{
  "vertical": "commercial-liability",
  "insurer": {
    "slug": "delta-insurance",
    "name": "Delta Insurance",
    "brand_family": "Delta"
  },
  "product": {
    "slug": "association-liability",
    "name": "Delta Associations Liability",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2023-08-01",
    "ingested_at": "2026-05-21T00:17:43.8983+00:00",
    "pdf_hash": "2a3b5f7f316506b47b073d5779fa6d99a1164896f0aefe1707d55f6ea060476f",
    "source_url": "https://deltainsurance.co.nz/hubfs/Documents%20-%20policy%20wordings/DELTA%20NZ_Associations%20Liability%20Insurance_Policy%20Wording_August%202023.pdf",
    "page_count": 12
  },
  "confidence_tier": "verified",
  "facts": {
    "territory": "Territorial Limits means the countries or territories as shown in Items 10 and 11 of the Schedule.",
    "jurisdiction": "This Policy shall be construed according to the laws of New Zealand. Any issue and all disputes relating to this Policy shall be determined by the laws of New Zealand, whose courts shall have exclusive jurisdiction to hear any dispute.",
    "excess_default": "The Excess means the amount shown in Item 4 of the Schedule. No Excess applies to Insuring Agreement 1.1.",
    "key_exclusions": [
      "Asbestos",
      "Bodily Injury/Property Damage (other than emotional distress or mental anguish)",
      "Dishonesty and Fraud",
      "Excluded Losses (fines or penalties imposed by statute except Quasi Judicial orders; taxes except GST; multiple portion of multiplied damage award; amounts prohibited by law)",
      "Pre Retroactive Date",
      "Insured vs Insured (subject to cross-claim/third party contribution carve-out)",
      "Pollution",
      "Territorial Limits",
      "Fee Refund",
      "Sale and or Supply of Goods",
      "Prior Knowledge",
      "Terrorism",
      "War and Civil War",
      "Radioactive Contamination and Explosive Nuclear Assemblies",
      "Sanctions"
    ],
    "aggregation_basis": "The Limit of Liability is the maximum liability of the Underwriters as in Item 3A of the Schedule. Where a Coverage Section provides for related Claims, a single Excess shall apply to all amounts covered by the Policy that arise from all related Claims.",
    "claims_made_trigger": "The Underwriters will pay on behalf of any Insured Person the Loss arising from a Claim first made during the Policy Period (or Extended Reporting Period – if applicable) against such Insured Person for any Wrongful Act",
    "automatic_extensions": [
      "Continuous Cover",
      "Estate Extension",
      "Loss Mitigation",
      "Defamation – Insuring Agreement 1.3 only",
      "Fair Trading Act 1986 – Insuring Agreement 1.3 only",
      "Dishonesty and Fraud – Insuring Agreement 1.3 only",
      "Loss of Documents – Insuring Agreement 1.3 only",
      "Quasi Judicial – Insuring Agreement 1.3 only"
    ],
    "run_off_availability": "If this Extension is shown as Included in Item 5 of the Schedule and the Policy is not renewed by the Underwriters, the Insured shall have the right to purchase an Extended Reporting Period. The Extended Reporting Period means a period of 12 months, commencing on the Expiry Date as shown as item 2B of the Schedule. The Insured shall not have any right to an Extended Reporting Period in the event of any management and or organisational change or in the event of cancellation or non-renewal for non payment of premium. Any Extended Reporting Period provided by this Policy shall not increase or reinstate any Limit of Liability or Sublimit of Liability of this Policy and is non-cancellable.",
    "volunteer_definition": "Insured Person means any: (a) Executive; (b) Employee, but only during such time as the Claim against such Employee is also made against an Executive; (c) natural person serving as a representative or a director of a Named Insured; (d) Outside Positions Insured Person in accordance with Optional Extension 2 Outside Positions.",
    "fair_trading_act_handling": "The Underwriters will indemnify the Insured for any Claim made under sections 9 to 14 of the Fair Trading Act 1986 which arises out of a Breach of Professional Duty. (Automatic Extension 5 – Insuring Agreement 1.3 only)",
    "fines_insurable_acts_list": [
      "Goods and Services Tax Act 1985 (GST indemnity payable in addition to Limit of Liability)"
    ],
    "retroactive_date_handling": "Exclusion 5 (Pre Retroactive Date) excludes any Claim arising from any Wrongful Act and or Breach of Professional Duty committed or allegedly committed prior to the Retroactive Date shown in the Schedule. The Retroactive Date means the date shown in Item 7 of the Schedule.",
    "investigation_costs_covered": "Investigation means any formal civil, criminal, administrative or regulatory investigation into the conduct of an Insured Person in their capacity as an Insured Person of the Named Insured, which is commenced by the filing or issuance of a notice of charges, subpoena or formal investigative order. Defence Costs that relate to a Claim or Investigation are included within the definition of Loss.",
    "insured_vs_insured_exclusion": "brought by or on behalf of any Insured against any other Insured; provided, however, that this Exclusion shall not apply to any Claim made under this Policy brought by an Insured that is in the form of a cross-claim or third party claim for contribution or indemnity which is part of, and results directly from, a Claim which is not otherwise excluded.",
    "dishonesty_exclusion_carve_out": "Notwithstanding exclusion 3, the Underwriters will indemnify the Named Insured for any Claim made against the Named Insured arising from any dishonest or fraudulent act or omission committed by any Employee, provided that: (a) such conduct has not been knowingly permitted or condoned by any other Insured who is un-connected with such Claim; and (b) there is no indemnity for the person(s) who carried out, or was alleged to have carried out, the conduct or condoned the conduct; and (c) this arises from a Breach of a Professional Duty. (Automatic Extension 6 – Insuring Agreement 1.3 only)",
    "contractual_liability_extension": "Outside Positions: the Underwriters agree to indemnify the Insured for any Claims for Wrongful Act, brought against an Insured Person who at the specific request or direction of a Named Insured, acts as an Executive or equivalent thereof of an Outside Entity but only whilst that person is acting in their capacity as such. The extent of indemnity afforded by Underwriters shall be in excess of any indemnification from an Outside Entity and any other insurance coverage provided to an Outside Entity or its executives, directors, officers, trustees, or equivalent.",
    "occurrence_basis_vs_claims_made": "claims_made",
    "defence_costs_in_or_outside_limit": "in_limit",
    "products_liability_specific_exclusions": [
      "for any loss alleging or arising from the sale, supply, installation, efficacy or manufacture of goods by or on behalf of the Insured (Exclusion 10 – Sale and or Supply of Goods)"
    ]
  },
  "endpoints": {
    "summary": "/api/commercial-liability/product/delta-insurance/association-liability/summary.md",
    "wording": "/api/commercial-liability/product/delta-insurance/association-liability/wording.md",
    "history": "/api/commercial-liability/product/delta-insurance/association-liability/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/commercial-liability/product/delta-insurance/association-liability/facts.json",
  "generated_at": "2026-10-01T22:24:26.661Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}