General Liability: Policy Wording and Limits
Policy Wording
You can download and read the Insurer (Ando Insurance) Policy Wording below. You should read this so you know what you are covered for:
> Click Here to Download Policy Wording (PDF)
Policy Limits
Please note that the applicable sublimit applying to each of the covers below is the lesser of your Policy Sum Insured purchased or the sublimits of cover listed below.
| Limit Type | Territory / Jurisdiction | Limit | Excess |
| General Limit of Indemnity | New Zealand | From $1M – $10M | $500 |
| Products Limit of Indemnity | New Zealand | $2,000,000 | $500 |
| Advertising Liability | New Zealand | $1,000,000 | $1,000 |
| Car Park Liability | New Zealand | $2,000,000 | $500 |
| Defective Workmanship | New Zealand | $50,000 | $1,000 |
| Forest and Rural Fires Act | New Zealand | $1,000,000 | $500 |
| Goods on Hook | New Zealand | $250,000 | $2,500 |
| Hot Work | New Zealand | $250,000 | $500 |
| Innkeeper’s Liability | New Zealand | $2,000,000 | $1,000 |
| Landlords Liability | New Zealand | $2,000,000 | $500 |
| Loss or Stolen Keys | New Zealand | $50,000 | $1,000 |
| Product Withdrawal Costs | New Zealand | $100,000 | $5,000 |
| Property In Care, Custody or Control | New Zealand | $500,000 | $1,000 |
| Punitive or Exemplary Damages | New Zealand | $1,000,000 | $500 |
| Tenant’s Liability | New Zealand | $2,000,000 | $500 |
| Underground Services | New Zealand | $2,000,000 | $2,500 |
| Vehicle or Watercraft Service and Repair | New Zealand | $500,000 | $1,000 |
| Vibration or Removal of Support | New Zealand | $500,000 | $5,000 |
| Warrant of Fitness | New Zealand | $100,000 | $2,500 |