ACC covers all New Zealanders for accidents and mental injuries suffered at work, at home, or anywhere else. However, employees can still sue for work-related illnesses or situations that are not covered by ACC. Employers Liability insurance protects you from claims made based on recklessness on the part of your business and its directors.
Employers Liability insurance covers the costs associated with personal injury claims as well as the cost of defending them. Employers face exposure to personal injury claims from employees in a variety of situations, including injury caused by stress, depression, anxiety or mental anguish.