Insurance

Insurance

Earthquake

While earthquake insurance is mentioned in other sections, given the importance of it in New Zealand and the risks posed, this area of risk also gets its own specialist category. Throughout and following all of the recent earthquake events in New Zealand (Canterbury 2010 and 2011, Seddon 2013 and Kaikoura 2016) we have been intimately involved in assisting clients (both insurers and those insured) with working through the issues arising, and dealing with how to manage future risk.
A comprehensive understanding of the complex law surrounding this type of insurance, both from a statutory point of view and a policy point of view is absolutely essential to achieving the right result whether before or after an event.

Talk to us about:

• Whether your policy is adequate to cover the risks.
• How to manage a claim following an event.
• Policy wording.
• Managing a claim from an insurer’s point of view.
• Contributory liability and betterment.

Insurance

Liability

One of the more frequent queries we have received in the last few years relates to liability where people have taken up particular positions. This might be in relations to directorships on companies, or even being a committee member on a unit title body corporate. Other types of liability insurance includes product liability which can arise in a number of situations, not the least of which is in the construction materials industry. Regardless of the source of the risk, our experts will be able to assist with your requirements.

We can help with:

• Directors and Officers Liability, and related insurance.
• Product liability and related insurance.
• General liability and related insurance.

Insurance

Fire and General

Fire and general policies of insurance cover property, both commercial and residential. Risks such as fire, flood, earthquake, storm and even loss of rents. We can advise on all issues for those who have insurance, those contemplating it and those who provide insurance.

Call us to help with Fire and General insurance matters relating to:

• Commercial property – office, industrial, rural, retail or special purpose.
• Earthquake cover of all kinds.
• Specific types of cover such as livestock, crops and forestry.
• Residential property.

Insurance

Professional Indemnity

Whether we like it or not, there has been a substantial upward trend in the bringing of claims against professionals in New Zealand over the last 20 years. More recently there have also been large increases in the number of complaints made to professional associations about members. We can assist regardless of which side of the fence you may be on, and whether you are an insurer or not. We can help you to understand the options, risks and the best way forward.

Talk to us about:

• Assistance with making a claim or defending one involving any profession including: Legal, Accounting, Engineering, Medical, Architectural, Real Estate and others.
• Assistance with complaints in relation to professional bodies.
• Obtaining professional indemnity insurance and what to look for in a policy.
• Strategies for dealing with risk management.
• Defending claims for statutory liability including government imposed fines.

Insurance

Major Development and Specific Project

Sometimes there are projects that just don’t fit into usual categories, and that need special considerations. At Morrison Kent, we have provided advice in respect of several major developments requiring this type of work. Examples of the types of projects that might fit in to this category would be major public projects like bridges, tunnels and wind farms and also major private projects like construction over water, building conversion and mixed use developments.

Insurance

Other

At Morrison Kent our insurance law experience goes well beyond just the areas listed above. We are experts across the entire field and have lawyers who are renowned throughout New Zealand.

We detail below some of the other areas we work in and can help you with:

• Life insurance.
• Total permanent disablement insurance.
• Trauma insurance.
• Travel insurance issues.
• Income protection insurance.
• Construction and Contractors insurance.
• Public liability.
• Statutory liability.