Insurance for the Self-Employed: What Should You Have?
Running your own business gives you freedom — but no sick pay, holiday pay, or employer-provided insurance. That’s why the self-employed need to think carefully about risk.
Must-Have Covers
Income Protection – Replaces lost income if illness or injury stops you working.
Health Insurance – Avoid long public waitlists and get back to work sooner.
Trauma Insurance – Provides a lump sum if you’re diagnosed with a serious illness.
Life Cover – Protects your family or business if you pass away.
Extra Tip:
Business Overheads Cover
This lesser-known policy pays for your business expenses (rent, staff, equipment) if you're off work due to illness or injury.
ACC
Depending on your circumstances, often much of the cost of your private cover can be offset by making changes to ACC – so it won’t even cost you any extra than you’re already paying.
Keep It Updated
As your income and business grow, make sure your cover scales too.
Sorting out insurance doesn’t have to be scary. We’re here to make it simple and tailored to you. Whether you're starting a family or simply want peace of mind, get in touch for a no-obligation chat.
📅 07 213
📩 support@legaseed.co.nz
🌐 www.legaseed.co.nz
Legaseed NZ Ltd (FSP1005404) holds a licence issued by the Financial Markets Authority and provides financial advice in relation to financial & retirement planning, investments, KiwiSaver and personal risk insurance. Our disclosure information can be found on our website www.legaseed.co.nz, or is available on request and free of charge.
