Coverage Types for Sole Traders
Every sole trader has different insurance needs. Explore each type of cover, understand what it protects, and find the right combination for your trade or profession.
Public Liability Insurance
Cover for third-party injury or property damage claims arising from your business activities.
Professional Indemnity Insurance
Cover for claims arising from professional advice, errors, or omissions in your work.
Tools & Equipment Insurance
Cover for loss, theft, or damage to your trade tools and equipment wherever you work.
Statutory Liability Insurance
Cover for fines and legal costs arising from unintentional breaches of NZ legislation.
Income Protection Insurance
Replace lost income if illness or injury stops you from working — ACC doesn't cover sickness.
Cyber Liability Insurance
Cover for data breaches, ransomware, and cyber attacks affecting your business.
Business Interruption Insurance
Cover for lost income when your business is unable to operate due to an insured event.
Commercial Motor Insurance
Cover for vehicles used in your business — beyond what personal motor insurance provides.
Ready to Protect Your Sole Trader Business?
Get expert advice from a licensed NZ insurance adviser. Compare options across multiple insurers and get the right cover for your trade.
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