What sublimits typically apply to a commercial MD policy?
Sublimits cap the insurer's exposure on specific risk categories regardless of the overall sum insured. Common sublimits: theft (often $50k-$500k), money (small amount), customers' goods, employees' personal effects, signs/awnings, debris removal, professional fees, public-authority requirements, removal of debris. Sublimits are usually well below the property sum insured.
What each FCIB-panel wording says
Verbatim extracts from the ingested wording PDFs — relevant fact keys: sublimits, money_cover, theft_cover.
Delta Insurance
Delta NZ Property MDBI (March 2024)
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.
Dual New Zealand
DUAL New Zealand MDBI (04.22)
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.
Zurich New Zealand
Zurich Material Damage
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.
NZI
NZI Commercial Property Material Damage
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.
QBE
QBE Material Damage & Business Interruption
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.
AIG
AIG Steadfast Material Damage
sublimits
Not on file.
money_cover
Not on file.
theft_cover
Not on file.