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Statutory Liability

DUAL’s Statutory Liability policy provides cover for defence costs for alleged breaches of most statutes affecting commercial businesses, as well as costs associated with representation at an investigation or inquiry, and fines or cash penalties payable by the Insured following conviction for an offence under an insured statute (excluding the Health & Safety in Employment Act).


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 Statutory Liability quote accompanying a Property quote will be issued on the following wording

  • IUA Statutory Liability  Policy Wording

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

  • DUAL Statutory Liability Policy Wording

Liability Claims

For further information on our Statutory Liability claims handling, click here.

Please click here to contact one of our Underwriting team for additional information.

Talk to a DUAL Underwriter

Contact DUAL