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SME Directors

SME directors in New Zealand often wear multiple hats — owner, manager, and director — which means their personal assets are exposed to a wide range of risks. Under the Companies Act 1993, SME directors can be personally liable for company debts in cases of reckless trading, insolvent transactions, and breaches of director duties. The right insurance package protects your home, savings, and personal finances.

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Key Risks for SME Directors

⚠Personal liability under the Companies Act 1993
⚠Employment disputes with staff
⚠Regulatory breaches and WorkSafe investigations
⚠Creditor actions during financial difficulty
⚠Contract disputes with customers or suppliers

Recommended Cover

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Directors & Officers (D&O)

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Management Liability

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Statutory Liability

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SME Directors — FAQs

Yes. SME directors face the same personal liability exposure as directors of large companies. In fact, SME directors are often more exposed because they have less legal support and fewer resources to defend claims.

A management liability package policy is usually the most cost-effective, bundling D&O, employment practices, statutory liability and crime cover into one affordable premium.

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Speak to a specialist who understands your exact situation as a sme director.

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