Help cover your legal costs and payouts for personal grievance claims

Liability insurance to protect your business

Special rates and cover for EMA members

Personalise your Protection

Get a quote. It’s quick and easy. See how InsurePlus can help you and your business. If you do not meet the exclusions below please contact us direct for a quote.


Claim Excess


Combined annual premium (Exl GST)

About Insureplus

Get Covered

The accountability for organisations to provide a safe working environment, meet the legislative requirements related to employees and ensure directors are meeting their obligations has never been higher. Cases before the Employment Court continue to increase and the costs to defend these claims are expensive. Breaches by directors & officers are also in the spotlight with large fines being awarded.

If you’ve ever tried to get standalone Employment Practices Liability insurance before, you’ll know that SME’s generally can’t, it’s tied up with Management Liability insurance that you may not want, and it’s been too costly to consider. This is one of the many benefits of taking up InsurePlus with the EMA.

Read recent claims examples

InsurePlus helps protect you against these issues by providing you with the right policy at a special EMA member price. For one annual premium, you will receive cover for:

Employment Practices Liability (EPL)

EPL, also known as Employment Disputes, is designed to indemnify both the organisation and its employees (including directors & officers) against personal grievance (PG) claims brought by current, prospective or former employees.

Directors & Officers insurance (D&O)

D&O insurance is designed to protect directors, officers and employees (involved in the management of a company) from personal loss resulting from legal claims made against them whilst undertaking their duties on behalf of the company.

About InsurePlus

We’re here to help take the grief out of grievances.

Should you face an employment-related scenario, which leaves you in need of financial protection, you can sleep easy knowing that InsurePlus has you covered with our all-inclusive offering of advice, legal representation and liability cover. Find out more

EMA has partnered with Carson Risk to offer our members liability insurance cover provided by Delta Insurance. We have called it InsurePlus. Together, we have provided a range of options to help protect the financial position and reputation of your business.

As a broker Carson Risk seeks to understand your business and your risks and objectives, which allows for more comprehensive insurance coverage with your bottom line in mind.

As a Lloyds Coverholder (underwriter) Delta Insurance is the only locally owned and operated liability insurance underwriting agency in New Zealand. They provide solutions across a range of liability products in both the financial lines and casualty insurance sectors.

Download Free Guide

Download a free guide to liability insurance. We recommend consulting an insurance broker or risk advisor prior to purchase to ensure the insurance policy best fits your needs. Contact us for more information.


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Financial Strength Rating – Delta Insurance

Lloyd’s of London has an A+ (Strong) Stable Outlook financial strength rating as given by Standard and Poor's and an AA- (Very Strong) Negative Outlook financial strength rating as given by Fitch.

Financial Strength Rating

Lloyd’s of London currently has an A+ (Strong) Stable Outlook financial strength rating as given by Standard and Poor’s.

  • AAA (Extremely Strong) AA+ (Very Strong) AA (Very Strong) AA- (Very Strong) A+ (Strong) A (Strong) A- (Strong)

  • BBB+ (Good) BBB (Good) BBB- (Good) BB+ (Marginal) BB (Marginal) BB- (Marginal) B+ (Weak)

  • B (Weak) B- (Weak) CCC (Very Weak) CC (Extremely Weak) R (Regulatory Action) Not Rated

Lloyd’s of London currently has an AA- (Very Strong) Negative Outlook financial strength rating as given by Fitch.

AAA (Exceptionally Strong) AA (Very Strong) A (Strong)

BBB (Good) BB (Moderately Weak) B (Weak)

CCC (Very Weak) CC (Extremely Weak) C (Distressed)

“+” or “-” may be appended to a rating to indicate the relative position of a rating within the rating category. Such suffixes are not added to ratings in the AAA category or to ratings below the B category.

Contact Us

For any questions about these policies or your insurance in general please do not hesitate to contact Craig Graves at Carson Risk on

For questions about your EMA membership contact

If you have concerns about your employment policies or a questions about personal grievances get in touch with the EMAs AdviceLine

NZ 0800 300 362 AU 1800 300 362


Cognitiv on behalf of the EMA, Carson Risk and Delta Insurance provides this website as a service.

The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter.

We do not accept any responsibility for any loss which may arise from reliance on information contained on this site.