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Who We Help
Your body is your business. If it stops, income stops.
Practical protection planning for physically demanding work.
Why tailored advice matters
The real risk window.
Tradies carry some of the highest occupational risk in New Zealand. ACC helps with accidents, but many long-term work interruptions come from illness, not injury.
Manual occupations require insurance settings that balance affordability with meaningful protection. Generic cover often misses the real financial pressure points.
Key risks and gaps
- !ACC gap for illness and chronic conditions not linked to accidents.
- !Income protection affordability challenges due to occupation loadings.
- !Self-employed income complexity reducing claim reliability if setup is wrong.
- !Tools, vehicles, and equipment losses halting income even when healthy.
- !Long-term physical wear increasing disability and trauma risk over time.
What Smiths Insurance and KiwiSaver covers
- Income protection configured for manual occupations and real cash buffers.
- Life and trauma cover sized for family and debt protection.
- TPD strategy with occupation definitions considered carefully.
- ACC gap analysis with clear illness vs accident exposure.
- Business cover for tools, vehicles, liability, and contract work exposures.
- KiwiSaver strategy for self-employed or irregular contribution patterns.
Your financial checklist
- 01Do you have income protection for illness as well as accidents?
- 02Do you understand the ACC illness gap clearly?
- 03Is your cover based on your actual self-employed income profile?
- 04Are tools, vehicle, and equipment covered properly?
- 05Do you have public liability where required?
- 06Are KiwiSaver contributions consistent and in the right fund?
- 07Is life cover enough for mortgage and family costs?
- 08Do you hold trauma cover for major medical events?