Liability
Ngā Kawenga
Flexible protection for the unexpected
We are one of the leading underwriting agencies in New Zealand when it comes to liability insurance. We offer a complete range of innovative and market leading products, which can be individually tailored to suit the unique and individual risks that our clients face in today's ever-changing world.
We have a broad appetite for risk across a varied cross-section of industries and professions. We listen to what our clients and brokers want and deliver where it matters most.
3
tailored offerings
$30m
capacity
Over 550
occupations available
Claims expertise
We have a dedicated liability claims team of experienced claims officers and in-house counsel to manage claims from notification through to resolution.
Our Liability Claims team brings significant industry experience with over 4,300 matters handled since commencement.
DUAL New Zealand is one of the largest underwriting agencies and one of the top five liability providers in the New Zealand market.
Liability offerings
Why choose DUAL for Liability?
Expert underwriting
The DUAL Liability team is highly knowledgeable. Our expert underwriters navigate complex risks to try and achieve the best possible outcome for you and your client.
Customisable cover
Our products can be tailored to suit the needs of your clients. We have the flexibility to cover a wide range of risks, including many tailored risks.
A trusted partner in a claim
We provide exceptional claims services. Our in hours claims team works alongside our panel lawyers to support your client each step of the way.
Instant quote and bind
Get a quote on a range of Liability products today using WebRater.
Meet our senior Liability team

Stewart Eaton
ANZ Head of Liability
Stewart has worked in the UK and London market for nearly 25 years. He has held a variety of liability positions at AIG and crisis management roles at various Lloyd’s Syndicates and at Allianz Global Corporate and Specialty. Prior to setting up a product recall book of business at Ark Syndicate in 2021 he was the Global Head of Product Recall at AGCS from 2019 looking after a book of cEUR100m. Stewart will be helping grow and diversify the liability book including a regional focus ensuring key service delivery to our broker partners and clients.
Stewart succeeded Steve Jacques in April 2023 and will be building a team that will service the growing portfolio with a focus on profitability and sustainability whilst assisting develop new product solutions in the NZ market.

Arlene Oliver
Senior Underwriter - Multi-Line

Kirstee Nadin
Senior Underwriter - Multi-Line

Candice Fraser
Head of Commercial – Northern

Kelly Stephen
Senior Underwriter - Financial Lines & Casualty

Leon Downey
Senior Underwriter - Financial Lines & Casualty

Lesley Ronne
Underwriting Support Manager


Marc Karapanovic
Senior Underwriter - Financial Lines & Casualty
Meet the wider
Liability team
Find out how our specialist liability underwriting team can help you deliver for your clients.