Who We Help
You do not get sick leave. Your cover needs to account for that.
Advice built for irregular income, ACC gaps, and business realities.
Why tailored advice matters
The real risk window
Self-employed New Zealanders carry outsized risk because there is no employer sick leave, no default employer KiwiSaver contribution, and no fallback salary when work stops.
PAYE-style insurance setups rarely work for self-employed income structures. The policy wording, income definitions, and wait periods must be tailored to your cashflow reality.
Key risks and gaps
- !ACC only covers accidents, not major illness or mental health conditions.
- !Income protection misaligned with fluctuating self-employed earnings.
- !Wait periods that do not match your actual savings buffer.
- !No automatic employer KiwiSaver contribution, reducing long-term compounding.
- !Business overhead and liability exposures often left uncovered.
What Smiths covers
- Income protection designed for self-employed income and tax structures.
- ACC gap analysis to identify uncovered illness exposures.
- Life and trauma insurance aligned with personal and business liabilities.
- KiwiSaver contribution strategy and fund allocation for self-employed clients.
- Business cover where relevant: liability, indemnity, and overheads.
- Regular reviews as turnover and income profile change.
Your financial checklist
- 01Do you have income protection for illness, not just accidents?
- 02Is cover aligned to your real earning capacity?
- 03Do you know exactly what ACC does not cover?
- 04Are you contributing to KiwiSaver voluntarily and consistently?
- 05Can your savings realistically cover your policy wait period?
- 06Are business overheads protected if you cannot work?
- 07Do you hold public liability or professional indemnity where needed?
Ready to talk it through?
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.