Our insurance schemes and what they mean for your production.

Personal accident insurance

New Zealand has a unique personal accident insurance environment based on a no-fault accident compensation insurance scheme.
While in New Zealand, this scheme trades your ability to sue for damages due to accident in exchange for automatic accident insurance cover.

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Worker compensation insurance

The Accident Compensation Corporation (ACC) provides comprehensive, no-fault personal injury cover for all New Zealand residents and visitors to New Zealand.

  • All New Zealand resident workers are covered by ACC.
  • If you’re an overseas and international resident, you may have a different ACC status depending on your length of stay and your employee status in your production company.
  • International production companies with insurance arrangements in their country of origin should ensure their policies extend to New Zealand. All other enquiries should be directed to ACC or discussed with your line producer.
  • Under ACC, an employee cannot sue an employer. However, employers must comply with the Occupational Health and Safety Act.
  • A production company must be New Zealand-registered to take advantage of New Zealand’s employment laws and occupational safety and health system.

[Find out more: http://www.acc.co.nz/]

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Public liability insurance

If you’re filming in public spaces, you’ll need public liability insurance. Public liability insurance limits are typically much lower in New Zealand because under our ACC scheme citizens cannot sue for damages caused by accident.

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Public liability coverage for contractors

For tax and ACC reasons, the majority of our cast and crew teams prefer to work as contractors, rather than production company employees.
Since public liability policies (unless endorsed) only cover the company and its employees, it's important to ensure that contractors working on a production have their own public liability cover.

Statutory liability

Statutory liability is available in New Zealand. This generally covers the cost of defence for fines and penalties, and in some limited circumstances, may cover the fines and penalties themselves.
Your local line producer can advise on any fine-tuning of your health and safety practices for New Zealand conditions.