Today (4th April 2016), the Health & Safety At Work Act came into force. This legislation increases the responsibility of businesses, directors, managers and workers to manage health & safety in the workplace.
Alongside the new law, WorksafeNZ is increasing its enforcement activity, which could increase the potential for prosecution if a substantial breach is identified. Although the Health & Safety at Work Act specifically states that you can’t insure for health & safety fines, you are able to get insurance for the legal costs of defending yourself if you’re prosecuted for a breach of the law.
In addition to the new health & safety laws, the passing of the Sentencing Amendment Act 2014 has extended the ability of judges to award reparation to meet any shortfall in a victim’s ACC compensation. This will result in potentially larger reparations and more expensive defence costs. Before these changes an injured party may have faced a shortfall in what they received from ACC. Shortfalls can arise for a number of reasons:
Unfortunately, it’s a reality that sometimes, despite your best efforts, accidents can happen.
Insurance is available
Known as statutory liability insurance, it provides protection for: