Waikato Local Authority Shared Services (Waikato LASS) - Period of Insurance: 1st November 2021 to 1st November 2021 - Matamata-Piako District ...
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Waikato Local Authority Shared Services (Waikato LASS) Period of Insurance: 1st November 2021 to 1st November 2021 Version No. 001 – 19/01/2021
Contents
CORE SERVICE TEAM .................................................................................................................... 1
INTRODUCTION ............................................................................................................................... 2
IMPORTANT NOTICES .................................................................................................................... 3
INSURED DETAILS .......................................................................................................................... 5
INSURANCE PROGRAMME............................................................................................................. 6
Material Damage and Business Interruption Programme – Primary Layer ... 6
Material Damage and Business Interruption Programme – Excess Layer .. 11
Commercial Motor Vehicle .......................................................................... 14
Corporate Travel ......................................................................................... 17
General Liability – Primary Layer ................................................................ 22
Statutory Liability......................................................................................... 25
Employers Liability ...................................................................................... 27
Professional Indemnity ................................................................................ 29
Crime .......................................................................................................... 32
Cyber Risk .................................................................................................. 36
Marine Hull .................................................................................................. 40
Personal Accident ....................................................................................... 42
Fine Arts...................................................................................................... 44
Infrastructure Insurance (40% Placement) .................................................. 46
Infrastructure Insurance (60% Placement) .................................................. 48
Machinery Breakdown ................................................................................ 50
Boiler Explosion .......................................................................................... 51
Standing Timber.......................................................................................... 52
Aviation Hull (UAV/Drones) – Hauraki District Council ................................ 54
Aviation Hull (UAV/Drones) – Matamata Piako District Council .................. 56
Aviation Hull (UAV/Drones) – Waikato District Council ............................... 58
Aviation Hull (UAV/Drones) – Waikato Regional Council ............................ 60
Aviation Hull (UAV/Drones) – Waitomo District Council .............................. 62
Aviation Owners & Operators Liability ......................................................... 64
Aviation Non-Owners Liability ..................................................................... 66
CLAIMS PROCEDURES ................................................................................................................. 69
CLASSES OF INSURANCE AVAILABLE ........................................................................................ 71
INSURER RATINGS ....................................................................................................................... 74
This report contains information which is confidential to Waikato LASS and Aon New Zealand (Aon). Accordingly, we trust you will understand this report
is given to Waikato LASS and its officers and employees in confidence and may not be reproduced in any form or communicated to any other person, firm
or company without the prior approval of Aon.
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP)
Core Service Team
Client Relationship Manager Matthew Wilson
DDI: 07 837 7112
M: 027 473 2377
E: matthew.wilson@aon.com
Account Manager Andrew Carlson
DDI: 07 837 7131
M: 027 270 2524
E: andrew.carlson@aon.com
Account Broker Abbie Barrett
DDI: 07 837 7136
M:
E: abbie.barrett@aon.com
Claims Management Abbie Barrett
DDI: 07 837 7136
M:
E: abbie.barrett@aon.com
Office Details Hamilton Corporate
Aon House
85 Tristram Street
P O Box 1281
Hamilton 3204
T: 07 837 7100 | F: 07 838 3466
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 1Introduction This Insurance Manual provides a summary of your insurance programme for the Period of Insurance 1st November 2020 to 1st November 2021 and includes other general insurance related information and procedures to be followed in the event of a claim or incident/circumstance that could give rise to a claim. The brief individual policy summaries contained in this manual are incomplete in detail and are not intended to be a substitute for the actual policy wording contracts. Policy wordings and endorsements should be carefully read to ensure your understanding of your cover (including applicable limits, sub-limits and deductibles and your obligations). Please contact your Aon Account Manager, if you have any queries regarding information contained in this Insurance Manual. Andrew Carlson Account Manager Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 2
Important Notices
As your insurance advisor, we want to draw your attention to certain important matters that relate to your insurance.
For the purposes of this document, the following words (and any variation of them) that appear in bold shall mean the
following: (Edition: August 2018)
(i) Aon/we/us/our – Aon New Zealand; and
(ii) you – an Aon client who instructs us or for whom we may provide services.
1. Advice Given for Your Benefit 5. Claim Notification
Any advice, report or information that we provide is given solely for You are responsible for notifying claims or potential circumstances that
your benefit and cannot be given to or relied upon by any third party may give rise to a claim, in accordance with the terms of your policy. In
without our prior written consent. presenting a claim it is your responsibility to disclose all facts which are
material to the claim. You should familiarise yourself with the specific
coverage conditions and procedures relating to claims and their notification
2. Aon Terms of Business under the policy. Failure to adhere to those requirements and report a claim
Except as otherwise agreed (in writing), you agree that Aon's Terms of or circumstance in a timely manner, may jeopardise coverage or entitle
Business apply to the provision of our services. These terms are insurers to disclaim liability.
available here https://www.aon.co.nz/About-Aon/Terms-of-Business and
apply to all new business and renewals. You accept these terms by
continuing to instruct us. 6. Claims Made
Directors’ and Officers’ Liability, Crime, Professional Indemnity, and
Key provisions include: Trustees’ Liability policies, and some other liability policies are typically
▪ Our obligation to perform our services competently, with reasonable written on a “Claims Made” basis.
care, skill and integrity. This means that the policy responds to claims first made against you
▪ Your obligation to supply us with all material information and facts in and notified to the insurer in writing during the period of insurance,
relation to the provision of our services, (relevant information includes provided that the originating act or omission occurred after any
all information and facts that may be material to an insurer’s assess- retroactive date (see Retroactive Date below). Where you give notice in
ment of a risk for which you have asked us to arrange insurance cover). writing to the insurer of any facts that might give rise to a claim against
you as soon as reasonably practicable after you become aware of
▪ Our remuneration. Aon may receive consideration from insurers,
those facts, but before the expiry of the period of insurance, the policy
banks and/or finance companies with whom we place insurance
and associated services, on your behalf. will, subject to its terms and conditions, provide cover even if that claim
is made after the expiry of the period of insurance.
▪ Service and administration fees: minimum fees may apply;
In order to ensure any entitlement to indemnity under the policy is
▪ Limitation of liability: Among other things, to the extent permitted protected, you must report all incidents or circumstances that may give
by law: rise to a claim against you to the insurer without delay prior to expiration
our aggregate liability in respect of any claims howsoever arising in of the policy period.
connection with the terms or our services is limited to NZ$1
million or such other amount as may be expressly agreed between Retroactive Date
us in writing; and Directors’ and Officers’ Liability, Crime, Professional Indemnity, and
Trustees’ Liability policies, and some other liability policies are written on
we are not liable for any consequential, incidental, indirect or a “Claims Made” basis may have a retroactive date.
special damage or loss of any kind.
This means that coverage is limited to acts and omissions that occur or
are alleged to have been committed on or after the retroactive date. For
3. Business Description example, if you have a retroactive date of 1 July 2017, the policy will
It is important that the business description declared in your proposal not cover a claim arising from acts or omission occurring prior to that date.
for insurance is full and accurate. You need to check that this description If this applies, please ensure that the retroactive date you select is
is reflected accurately in the policy. Insurers will only indemnify you for sufficient and that you have no uncovered periods.
claims that arise from your business as described in the policy (subject to
the other terms of the policy).
7. Contractual Liabilities
Insurers may only provide indemnity for liabilities that arise from your
4. Change of Circumstances must be notified common law obligations arising from the conduct of your business.
It is also important that you advise your insurer of any material changes Where you have entered into a contract with another party that extends
to your business or circumstances (including location change, change your liability beyond what you would have been liable for had the
in size or value, increase in number of premises/ sites owned or occupied, contract not been in place, you may not be indemnified for these
any mergers or acquisitions, or the nature of business activities) that assumed liabilities under your policy. Further, you may not be
may occur during the period of insurance. We can assist you in indemnified for any express guarantees or warranties which extend beyond
notifying the insurer of any material changes or circumstances. common law obligations, unless liability would have attached in the
absence of any express guarantee or warranty.
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 38. Duty of Disclosure 12. Occurrence Basis
Before you enter into a contract of general insurance, you have a duty Combined General Liability, Material Damage/Business Interruption,
to disclose to the insurer every matter that you know, or could Travel, Aviation, Contract Works, and Marine policies and some other
reasonably be expected to know, may affect the insurer’s decision to policies are written on an “occurrence” basis. This means that the policy
insure you and on what terms. You have that duty after the proposal, and responds to claims when the incident occurred or when the injury, loss or
up until the time the insurer agrees to insure you. You have that duty damage manifested itself, not when the claim itself was received.
before you renew, extend, vary or reinstate a contract of general
insurance.
13. Policy Warranties and Conditions
You do not need to tell the insurer anything that: Your policy may contain warranties and/or conditions that may impose
▪ reduces the risk; specific obligations which must be complied with. Failure to do so may
invalidate your policy or enable insurers to disclaim liability.
▪ is common knowledge;
▪ your insurer knows or should know as an insurer; or 14. Recovery Rights/Hold Harmless/Waiver of Subrogation
▪ the insurer waives compliance with relating to your duty of Many policies exclude or limit the insurer's liability if you enter into an
disclosure. agreement that excludes or limits your rights of recovery against third
If you are uncertain about whether or not a particular matter should be parties whose acts, errors, omissions or other conduct have caused or
disclosed to the insurer, please contact your Aon Client Relationship contributed to your loss or liability.
Manager.
15. Schedule of Values or Property Insured
Non-disclosure In New Zealand, the Schedule of Values (also known as the Schedule of
If you do not tell your insurer anything you are required to, the insurer Property Insured) typically attaches to the policy so as to:
may cancel your contract or reduce the amount that it is required to
▪ Limit insured property to only those assets listed on that Schedule of
pay you if you make a claim, or both. If your failure to disclose is
Values;
fraudulent, the insurer may refuse to pay a claim and treat the contract as
if it never existed. ▪ Limit the maximum amount payable by the insurer for each asset to
its declared value on the Schedule of Values with or without a margin;
Disclosure by Subsidiary, Related & Associated Entities and
Where cover is arranged for subsidiary, related or associated entities, ▪ Record the time limits applying to the Business Interruption section of
those entities have the same duty of disclosure as the named insured. the policy.
Please ensure that each such entity is made aware of its disclosure To avoid assets being uninsured or underinsured, it is therefore imperative
obligations and makes the necessary disclosures in the proposals for that you carefully and thoroughly include and describe all insured
insurance. assets on that Schedule of Values and have updated valuations from a
registered insurance valuer for each insured asset prior to inception
9. Insured Description and renewal.
It is important that the description of all entities and persons sought to It also important to ensure that the business interruption indemnity
be insured in your proposal for insurance is full and accurate. You period is adequate for your business. When selecting the indemnity
need to check that this description is reflected accurately in the policy period, it is important to know that the indemnity period is not just the time
and policy schedule. it takes for your building to be restored or contents replaced. It is the
entire period that your business is affected by the disruption.
10. Interest of Other Parties
16. Understanding Your Policy Terms and Conditions
Your policy/policies may exclude cover for an interest in the insured
property held by someone other than the named insured, unless that Please carefully review all documents we give you (including policies and
interest is specifically noted on the policy. For example, if property is endorsements) containing the terms of your cover (including
jointly owned, leased or subject to finance, the interest of the joint applicable limits, sub-limits and deductibles and your obligations) to
owner, lessor or financier may be excluded if it is not specifically noted ensure that the cover suits your needs and so you understand and
on the policy. Generally, the safest course is always to have all comply with your obligations under your policies. Failure to do this may
interests in all property insured noted on each policy. If anyone other result in uninsured losses. Please advise your Aon Client Relationship
than you has an interest in property you are insuring, please let us know. Manager immediately if you notice any mistakes of fact or believe the
contents do not address your needs.
11. Leasing, Hiring and Borrowing Property
17. Utmost Good Faith
When you lease, hire or borrow property, plant or equipment, make
sure that the contract clearly identifies who is responsible to insure the Every contract of insurance is based on the principle of utmost good
property under contract. Please contact your Aon Client Relationship faith, requiring each party to act towards the other party in respect of
Manager should you have an obligation to insure such property. any matter arising under or in relation to the contract, with the utmost
good faith. If you fail to do so, you may prejudice your rights under the
policy and in particular, any claim.
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 4Insured Details
Insured The policy cover summaries contained in this manual insure the following
organisations unless otherwise stated in a summary of cover.
Waikato Local Authority Shared Services, incorporating the following
Councils/Organisations
Hamilton City Council
Hauraki District Council
Matamata Piako District Council
Otorohanga District Council
South Waikato District Council
Thames Coromandel District Council
Waikato District Council
Waikato Regional Council
Waipa District Council
Waitomo District Council
Business Description You have provided Aon and your insurer/s with the following description of your
business. All activities should be included. Please advise Aon if it is not accurate
or if there are any changes during the period of insurance.
Note, some policies include a specific ‘Insured Business Description/Insured
Services’ or similar wording section. Insurers will only indemnify you for claims
that arise from your business as described in the policy (subject to other terms
of the policy).
Any activity now or hereafter carried on by the Insured, including but not limited
to:
• Territorial Local Authority
• Council Controlled organisations and associated organisations
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 5Insurance Programme
Material Damage and Business Interruption Programme –
Primary Layer
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy wording.
The Policy Covers Subject to the limits, sub-limits, terms, exclusions, and conditions of the Policy, Policy
Schedule and Schedule of Declared Values:
Section 1 – Material Damage
Covers damage unforeseen and unintended by the insured to insured property at the
location/s shown in the schedule of declared values.
Section 2 – Business Interruption
Covers loss resulting from interruption or interference with the business carried on by the
insured at the premises in consequence of insured damage.
Period of Insurance From 4.00 p.m. 1 November 2020 to 4.00 p.m. 1 November 2021 local time
The Insured Waikato Lass, including each of the following Councils
Hamilton City Council
Hauraki District Council
Matamata Piako District Council
Otorohanga District Council
South Waikato District Council
Thames Coromandel District Council
Waikato District Council
Waikato Regional Council
Waipa District Council
Waitomo District Council
and/or associated and/or subsidiary companies and/or Council Controlled Organisations
for their respective rights and interests and/or as may be agreed.
Business Any activity now or hereafter carried on by the Insured, including but not limited to:
• Territorial Local Authority
• Council Controlled organisations and associated organisations
SECTION 1: Material Damage
Limit of Liability Combined Limit of Liability in respect of Section 1 Material Damage $150,000,000
and Section 2 Business Interruption in the annual aggregate during
the period of insurance
The Limit of Liability in respect of Section 1 Material Damage for any
one loss and all losses in the aggregate during the period of
insurance, resulting from fire including fire occasioned by or through
or in consequence of any perils (including natural disaster) is $125,000,000
Sums Insured Hamilton City Council $1,198,282,598
Hauraki District Council $120,021,880
Matamata Piako District Council $176,966,460
Otorohanga District Council $48,457,642
South Waikato District Council $119,866,575
Thames Coromandel District Council $283,550,001
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 6SECTION 1: Material Damage
Waikato District Council $262,520,612
Waikato Regional Council $110,394,470
Waipa District Council $332,678,187
Waitomo District Council $105,418,984
Total Declared Values for Section 1 Material Damage $2,762,025,410
Values at risk at each location are as per the Schedule of Declared
Values dated November 2020
Sub-Limits 3.2(d) Works of Art, Curios and Antiques (Any One Loss) $150,000
Sub-limits apply in excess of
policy deductibles 5.2 Alternative Residential Accommodation $50,000
5.3 Capital Additions $1,000,000
5.5 Contractual Value $50,000
5.6 Electrical Damage $10,000
5.9 Gradual Damage $50,000
5.11 Illegal Drug Contamination any one event $20,000
during the period of insurance $100,000
5.12 Keys and Locks $25,000
5.13 Landslip $2,000,000
5.14 Money Section A $100,000
Section B $10,000
5.17 Property in the Course of Construction (Max any one contract) $2,000,000
5.26 Restoration and Reproduction Costs – Proof Materials $100,000
5.28 Spoilage $25,000
5.29 Subsidence $2,000,000
5.30 Sustainable Rebuilding Costs $100,000
5.32 Transit of Property $500,000
5.34 Unspecified Locations $250,000
Local Authority Endorsements
Maori Artefacts – Cultural Costs $10,000
Portable Business Equipment (Anywhere in New Zealand) $20,000
Property in or on the water any one event $25,000
during the period of insurance $100,000
Additional Sub Limits Fire, including fire occasioned by or through or in consequence of any
perils (including natural disaster) insured under Section 1 of the policy
– any one loss and all losses in the aggregate during the period of
insurance. The following Fire Loss Limits specify the limit any one
loss and all losses in the aggregate during the period of insurance in
respect of the applicable Insured.
Hamilton City Council $120,000,000
Hauraki District Council $30,000,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 7SECTION 1: Material Damage
Matamata Piako District Council $15,000,000
Otorohanga District Council $7,500,000
South Waikato District Council $30,000,000
Thames Coromandel District Council $30,000,000
Waikato District Council $25,000,000
Waikato Regional Council $45,000,000
Waipa District Council $30,000,000
Waitomo District Council $15,000,000
Optional Extensions 6.1 Declaration Stock Conditions Not Included
6.2 Machinery Breakdown Not Included
6.3 Pressure Vessel $25,000
SECTION 2: Business Interruption
Limit of Liability $107,178,338
Sums Insured Item No. 1 Gross Profit Not Insured
Item No. 2 Gross Revenue – as itemised below $45,669,697
- Hamilton City Council $37,636,946
- Hauraki District Council $1,500,000
- Matamata Piako District Council $0
- Otorohanga District Council $142,225
- South Waikato District Council $0
- Thames Coromandel District Council $1,200,000
- Waikato District Council $1,655,517
- Waikato Regional Council $0
- Waipa District Council $2,196,000
- Waitomo District Council $1,339,000
Item No. 3 – Gross Rentals (Rents Receivable) – as
itemised below $6,908,641
- Hamilton City Council $0
- Hauraki District Council $100,000
- Matamata Piako District Council $0
- Otorohanga District Council $0
- South Waikato District Council $1,421,734
- Thames Coromandel District Council $100,000
- Waikato District Council $1,536,288
- Waikato Regional Council $200,000
- Waipa District Council $3,329,619
- Waitomo District Council $321,000
Item No. 4 Payroll Wages Not Insured
Item No. 5 Payroll (Dual Wages) Not Insured
Item No. 6 Additional Costs (Shared) $10,000,000
Additional Costs Hamilton City Council $40,000,000
Additional Costs Waikato Regional Council $2,100,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 8SECTION 2: Business Interruption
Item No. 7 Redeployment Expenses Not Insured
Item No. 8 Research Establishment Expenditure Not Insured
Item No. 9 Severance and Redundancy Payments Not Insured
Item No. 10 Claims Preparation Costs (Shared) $2,500,000
Item No. 11 Outstanding Debtor Balances Not Insured
Total Sum Insured for Section 2 Business Interruption $107,278,337
Values at risk at each location are as per the Schedule of Declared Values dated
November 2020
Premises All premises owned or occupied by the insured, including locations and all other places
where the insured property is used or to be used for the purpose of the business, anywhere in
New Zealand.
Indemnity Period As per the schedule of declared values dated November 2020
Sub Limits of Liability 9.2 Acts of Civil Authorities – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
9.4 Contractual Commitments $100,000
9.7 Dependency – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
9.9 Fumes, Gases and Toxic Chemicals – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
DEDUCTIBLES: Non-Natural Disaster (inclusive of GST)
Material Damage The Non-Natural Disaster Deductible applies to each and every combined Material
Damage and Business Interruption loss or series of losses arising from one event.
Each and every loss or series of losses arising from one event
All Councils, other than noted below $10,000
Otorohanga District Council $5,000
Except for:
Landslip or Subsidence all Councils $25,000
Flood Claims - Thames Coromandel District Council only $100,000
Business Interruption 9.2 Acts of Civil Authorities 24 hours
9.7 Dependency 24 hours
9.9 Fumes, Gases and Toxic Chemicals 24 hours
Except for:
9.7.2(c) Dependency – Transport Routes 7 days
9.7.3 Dependency – Utilities 24 hours
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 9DEDUCTIBLES: Natural Disaster (inclusive of GST)
The natural disaster deductible will be calculated as shown below and applies to the combined Material Damage
and Business Interruption loss for any one event at each location where there is damage.
2.5% of the Material Damage location sum insured but not less $10,000
than
or, for Pre-1935 Risks:
10% of the Material Damage location sum insured but not less than $10,000
Other Business 9.2 Acts of Civil Authorities 21 days
Interruption Deductibles
9.7 Dependency 21 days
9.9 Fumes, Gases and Toxic Chemicals 21 days
Endorsements
Insurer Endorsements Berkshire Hathaway Vertex MDBI Policy -BHSI Endorsements 0619
Communicable Disease Exclusion LMA5393
Property Cyber and Data Endorsement LMA5400
Additional Endorsements Fire Endorsement
Aon Local Authority Endorsements
Warranties / Fire Service Levy
Special Conditions
General Policy Information
Policy Wording 1217 Vertex New Zealand Material Damage and Business Interruption
Insurer AIG Insurance New Zealand Ltd (Lead Insurer)
Policy Number SR 007346
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 10Material Damage and Business Interruption Programme –
Excess Layer
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy wording.
The Policy Covers Subject to the limits, sub-limits, terms, exclusions, and conditions of the Policy, Policy
Schedule and Schedule of Declared Values:
Section 1 – Material Damage
Covers damage unforeseen and unintended by the insured to insured property at the
location/s shown in the schedule of declared values.
Section 2 – Business Interruption
Covers loss resulting from interruption or interference with the business carried on by the
insured at the premises in consequence of insured damage.
Period of Insurance From 4.00 p.m. 1 November 2020 to 4.00 p.m. 1 November 2021 local time
The Insured Waikato Lass, including each of the following Councils
Hamilton City Council
Waikato Regional Council
and/or associated and/or subsidiary companies and/or Council Controlled Organisations
for their respective rights and interests and/or as may be agreed.
Business Any activity now or hereafter carried on by the Insured, including but not limited to:
• Territorial Local Authority
• Council Controlled organisations and associated organisations
SECTION 1: Material Damage
Limit of Liability Combined Limit of Liability in respect of Section 1 Material Damage $150,000,000
and Section 2 Business Interruption in the annual aggregate during
the period of insurance, in excess of the Primary Policy
$150,000,000, which is in turn in excess of the deductibles applying
to the Primary Policy.
Sums Insured Hamilton City Council $1,198,282,598
Waikato Regional Council $110,394,470
Total Declared Values for Section 1 Material Damage $1,308,677,068
Values at risk at each location are as per the Schedule of Declared
Values dated November 2020
Sub-Limits 3.2(d) Works of Art, Curios and Antiques (Any One Loss) Not Applicable
Sub-limits apply in excess of
policy deductibles 5.2 Alternative Residential Accommodation Not Applicable
5.3 Capital Additions Not Applicable
5.5 Contractual Value Not Applicable
5.6 Electrical Damage Not Applicable
5.9 Gradual Damage Not Applicable
5.11 Illegal Drug Contamination any one event Not Applicable
during the period of insurance
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 11SECTION 1: Material Damage
5.12 Keys and Locks Not Applicable
5.13 Landslip Not Applicable
5.14 Money Section A Not Applicable
Section B
5.17 Property in the Course of Construction Not Applicable
5.26 Restoration and Reproduction Costs – Proof Materials Not Applicable
5.28 Spoilage Not Applicable
5.29 Subsidence Not Applicable
5.30 Sustainable Rebuilding Costs Not Applicable
5.32 Transit of Property Not Applicable
5.34 Unspecified Locations Not Applicable
Local Authority Endorsements
Maori Artefacts – Cultural Costs Not Applicable
Portable Business Equipment (Anywhere in New Zealand) Not Applicable
Property in or on the water any one event Not Applicable
during the period of insurance Not Applicable
Optional Extensions 6.1 Declaration Stock Conditions Not Applicable
6.2 Machinery Breakdown Not Applicable
6.3 Pressure Vessel Not Applicable
SECTION 2: Business Interruption
Limit of Liability $81,548,057
Sums Insured Item No. 1 Gross Profit Not Insured
Item No. 2 Gross Revenue – as itemised below $37,636,946
- Hamilton City Council $37,636,946
- Waikato Regional Council $0
Item No. 3 – Gross Rentals (Rents Receivable)
- Hamilton City Council $0
- Waikato Regional Council $200,000
Item No. 4 Payroll Wages Not Insured
Item No. 5 Payroll (Dual Wages) Not Insured
Item No. 6 Additional Costs Shared $1,111,111
Additional Costs Hamilton City Council $40,000,000
Additional Costs Waikato Regional Council $2,100,000
Item No. 7 Redeployment Expenses Not Insured
Item No. 8 Research Establishment Expenditure Not Insured
Item No. 9 Severance and Redundancy Payments Not Insured
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 12SECTION 2: Business Interruption
Item No. 10 Claims Preparation Costs (Shared) $500,000
Item No. 11 Outstanding Debtor Balances Not Insured
Total Sum Insured for Section 2 Business Interruption $81,548,057
Values at risk at each location are as per the Schedule of Declared Values dated
November 2020
Premises All premises owned or occupied by the insured, including locations and all other places
where the insured property is used or to be used for the purpose of the business, anywhere in
New Zealand.
Indemnity Period As per the schedule of declared values November 2020
Sub Limits of Liability 9.2 Acts of Civil Authorities – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
9.4 Contractual Commitments $100,000
9.7 Dependency – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
9.9 Fumes, Gases and Toxic Chemicals – 10% of the total
Business Interruption sum insured subject to a maximum $1,000,000
Endorsements
Insurer Endorsements Berkshire Hathaway Vertex MDBI Policy -BHSI Endorsements 0619
Communicable Disease Exclusion LMA5393
Property Cyber and Data Endorsement LMA5400
Additional Endorsements Fire Exclusion
Aon Local Authority Endorsements
General Policy Information
Policy Wording 1217 Vertex New Zealand Material Damage and Business Interruption
Insurer Vero Insurance New Zealand Limited
Policy Number ISR 4434110
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 13Commercial Motor Vehicle
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy.
The Policy Covers Subject to the limits, sub-limits, terms, exclusions and, conditions of the Policy and Policy
Schedule:
Section 1 – Own Damage
Covers the Insured against theft of, or Accidental Damage or Malicious Damage to each
Insured Vehicle and their Accessories.
Section 2 – Third Party Liability – Property Damage and Bodily Injury
Covers the Insured against legal liability for compensation and damages and claimant’s
costs and expenses caused by, through or in connection with the use of an Insured
Vehicle.
Period of Insurance From 4.00 p.m. 1 November 2020 to 4.00 p.m. 1 November 2021
The Insured Waikato Lass, including each of the following Councils
Hamilton City Council
Hauraki District Council
Matamata Piako District Council
Otorohanga District Council
South Waikato District Council
Thames Coromandel District Council
Waikato District Council
Waikato Regional Council
Waipa District Council
Waitomo District Council
and/or associated and/or subsidiary companies and/or Council Controlled Organisations
for their respective rights and interests and/or as may be agreed.
Business Any activity now or hereafter carried on by the Insured, including but not limited to:
• Territorial Local Authority
• Council Controlled organisations and associated organisations
Description of Cover Own Damage and Third Party Liability
Both Sections of the Policy will operate.
Interests Insured / All motor vehicles presently existing or subsequently acquired, owned, hired (in and out),
Insured Vehicles leased, rented, loaned, borrowed, or used by or on behalf of the Insured, or are in the lawful
custody or control of the Insured, or in which the Insured has an insurable interest or for
which the Insured has received instructions to insure.
Insured Vehicles also includes motor cycles, trailers, caravans, mobile plant and equipment,
tractors, self-propelled agricultural machines, substitute vehicles and accessories.
Vehicle Details Number of Insured Vehicles 1,241
Total Fleet Value $34,076,898
Territorial Limits Anywhere in New Zealand
Limits of Liability Section 1 - Own Damage
Market Value of the Insured Vehicle or any Agreed Value as specified in the Schedule
of Motor Vehicles
Cars, four wheel drives and utility vehicles less than 24 months old and weighing under
3,500kg are covered for replacement, subject to local availability
Section 2 – Third Party Liability
Third Party Property Damage $20,000,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 14Third Party Bodily Injury $20,000,000
Aggregate Limit $20,000,000
Airside Liability $2,000,000
Sub Limits of Liability In respect of the following Extensions payable under Section 1 and Section 2, the liability
of the insurer shall be limited for any one claim to the amount stated hereunder.
5.1 Additional Vehicles – Maximum any one vehicle $400,000
5.2 Claims Preparation Costs $20,000
5.4 Crisis Cover $10,000
7.3 Death by Accident $10,000
7.4 Disability Modification $5,000
7.6 Employee Personal Property $2,000
7.8 Expediting Costs $5,000
7.9 Family Expenses on Hospitalisation $5,000
7.10 First Aid $2,500
7.11 Funeral Expenses $5,000
7.12 Goods in Transit $5,000
7.13 Hire Costs following theft of vehicles per day $250
7.17 Locks and Keys per vehicle $5,000
per event $15,000
7.18 Medical and Related Expenses $5,000
7.20 Removal of Debris $10,000
7.21 Rewards $10,000
7.23 Signwriting $5,000
7.25 Uninsured Third Party Protection $5,000
11.7 Psychological Counselling $5,000
11.9 Airside Liability $2,000,000
11.10 Weight Damage $500,000
11.11 Exemplary Damages $500,000
Deductibles Standard Excess – 1% of the vehicle sum insured, subject to a
minimum excess of $500
Plus Age and Inexperienced Driver Excess applicable to all
Insured Vehicles, when being driven by any person:
Under 21 years of age $1,000
Aged 21 to 25 years of age $500
Over 25 years and licensed less than 2 years $500
Except for:
14.8.1 Glass $Nil
14.8.2 Fire or Theft Claims $Nil
14.8.3 Third party Liability $Nil
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 15Optional Endorsements 15.1 Agreed Value Not Included
15.2 Aggregate Deductible Without Stop Loss Not Included
Annual Aggregate Deductible
15.3 Aggregate Deductible With Stop Loss Not Includes
Annual Aggregate Deductible N/A
Event Stop Loss Limit N/A
15.4 Australian Cover Not Included
15.5 Territorial Limits beyond New Zealand and Australia Not Included
15.6 Loss of Use (Specified Vehicles) Not Included
Maximum Weekly Amount N/A
15.7 Dual/Multi Lifts Not Included
15.8 Hook Liability Not Included
15.9 Inexperienced Drivers Not Included
15.10 Repair Authority Not Included
15.11 Setting of Concrete or Bitumen Not Included
15.12 Vehicles Let on Hire Not Included
15.13 Vehicle Plant Replacement Value Not Included
15.14 Vehicles used as a Tool of Trade Not Included
15.15 Burning Cost Adjustment Not Included
Deposit Premium N/A
Maximum Premium N/A
Minimum Premium N/A
Adjustment Ratio N/A
15.16 Profit Share Not Included
15.17 Hire Costs Extended Not Included
15.18 Scanners/Eftpos/Wireless Remote Controls/Wireless Not Included
Printers
15.19 Radioactive Isotopes Not Included
Policy Wording Aon Vertex Commercial Motor Vehicle Policy (ARSNZ0012 0516)
Insurer NZI, a business division of IAG NZ Ltd 100%
Policy Number 6000118349
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 16Corporate Travel
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy.
The Policy Covers Subject to the limits, terms, exclusions and conditions of the Policy and Policy Schedule
Covers various travel related risks whilst an insured person is on:
▪ International business travel
Including:
▪ Medical and Related Expenses ▪ Missed Transport Connection
▪ Cancellation & Loss of Deposits ▪ Rental Vehicle Excess
▪ Baggage & Personal Effects ▪ Kidnap, Ransom and Extortion
▪ Personal Accident & Sickness ▪ Personal Liability
▪ Alternative Employee / Resumption of ▪ Search and Rescue.
Assignment ▪ Political Risk and Natural
Disaster Evacuation
Policy Period From 1 November 2020 at 4.00 p.m. to 1 November 2021 at 4.00 p.m.
Insured Waikato Lass, including each of the following Councils
Hamilton City Council
Thames Coromandel District Council
Waikato Regional Council
Waipa District Council
and/or associated and/or subsidiary companies and/or Council Controlled Organisations
for their respective rights and interests and/or as may be agreed.
Insured Persons Category Description
All directors, executives, employees and authorised personnel of the Policyholder, and
including their spouse or partner and Dependent Children.
Territory Worldwide
Policy Jurisdiction New Zealand
Aggregate Limit
Limits of Liability A $2,500,000 Any one Accident or Occurrence
B $1,000,000 Non-scheduled Air Travel
C $2,500,000 Kidnap, Ransom & Extortion
D $100,000 Political Unrest & Natural Disaster Evacuation
E $100,000 Search & Rescue Expenses
F $250,000 Specialist Security Services
Endorsements Main Policy Exclusions (All sections)
• Cosmetic, Elective or Plastic Surgery
• Sexually transmitted disease
• Treatment or services covered by ACC
• Professional or medical services rendered in any jurisdiction where the
Insurer is prohibited from paying those expenses in that jurisdiction
• An insured person engaging in training/participating in professional sport of
any kind; or flying in an aircraft or aerial device other than in an aircraft licensed
to carry passengers.
• Loss under any section as a direct or indirect result of a pre-existing
condition(s) of an Insured Person who is age 90 or over.
• Amounts recoverable from any other source
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 17Warranties/Subjectivities Nil
Policy Wording Berkshire Hathaway Speciality Insurance Corporate Travel Insurance Policy Wording
BSHI-NZ-AH-CTI-001-10218
Insurer Berkshire Hathaway Specialty Insurance 100%
Policy Number 47-ZAH-008315-03
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 18Schedule of Compensation
Maximum Compensation Payable for Each Insured Person for each Period of Travel
SECTION 1 BHSI Care and Concierge
BHSI Care and Concierge can be contacted by an Insured Person anytime, Included
anywhere in the world, without any additional charge to the Insured Person, by
calling -64 9 356 2320
SECTION 2 Overseas Medical and Evacuation
Unlimited
SECTION 3 Cancellation and Disruption
Cancellation and Loss of Deposits Unlimited
Missed Transport Connection $10,000
Overbooked Flights $5,000
SECTION 4 Baggage and Personal Effects
Deprivation of Baggage $5,000
Baggage $250,000
Limit any One Item $10,000
Money and Travel Documents $5,000
Mobile Electronic Equipment (Excess of $250) $10,000
Tools of Trade (Courier Costs) $20,000
SECTION 5 Personal Accident and Sickness
Event 1 – Accidental Death $250,000
Event 2 – Permanent Total Disablement $250,000
Events 3 to 18 – Other Permanent Disablement $250,000
Event 19 – Temporary Total Disablement (Injury)
85% of weekly Income to a maximum of:
Payable for up to 156 weeks and subject to an Excess period of 7 days $2,000
Event 37 – Temporary Total Disablement (Sickness) Not Insured
Personal Accident and Sickness
SECTION 5 (Sum Insured for the Spouse/Partners and Dependent Children)
Accompanying Spouse/Partner
Event 1 – Accidental Death $250,000
Event 2 – Permanent Total Disablement $250,000
Events 3 to 18 – Other Permanent Disablement $250,000
Event 19 – Temporary Total Disablement (Injury)
85% of weekly Income to a maximum of:
Payable for up to 156 weeks and subject to an Excess period of 7 days $2,000
Event 37 – Temporary Total Disablement (Sickness) Not Insured
Events 1-18 Dependent Children under 18 years of age $20,000
Events 1-18 Dependent Children Under 10 years of age $2,000
SECTION 5 Personal Accident and Sickness Events 21 to 42
Events 21 to 29 – Fractured Bones $5,000
Events 30 to 34 – Injury Resulting in Surgery $20,000
Events 35 to 36 – Injury Resulting in Loss or Damage to Teeth $250
Events 39 to 42 – Sickness Resulting in Surgery $20,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 19Maximum Compensation Payable for Each Insured Person for each Period of Travel
SECTION 6 Vehicle Excess Waiver
Rental or Personal Vehicles Excess $5,000
Towing Expense $2,000
SECTION 7 Personal Liability
Personal Liability $5,000,000
Identity Theft $20,000
SECTION 8 Kidnap Ransom and Detention
Kidnap, Ransom and Extortion $500,000
Hijack and Detention
$1,000 per day up to a maximum of: $20,000
SECTION 9 Political and Natural Disaster Evacuation
Political and Natural Disaster Evacuation $50,000
SECTION 10 Search and Rescue
Search and Rescue Expenses $20,000
SECTION 11 Alternative Employee / Resumption of Assignment
Alternative Employee / Resumption of Assignment $20,000
SECTION 12 BHSI Health
Accidental H.I.V Infection Benefit $30,000
Bed Care Benefit
$200 per day up to a maximum of: 30 days
Coma Benefit
$500 per week up to a maximum of: 26 weeks
Loss of Daily Activities Benefit $25,000
Loss of Life Benefit $50,000
Modification Benefit $10,000
Premature Birth/Miscarriage Benefit $5,000
Rehabilitation Benefit $3,000
Repatriation & Funeral Expenses Benefit $50,000
Terrorism Benefit $5,000
Trauma Benefit $1,000
SECTION 12 BHSI Wellbeing
Accommodation and Transport Expenses $10,000
Chauffeur Benefit $1,500
Childcare Benefit $5,000
Corporate Image Protection $15,000
Dependent Image Protection
$10,000 per Dependent Child up to a maximum of: $30,000
Domestic Help Benefit for Accompanying Spouse or Partner
$500 per week up to a maximum of: 26 weeks
Education Fund Benefit $5,000
Executor Emergency Cash Advance Benefit $5,000
Home Burglary Excess Benefit $500
Independent Financial Advice Benefit $5,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 20Maximum Compensation Payable for Each Insured Person for each Period of Travel
Lock and Key Benefit $1,500
Orphan Benefit
$10,000 per Dependent Child up to a maximum of: $30,000
Out of Pocket Expenses Benefit $5,000
Personal Financial Loss $15,000
Pet Boarding Expenses
$250 per day to a maximum of: $2,500
Repatriation of Belongings $1,000
Replacement Staff/Recruitment Costs $5,000
Specialist Security Services $50,000
Spouse or Partner Accidental Death Benefit $25,000
Spouse or Partner Employment Training Benefit $10,000
Student Tutorial Benefit
$500 per week up to a maximum of: 26 weeks
Superannuation Scheme Contribution Benefit $50,000
Unexpired Membership Benefit $3,000
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 21General Liability – Primary Layer
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy.
The Policy Covers Provides cover in respect of negligent actions of the insured which gives rise to claims by
third parties who suffer property damage or personal injury; cover includes associated
defence costs.
Period of Insurance From 4.00 p.m. 1 November 2020 to 4.00 p.m. 1 November 2021
The Insured Each of the following Councils
Hamilton City Council
Thames Coromandel District Council
South Waikato District Council
Waikato District Council
and/or associated and/or subsidiary companies and/or Council Controlled Organisations
for their respective rights and interests and/or as may be agreed.
Business Description Any activity now or hereafter carried on by the Insured, including but not limited to:
• Territorial Local Authority
• Ownership and occupier of premises
Limit of Liability General Liability Any one occurrence $15,000,000
Products Liability Any one occurrence and in the aggregate $15,000,000
Territory New Zealand
Jurisdiction New Zealand
Sub Limits of Liability Employees Property Extension $1,000,000
Hall Hirers Liability Extension $15,000,000
Indemnity to Ratepayers Extension $1,000,000
Mechanical Plant Liability $15,000,000
Product Withdrawal Costs $100,000
Property in Care, Custody & Control $1,000,000
Punitive or Exemplary Damages $1,000,000
Tenants Liability $15,000,000
Underground Services $15,000,000
Vehicle & Watercraft Service /Repair Liability $500,000
Vibration & Removal of Support $500,000
Visits to North American Countries $15,000,000
Excess Each and every claim $10,000
Endorsements 1. Additional Insured Endorsement
The definition of ‘Insured’ is extended in include the Councillors and/or the Elected
Representatives of the Council.
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 222. Employees Property Extension
Notwithstanding anything to the contrary in the Policy, it is understood and agreed that
the Policy shall extend to cover the legal liability arising out of loss or damage to property
belonging to the Insured’s employees and/or the elected members of the Insured.
The Insurers liability under this extension shall be limited to $1,000,000, which is part of
and not in addition to the Limit of Liability.
3. Hall Hirers Liability Extension
In respect of properties operated and/or owned by the Insured, the definition of ‘You’ is
extended to include Community & Sporting Groups, individuals, commercial groups and
the like, who use and hire the properties operated or owned by the Insured in relation to
all activities related to the hireage or use of these properties, and who do not hold
Liability Insurance that would respond to any legal liability incurred.
4. Indemnity to Ratepayers Extension
The Insurer will indemnify Ratepayers and/or residents for the legal liability arising out of:
a) The use of lawnmowers when mowing of public thoroughfares;
b) Garbage receptacles placed on a public thoroughfare;
c) The use or presence of shelters, cream sheds, rural mailboxes, calf pens, grocery
and newspaper and similar structures where placed, erected or maintained upon a
public road with our consent.
The Insurers liability under this extension shall be limited to $1,000,000, which is part of
and not in addition to the Limit of Liability.
5. Sanctions Clause
Insurer(s) will not be liable to provide any coverage or make any payment hereunder if to
do so would be in violation of any sanctions law or regulation which would expose us, our
parent company or its ultimate controlling entity to any penalty under any sanctions law
or regulation.
All other terms and conditions of this Policy remain unchanged.
6. Aviation & Airport Operators Exclusion
The Insurer(s) shall not be liable in respect of any Claim arising out of:
1. the operation of or responsibility for, by or on behalf of the Insured, any air
traffic control service;
2. the ownership, maintenance, operation, possession or use by or on behalf the
Insured of any aircraft or aerial device;
3. the ownership, maintenance, operation, possession by or on behalf the Insured
of any airport, or any airside services;
4. any Bodily Injury arising from any aircraft or aerial device;
5. any Property Damage to, or arising from, any aircraft or aerial device; or
6. any liability that is intended to be covered by any Airport Owners and Operators
Liability policy, whether such policy indemnifies the Insured for the specific
liability incurred or not.
All other terms and conditions of this Policy remain unchanged.
7. Marina Operators Liability Exclusion
The Insurer(s) shall not be liable in respect of any Claim arising out of any:
a) port, marina or terminal operation;
b) stevedoring or wharfingering;
c) ship refuelling or devanning;
d) operation of any dry docks, docks, wharves, slipways or ramps;
e) marine engineering, construction or repairing; or
f) any liability that is intended to be covered by any Port/Terminal Owners and
Operators, Marine Hull or Marine Protection and Indemnity or similar policy
whether such policy indemnifies the Insured for the specific liability incurred or not.
All other terms and conditions of this Policy remain unchanged.
8. Contract Works – Maximum Contract Value Endorsement
The following Definition is added to the Policy:
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 23Contract Works means any work that the Insured or a contractor or sub-contractor
contracted by the Insured is employed to do that involves building, construction or
carrying out repairs, alterations, extensions or demolition of any building, structure or
infrastructure project carried out in the course of the contract.
The following Exclusion is added to the Policy:
Contract Works
The Insurer(s) shall not indemnity the Insured for any claim in respect of or alleging
Personal Injury or Property Damage arising out of or in connection with any Contract
Works, where the total value of the Contract Works exceeds $5,000,000, regardless of
whether the Contract Works are Insured or not.
All other terms of this Policy remain unchanged.
Lead Co-Insurance Clause
In this Policy, and unless the context requires otherwise, all references to Insurer(s) is
deemed to be Berkshire Hathaway Specialty Insurance Company ‘BHSI’ ("the Lead
Insurer”) and all other insurers participating in this Policy.
The participating insurers agree to accept any decision of the Lead Insurer and to follow
that decision in all matters relating to this Policy, other than in respect of any ex-gratia
settlement proposed by the Lead Insurer or where there is a material change to the risk/s
insured under this Policy.
The participating Insurers promises under this agreement and obligations under this
Policy are joint in so far as the Policy indemnities apply but each participating insurer's
liability for any claim under this Policy is several and is limited solely to the extent of its
proportionate share as tabled below.
No participating insurer is to be held liable to contribute towards or pay the proportionate
share of any other participating insurer who for any reason, howsoever arising, cannot or
does not satisfy all or part of its obligations under this Policy.
The Policy is issued and signed by the authorised representative of the Lead Insurer
under the authority of all participating Insurers.
All other terms and conditions of this Policy remain unchanged.
Policy Wording BHSI Combined General Liability & Products Liability Insurance for Councils
Insurer Berkshire Hathaway Speciality Insurance Company 60%
QBE Insurance (Australia) Ltd 40%
Policy Number Refer to individual Council policy
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 24Statutory Liability
This summary of cover has been prepared for general reference only. Nothing contained herein prevails over the terms,
conditions and exclusions of the policy.
The Policy Covers Provides cover to the company, employees and directors, to defend and pay fines (to the
extent allowable by law) and reparations in respect of prosecutions that can give rise to a
criminal offence, and arise out of an inadvertent breach of most New Zealand statutes.
Period of Insurance From 4.00 p.m. 1 November 2020 to 4.00 p.m. 1 November 2021
The Insured Each of the following Councils
Hamilton City Council
Hauraki District Council
Matamata Piako District Council
Otorohanga District Council
South Waikato District Council
Thames Coromandel District Council
Waikato District Council
Waikato Regional Council
Waipa District Council
Waitomo District Council
Business Description Any activity now or hereafter carried on by the Insured, including but not limited to:
• Territorial Local Authority
Limit of Liability Fines & Reparations (excluding Defence Costs)
- All Councils (excluding Thames Coromandel District Council) -
Any one claim and in the aggregate any one period of insurance. $1,000,000
- Thames Coromandel District Council – Any one claim and in the
aggregate any one period of insurance. $2,500,000
Defence Costs
- All Councils (excluding Thames Coromandel District Council) -
Any one claim and in the aggregate any one period of insurance. $1,000,000
- Thames Coromandel District Council – Any one claim and in the
aggregate any one period of insurance. $2,500,000
Territory New Zealand
Jurisdiction New Zealand
Retroactive Date Unlimited
Excess Each and every claim including costs and expenses $10,000
Except for:
Each and every claim relating to the Health and Safety at Work Act, $25,000
and the Resource Management Act
Endorsements 1. Discovery Period
- Not Included
2. Advancement of Defence Costs
- Not included
Securities Exclusion
The Insurer will not be liable to indemnify the Insured in respect of any Claim based on or
attributable to:
a) any actual or alleged violation of any Act of Parliament concerning any
securities of the Company; or
Business Excellence | 2020 Insurance Manual - Waikato LASS (WIP) 25You can also read
