About Sole Trader Insurance NZ

What We Do

Sole Trader Insurance NZ is a specialist referral service that connects self-employed New Zealanders with licensed insurance advisers who understand the unique insurance needs of sole traders and the self-employed.

We are not an insurer. We do not sell insurance directly. Instead, we gather the information needed to properly assess your needs and match you with an adviser who specialises in sole trader cover — someone who can compare options across multiple NZ insurers and provide personalised, expert recommendations.

Why Sole Traders Need Specialist Advice

Sole traders in New Zealand face a specific set of insurance challenges. Unlike employees who are covered by their employer's policies, sole traders are personally liable for every business risk. Unlike large businesses with risk management teams, sole traders often don't know what they need until something goes wrong.

The gap between ACC coverage (accidents only) and the full range of risks that can stop a sole trader working — illness, injury, liability claims, tool theft, regulatory prosecution — is significant. Our service exists to help sole traders understand these risks and get appropriately covered.

Our Adviser Network

All insurance advice provided through our service is delivered by licensed NZ insurance advisers. These advisers are regulated under the Financial Markets Conduct Act 2013 (FMCA) and hold appropriate licences issued by the Financial Markets Authority (FMA).

Our advisers are required to act in your best interests, provide advice that is appropriate for your situation, and disclose any conflicts of interest. They are not tied to any single insurer — they can access the full NZ market and compare options from multiple insurers including Vero, NZI, QBE, Delta Insurance, AIA, Partners Life, and others.