Insurance Built for
Sole Traders
Compare public liability, professional indemnity, tools cover, income protection and more from multiple NZ insurers. Get matched with a specialist adviser who understands self-employed cover.
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Tell us about your business and a specialist adviser will be in touch.
Coverage Types for Sole Traders
From public liability to income protection — understand what you need and get a tailored quote from a specialist adviser.
Public Liability Insurance
Cover for third-party injury or property damage claims arising from your business activities.
Learn more & get a quoteProfessional Indemnity Insurance
Cover for claims arising from professional advice, errors, or omissions in your work.
Learn more & get a quoteTools & Equipment Insurance
Cover for loss, theft, or damage to your trade tools and equipment wherever you work.
Learn more & get a quoteStatutory Liability Insurance
Cover for fines and legal costs arising from unintentional breaches of NZ legislation.
Learn more & get a quoteHow It Works
Getting sole trader insurance shouldn't be complicated. We make it fast, simple, and tailored to your trade.
Tell Us About Your Work
Fill in the quick form with your trade or profession, the cover you need, and your contact details. Takes less than 3 minutes.
No obligation. No spam.We Match You With a Specialist
A licensed NZ adviser who specialises in sole trader cover contacts you to understand exactly what your business needs.
FMCA-licensed advisers only.Compare Quotes & Get Covered
Your adviser compares options from 10+ NZ insurers and presents the best fit for your budget and risk profile. You choose — they handle the paperwork.
Multiple insurers. One adviser.Free to use · No obligation · Licensed advisers
Insurance by Trade Type
Different trades and professions have different insurance needs. Find guidance tailored to your type of work.
Tradies & Construction
Insurance for builders, electricians, plumbers, painters, and other trade professionals.
Consultants & Freelancers
Insurance for business consultants, management advisers, freelance professionals, and independent contractors.
Healthcare & Allied Health
Insurance for physiotherapists, naturopaths, massage therapists, nutritionists, and other health practitioners.
Fitness & Beauty
Insurance for personal trainers, fitness instructors, beauticians, hair stylists, and wellness providers.
ACC Doesn't Cover Illness — And That's a Problem for Sole Traders
New Zealand's ACC scheme covers personal injury from accidents only. If illness stops you working — cancer, heart disease, back conditions, mental health — there is no ACC payment, no sick leave, and no income. Income protection insurance fills this gap with a monthly benefit of up to 75% of your pre-disability income.
Learn About Income ProtectionResources for Sole Traders
Expert guides on navigating insurance for self-employed Kiwis.
The Complete Guide to Sole Trader Insurance in NZ
Everything sole traders need to know about protecting their business, income, and assets with the right insurance policies.
ACC vs Income Protection: What Sole Traders in NZ Need to Know
ACC only covers accidents. If illness stops you working, your income stops too. Here's what income protection does that ACC cannot.
What Insurance Do Tradies Need in NZ? A Practical Checklist
From public liability to tools cover and income protection, here's the complete insurance checklist for NZ sole trader tradies.
Ready to Get the Right Cover?
Get matched with a licensed NZ insurance adviser who specialises in sole trader cover. Compare options from multiple insurers and get covered fast.
Get a Quote