoming more important for employers in particular, due to the changes to at work health and safety regulations.