Disclaimer

1. Nature of This Service

SoleTraderInsurance.co.nz is operated by Cover4You (a trading name of GDS) as a referral and information service. We connect sole traders seeking insurance with FMCA-licensed insurance advisers and brokers who can provide personalised advice and quotations.

The information on this website is general in nature and is intended to help sole traders understand insurance concepts and options. It does not constitute financial advice and should not be relied upon as such.

2. General Information Only

All information on this website — including coverage descriptions, pricing ranges, and statistics — is provided for general informational purposes only. It does not constitute:

• Personalised financial advice
• A recommendation of any specific insurance product or provider
• A guarantee of coverage, premium, or policy terms
• Legal advice of any kind

Insurance products, coverage terms, pricing, and insurer offerings change regularly. Always obtain a current Product Disclosure Statement (PDS) and policy wording from your insurer before relying on any coverage description.

3. Licensed Adviser Referrals

When you submit an enquiry through this website, you will be connected with a licensed NZ insurance adviser. Those advisers are regulated under the Financial Markets Conduct Act 2013 (FMCA) and hold licences issued by the Financial Markets Authority (FMA).

The advice they provide is their own professional advice — it is not advice from Cover4You or from this website. Cover4You does not guarantee the quality of their advice, the suitability of any specific policy they recommend, or the financial strength of any insurer whose products they may offer. You should independently assess any advice and any policy before accepting.

4. No Guarantee of Outcomes

Submitting an enquiry through this website does not guarantee that you will:

• Receive a quote from any insurer
• Obtain insurance coverage
• Receive coverage at any particular price or on any particular terms

Insurance is subject to underwriting by the relevant insurer, who may decline to offer cover or may offer cover with exclusions or loadings based on your individual circumstances.

5. ACC and Statutory References

References to ACC coverage, Health and Safety at Work Act obligations, Privacy Act requirements, and other New Zealand statutory matters on this website are general in nature and for informational purposes only. They do not constitute legal advice. Consult a qualified NZ lawyer or the relevant government authority for advice specific to your situation.

6. Limitation of Liability

To the maximum extent permitted by law, Cover4You and its directors, employees, and agents accept no liability for any loss or damage arising from your use of this website, your reliance on any information on this website, or the advice or conduct of any adviser referred through this website.

7. Regulatory Status

Cover4You is not a registered Financial Advice Provider (FAP) and does not hold a licence under the Financial Markets Conduct Act 2013. The advisers we refer you to hold their own FMCA licences and are responsible for the advice they provide. You can verify an adviser's licence status on the Financial Service Providers Register.

8. Contact Us

For questions about this disclaimer or the nature of our service, please contact us: