Motor Claims: Own Damage
Motor Claims: Third Party Property Damage
Motor Claims: Third Party Bodily Injury/Death
Product/Public Liability Claims
NB: Liability policies can only respond when the Insured has breached their duty of care to a third party and as a result of that breach the third party suffered injury or loss. In addition, the claimant’s first point of contact should be the NIC, which provides an employment injury benefit of $20,000 for medical expenses. In the event that the claim exceeds the NIC threshold or the employer is named as a defendant in a civil suit then the EL policy can be called upon to respond to the claim.