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  <!-- Core pages -->
  <url>
    <loc>https://www.soletraderinsurance.co.nz/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/compare/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/faqs/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/about/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/contact/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/claims/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/disclaimer/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/privacy/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/terms/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Coverage type pages -->
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/public-liability/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/professional-indemnity/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.95</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/income-protection/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/tools-equipment/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/statutory-liability/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/cyber-liability/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/business-interruption/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/coverage/commercial-motor/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Trader type pages -->
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/tradies/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/consultants-freelancers/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/healthcare-allied-health/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/professional-services/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/technology-it/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/fitness-beauty/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/creative-digital/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/traders/retailers-hospitality/</loc>
    <lastmod>2026-05-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog / Resource articles -->
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/sole-trader-insurance-guide-nz/</loc>
    <lastmod>2026-05-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/acc-vs-income-protection-sole-traders/</loc>
    <lastmod>2026-04-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/tradie-insurance-requirements-nz/</loc>
    <lastmod>2026-03-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/professional-indemnity-claims-nz/</loc>
    <lastmod>2026-02-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/worksafe-nz-sole-traders/</loc>
    <lastmod>2026-01-25</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/cyber-insurance-small-business-nz/</loc>
    <lastmod>2026-01-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/setting-up-sole-trader-nz/</loc>
    <lastmod>2025-12-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/sole-trader-vs-company-nz/</loc>
    <lastmod>2025-11-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/income-protection-sole-trader-how-much/</loc>
    <lastmod>2025-10-30</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/public-liability-sole-traders-nz/</loc>
    <lastmod>2025-10-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/tools-theft-nz-tradies/</loc>
    <lastmod>2025-09-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://www.soletraderinsurance.co.nz/blog/sole-trader-business-pack-nz/</loc>
    <lastmod>2025-08-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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