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Public liability insurance for tradies: ‘Most believe they have cover when they don’t’

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Public liability cover is one of the most important types of insurance that a tradie should have, and also one of the least understood. Here, we examine public liability insurance and expose some of the common pitfalls so that you can minimise the risk to your livelihood and get on with the job with peace of mind.

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The hidden dangers of the construction boom for New Zealand tradies

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New Zealand is experiencing the biggest construction boom in 40 years and it’s not expected to peak until 2020.

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What income protection benefits should you consider?

Income protection insurance doesn’t stop at the core offering: there is a slew of optional extras you can add on for an additional fee. But knowing which to choose, if any at all, can be difficult.

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What income protection benefit period should you choose?

Your choices in wait period and cover period can make a significant difference to the effectiveness of your insurance cover. Here’s what you need to know to make an informed choice:

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How much will income protection cost you?

“How much will income protection cost me?” isn’t really the question you should be asking. It’s better to ask how much you can afford to lose if you were sick or injured.

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The types of income protection insurance explained

Income protection can be confusing—but it doesn’t have to be. Take a look at the different types of income protection insurance: agreed value, indemnity and loss of earning insurance, and let us help you decide which is the right choice for you.

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The right income protection "saved our lives" says Auckland musician

For the self-employed, prolonged illness can turn into a business disaster. A week off sick is manageable, but what if it was two years? Learn how the right income protection advice kept one Auckland musician’s world from coming crashing down when his health took a turn for the worse.

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What’s the best income protection for self-employed workers?

There’s no such thing as sick leave for the self-employed. Take a day off and you wear the cost—it’s why having a rainy-day fund to cover holidays and unwell days is essential. But what if you’re injured or sick for longer than your emergency fund can support you through? Enter self-employed income protection.

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Why you can’t rely on ACC income protection

ACC: it’s the pride of New Zealand business and the envy of many governments and workforces all around the world. We’re very lucky to have it—but it does have some significant flaws when it comes to actually protecting you.

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Income protection explained: These 4 myths are putting you at risk

Horizon research has shown that only 1 in 7 Kiwi households have income protection insurance, and we’re asking ourselves “why so few?”.

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