INSURANCE Service

Insurance that works when you do.

Tailored for sole traders - no upfront costs, no guesswork, just peace of mind.

Get the right cover

Finding the right insurance can be overwhelming — what cover do you need, and how much is enough? We take the guesswork out by providing professional indemnity, public liability, and statutory liability — all designed specifically for sole traders like you.

Only pay when you earn

Traditional insurance means paying upfront for a full year of cover — whether you’re working or not. With us, you pay a small percentage of what you earn and only when you earn, making it easier to manage cash flow.

Protection that actually covers you

Not all insurance policies fit the way sole traders work. We ensure your cover aligns with the contracts and risks you take on, so you’re not overinsured — or worse, left exposed when you need it most.

Full support when you need it

A claim can be stressful, but you don’t have to handle it alone. Our partnered broker provides full claims assistance, so you’ll always know exactly what to do if something goes wrong.

Helping you manage your insurance so you stay covered while doing the work you love

Our standard cover is based on professional services work in New Zealand up to a value of $400k per annum (excl. GST). Our fee quote will be confirmed once you submit your insurance declaration form detailing the type of work you will do and your claim history.

Professional Indemnity

Professional Indemnity cover of $1,000,000 any one claim, $2,000,000 in the aggregate with a $5,000 excess.

Professional Indemnity protects from claims made by clients who have experienced financial loss due to alleged negligence, errors, omissions, or breach of professional duty concerning professional advice, design, or formula by you or your business.

Public Liability

Public Liability cover of $2,000,000 per occurrence with a $500 excess.

Public Liability protects you and your business from financial consequences if you are found responsible for the loss/damage to someone else’s property. It also protects you if you cause illness or injury not covered by ACC.

Statutory Liability

Statutory Liability cover of $500,000 any one claim with a $500 excess.

Statutory Liability protects you and your business against unintentional government acts or statute breaches, by covering defense costs, fines, and penalties.

How it works

Get in touch

Register your interest with us. Let us know that you’d like to use the insurance services and confirm you will work as a sole trader.

Review & sign agreement

We’ll send you an insurance declaration form. If the work you will be doing falls outside our standard cover we’ll provide you a custom quote. Then we’ll send you our services agreement for you to sign.

Onboarding

We’ll organise your cover. You start working for your new clients.

Pay us when you get paid

Our fee is taken out via Hnry when you get paid.

Reach out today and ask us about insurance.

It's not the most exciting subject but we'd love to talk to you about it.