{
  "vertical": "commercial-liability",
  "insurer": {
    "slug": "nzi",
    "name": "NZI",
    "brand_family": "IAG"
  },
  "product": {
    "slug": "combined-liability",
    "name": "NZI LiabilityOne",
    "status": "active",
    "positioning_summary": null
  },
  "wording": {
    "version": "2023-01-01",
    "ingested_at": "2026-05-21T01:06:23.287745+00:00",
    "pdf_hash": "830a5f0018ae871b0e3b6e0a0fa56f602857d3e40ee16bc89d67716a9f41d4c3",
    "source_url": "https://www.nzi.co.nz/content/dam/insurance-brands-nz/nzi/nz/en/documents/nzi/liability/nz-liability-one-nz7397-1-0123.pdf",
    "page_count": 4
  },
  "confidence_tier": "verified",
  "facts": {
    "crime_module": "Covers the insured for loss arising from theft by an employee and criminal acts perpetrated by a third party.",
    "modules_included": [
      "Public Liability",
      "Employers Liability",
      "Directors and Officers",
      "Statutory Liability",
      "Prosecution Legal Expenses",
      "Crime",
      "Consequential Loss"
    ],
    "statutory_module": "Provides cover for liability and associated legal costs arising out of unintentional breaches of most New Zealand statutes affecting commercial businesses.",
    "first_party_costs_covered": [
      "direct costs"
    ],
    "third_party_costs_covered": [
      "claims from third parties",
      "expenses with defending Cyber claims, such as legal costs"
    ],
    "products_liability_bundled": "Included within Public Liability: 'Provides cover for legal liability and associated legal costs, should a business, its employees or products cause third party property damage or personal injury.'",
    "employment_practices_extension": "Optional Extra: 'Employment Disputes' covers the insured for defence costs and any compensation payable as a result of a claim by an employee for an employment grievance.",
    "business_interruption_inclusion": "Covers the insured against financial loss following a business interruption event which is a result of a claim covered under the Public Liability, Statutory Liability or Employers Liability policy."
  },
  "endpoints": {
    "summary": "/api/commercial-liability/product/nzi/combined-liability/summary.md",
    "wording": "/api/commercial-liability/product/nzi/combined-liability/wording.md",
    "history": "/api/commercial-liability/product/nzi/combined-liability/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/commercial-liability/product/nzi/combined-liability/facts.json",
  "generated_at": "2026-07-05T00:18:28.008Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}