Empowering self-employed New Zealanders with personalised advice
ACC provides a no-fault personal injury insurance cover to all New Zealanders. We all pay ACC Levies, whether you are self-employed or employed. What many self-employed workers don’t realise is that they have a choice when it comes to how much they pay in ACC levies. ​
ACC can be an expensive insurance, considering it only covers you for accidents and not illness. We work with self-employed workers to restructure their ACC cover, looking at ways to use the savings towards a more comprehensive cover for both illness and injury. ​
review
ACC Cover Plus Extra
Clarity at claim time, agreed value cover.
​
Invoiced based on your level of agreed cover. Usually results in significant cost savings.
​
Pays 100% of that agreed cover.
​
It does not conflict with continued business income.
​
Pays 100% of benefit as you return to work part-time.
​
You do not have to prove your loss of income.
ACC Cover Plus (Default)
Invoiced based on your last year’s financial earnings.
​
Pays 80% of your taxable income based on the last financial years earnings. This is often a downfall for many as your income fluctuates more than an employee’s and can be hard to provide exactly what you earn at claim time.
​
Will be a reduced pay-out if your business continues to generate income during your time off work or if return to work on a part time basis.
​
You must prove loss of income.
​
This is the default scheme you will be automatically entered into when you become self-employed.