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General Liability

As New Zealand’s leading underwriting agency in Liability Insurance DUAL's General Liability policy provides cover for the Insured for damage to someone else's property or for injury to another person, as a result of the Insured's business activities or products for which the Insured may be legally liable.

Our policy can pay for the costs of defending these claims in court, plus any settlements or damages that might be awarded against the insured.


NZD $30,000,000

Risk Appetite


  • Professional Services
  • Information Technology
  • Allied Health
  • Accommodation
  • Hospitality
  • Architects & Engineers
  • Education
  • Charities/ Not-for-Profit Organisations
  • Sport & Recreation
  • Retail
  • Transport, Storage & Freight Forwarding
  • Trade Services


  • Agriculture / Fishing / Farming Mining
  • Amusement Parks / Tourism Pharmaceuticals
  • Occupations involved with Asbestos, methamphetamine affected properties or Tobacco
  • Aviation
  • Railways
  • Construction Wholesale / Retail of Trade Products
  • Medical & Hospitals
  • Utility Providers
  • Manufacturing Work on Watercraft over 10 metres


Effective 10 May 2021 any General Liability quote accompanying a Property quote will be issued on the following wording

  • IUA General Liability Policy Wording

Any General Liability quote without an accompanying Property quote will be issued on the following wording

  • DUAL General Liability  Policy  Wording

Liability Claims

For further information on our claims handling, click here.

Click here to locate your local Underwriter and obtain a quotation for General Liability.

Talk to a DUAL Underwriter

Contact DUAL