Cover of up to $20M for higher hazard occupations, with coverage and deductibles which can be tailored to your client’s requirements.
Higher Hazard Liability
Help protect your client’s higher risk business with Higher Hazard Liability Insurance.
What makes Vero Higher Hazard Liability Insurance stand out?
Our Vero Specialty Lines Higher Hazard Liability Insurance offers specialised solutions which can be tailored to well-managed, higher severity occupations including trades, forestry and chemical manufacturing.
Up to $20M capacity for higher hazard occupations
Personal Injury
Legal liability cover if your client’s business or products cause personal injury to a third party (other than an employee) including illness, bodily injury and psychological injury.
Damage to property
Legal liability cover if your client’s business or products cause property damage to a third party.
Up to $1 million Product Recall Expenses
Cover for reasonable product recall expenses necessary due to:
- an accidental omission of a substance or introduction of a harmful substance in the manufacture of your client’s product
- an unintentional error or deficiency in manufacture or labelling of your client’s product, or
- a government or regulatory body requiring your business to recall your client’s product due to one of the points above
Product Errors and Omissions up to $500,000
Cover for financial loss caused by any negligent act, error or omission in connection with your client’s products
Property in your client’s business’s care, custody or control up to $500,000
Cover for loss or damage to property in your client’s business’s care, custody or control.
Claims preparation costs up to $25,000
Cover for reasonable costs incurred in preparing and presenting a claim, including professional fees.
Incidental drone usage in the business
Cover for personal injury or property damage caused by incidental drone usage.
Advertising injury
Cover for loss caused by unintentional defamation, copyright infringement or breach of consumer protection legislation committed or alleged to have been committed through your client’s business’s advertising activities.
What is covered:
Defective work
We do not cover the cost of performing, completing, correcting or improving any work done or undertaken by your client’s business for defective work.
Employer’s Liability
We do not cover legal expenses related to an employee lawsuit arising from negligence due to a workplace injury.
Workers Compensation
Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
What is not covered:
Limits, conditions, and exclusions apply. For a full list of what’s covered and what’s not, please read the Policy Wording for full details.
Award Winning Claims Award Winning Claims
Vero provides award-winning claims service as evidenced by the Gold Mansfield Award for Claims Excellence which Vero has been awarded for five consecutive years (from 2020-2024), ensuring your clients are in safe hands in the moments that matter.
Why Choose Vero
Features & benefits
Check out these features and benefits in Vero insurance products.
Expertise, capability & underwriting service
Our skilled underwriting team provides extensive industry knowledge, nationwide reach and a team who understand your clients’ unique requirements. Plus, we’re committed to delivering exceptional customer service and building strong, long-term relationships every step of the way.
Tailored solutions
We offer significant capacity for higher hazard occupations of up to $20M, with coverage and deductibles which can be tailored to your client’s business needs.
Exceptional claims service
We're dedicated to you during claims, backed by a proven track record and industry recognition with five consecutive Gold Mansfield Awards for excellence in claims management.
Personalised claims contact
Every policy benefits from the expertise of a dedicated Claims Officer and a Claims Relationship Manager, ensuring tailored and responsive support every step of the way.
Comprehensive risk engineering
Vero’s risk engineering team can provide in-depth industry knowledge, risk management, reporting, training, and advice.
Broker training
Vero Specialty Lines offers comprehensive training to help brokers find better solutions for their clients, including webinars, face-to-face training by underwriters, loss bulletins and other educational materials.
Looking for something else?
Check out these other Vero Speciality Lines products.
RM Advancer Higher Hazard Property
Some property risks require more detailed information and risk assessments to obtain the right coverage. Our Higher Hazard Property Insurance can provide tailored solutions for well-managed, high-severity businesses in industries like timber, woodworking, plastics, and chemicals.
VSL Equipment Breakdown
Equipment Breakdown Insurance can help repair or replace essential equipment that businesses rely on daily, including electrical switchboards, telephones, lifts, air conditioning systems and production machinery.
Useful documents and FAQs
Frequently Asked Questions
Which businesses are considered higher hazard?
Businesses are classified as higher hazard when their operations involve significant risks of injury, property damage, or environmental harm. These include:
- Trades: Activities such as electrical work, plumbing, roofing, or mechanical work, which involve physical risks and potentially hazardous conditions.
- Forestry: Operations such as logging, tree removal, and land clearing, which present risks from heavy machinery, falling trees, and unpredictable environmental factors.
- Chemical Manufacturing: The production of chemicals, solvents, or other hazardous materials that pose risks of spills, explosions, or toxic exposures.
These industries face elevated liability exposures and require specialised coverage to address the unique risks associated with their activities. Check out the full list of occupations we provide cover for under our Appetite Guide.
How much higher hazard liability coverage do my clients need?
Our skilled team of dedicated underwriters can work with you to assess your specific risks and help determine adequate coverage. We assess factors such as the nature of your business activities, potential claim scenarios, industry regulations, and contract requirements. With the ability to provide Limits of Liability up to $20 million, we can tailor limits and deductibles to match your client’s needs.
What information do I need to provide to get a quote?
To help Vero provide your clients with appropriate solutions, please provide us with the following underwriting information:
- Full business name and a detailed description of operations.
- List of business locations, including any overseas risks.
- Comprehensive claims history, covering at least 5 years of paid and outstanding losses
- Turnover, wages, and details of contractor, subcontractor, and labour hire activities.
- Full product list, including specifics of imports and exports
- Links to insured websites, along with risk management and quality assurance protocols
Providing insurance with insight
At Vero, we offer more than just commercial insurance. We work in partnership with you to help build solutions for your clients, backed by market insight and forward thinking risk-management.
Long-term partnership
Vero’s proven long-term stability means you can engage with us confidently to build lasting relationships, ensuring no surprises along the way for you or your clients.
Over 190 Years of Experience
Excellence begins with insight, and our 190 years in insurance has seen us develop an approach that empowers brokers to find solutions to help protect businesses across Australia.
Up to $20M capacity for higher hazard occupations
Cover of up to $20M for higher hazard occupations, with coverage and deductibles which can be tailored to your client’s requirements.
Personal Injury
Legal liability cover if your client’s business or products cause personal injury to a third party (other than an employee) including illness, bodily injury and psychological injury.
Damage to property
Legal liability cover if your client’s business or products cause property damage to a third party.
Up to $1 million Product Recall Expenses
Cover for reasonable product recall expenses necessary due to:
- an accidental omission of a substance or introduction of a harmful substance in the manufacture of your client’s product
- an unintentional error or deficiency in manufacture or labelling of your client’s product, or
- a government or regulatory body requiring your business to recall your client’s product due to one of the points above
Product Errors and Omissions up to $500,000
Cover for financial loss caused by any negligent act, error or omission in connection with your client’s products
Property in your client’s business’s care, custody or control up to $500,000
Cover for loss or damage to property in your client’s business’s care, custody or control.
Claims preparation costs up to $25,000
Cover for reasonable costs incurred in preparing and presenting a claim, including professional fees.
Incidental drone usage in the business
Cover for personal injury or property damage caused by incidental drone usage.
Advertising injury
Cover for loss caused by unintentional defamation, copyright infringement or breach of consumer protection legislation committed or alleged to have been committed through your client’s business’s advertising activities.
Defective work
We do not cover the cost of performing, completing, correcting or improving any work done or undertaken by your client’s business for defective work.
Employer’s Liability
We do not cover legal expenses related to an employee lawsuit arising from negligence due to a workplace injury.
Workers Compensation
Injuries to employees are excluded because employees are usually covered for work-related injuries by workers compensation insurance.
