> _Markdown transcription of NZI NZI LiabilityOne policy wording, effective 2023-01-01. Source: https://www.nzi.co.nz/content/dam/insurance-brands-nz/nzi/nz/en/documents/nzi/liability/nz-liability-one-nz7397-1-0123.pdf_ --- # LiabilityOne --- ## NZI LiabilityOne Policy Wording **Version Code: NZ7397/2 02/23** --- ## What NZI LiabilityOne Includes ### 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. ### Employers Liability Covers the insured for legal liability and associated legal costs for claims brought by employees for personal injuries that are not covered by ACC. ### Directors and Officers Provides business executives with cover for costs involved with legal action arising from carrying out their management duties. ### Statutory Liability Provides cover for liability and associated legal costs arising out of unintentional breaches of most New Zealand statutes affecting commercial businesses. ### Prosecution Legal Expenses Covers an employee of the insured for legal expenses to defend a prosecution for causing the accidental injury or death of a person that happens in the normal course of carrying out their duties as an employee. ### Crime Covers the insured for loss arising from theft by an employee and criminal acts perpetrated by a third party. ### Consequential Loss 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. --- ## Optional Extras ### Cyber Base Covers the insured for a number of Cyber exposures. It provides cover for direct costs as well as claims from third parties, and also covers expenses with defending Cyber claims, such as legal costs. Cyber Base also provides access to a 24/7 emergency helpline and a Cyber Expert team. ### 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. --- > This information is intended as a guide. Policy limits and exclusions apply. Please refer to the policy wording for full terms and conditions.