Whilst ACC covers most things that are caused by an accident, whether it is in the workplace or privately, there are a number of things they don’t cover such as stress, hurt feelings or other emotional issues.

In addition to this one of the advantages of having insurance cover is that it also includes cover for defence costs if someone tries to sue the member for any perceived or alleged mistreatment etc.

This can be very costly which of course ACC won’t cover. If for instance a client accused one of the members of causing emotional stress and harm due to a perceived wrong treatment it could be a very costly legal process before any agreement is reached.