Income Protection Insurance for Tradies in New Zealand
Protect Your Income If You Can’t Work
If you’re a tradie, your income depends on your ability to work.
If you get injured, sick, or can’t work for any reason, your income can stop overnight—but your bills don’t.
Income protection insurance for tradies in New Zealand helps replace your income so you can keep paying your mortgage, cover expenses, and focus on recovery.
We help tradies and self-employed contractors choose the right cover based on how they work and earn.
Why Income Protection Matters for Tradies in NZ
As a tradie, you face risks most office workers don’t:
Physical work increases the risk of injury
No work = no income
Recovery can take weeks or months
ACC may not cover everything
If you’re self-employed, there’s:
no sick leave
no employer support
no backup income
Income protection gives you financial stability when you can’t work.
What Income Protection Insurance Covers in New Zealand
A percentage of your regular income
Monthly payments while you’re unable to work
Cover for illness or injury
Optional redundancy cover
This allows you to:
keep up with living costs
avoid using savings
focus on getting back to work
What To Expect When You Book A Call
If you’re a sole trader or contractor, your income can fluctuate.
That makes choosing the right policy even more important.
We help you:
structure cover around your real income
choose between agreed value vs indemnity policies
avoid gaps in cover
make sure your policy will actually pay when needed
Income Protection vs Health Insurance
Both are important, but they do different jobs:
Health insurance
Helps you get treated faster
Covers surgery, specialists, and private care
Income protection insurance
Replaces your income while you can’t work
Most tradies benefit from having both:
one gets you better
the other keeps money coming in
What to Look for in Income Protection Insurance
Choosing the right policy matters.
Key things to consider:
Waiting period
How long before payments start
Benefit period
How long payments continue
Cover amount
Enough to cover your real living costs
Policy type
Agreed value vs indemnity
Common Mistakes Tradies Make With Income Protection
Choosing an option based on price and not on the best cover
Not updating income details
Setting the wrong waiting period
Assuming ACC is enough
These mistakes can mean:
not getting paid when you actually need it
Why Use a Broker for Income Protection in NZ
We make the process simple and tailored to your situation.
Compare multiple NZ insurers
Advice based on your trade and income
Avoid overpaying for unnecessary cover
Set up your policy correctly from the start
What Happens When You Book a Call
Quick chat to understand your work and income
Review your risks and current situation
Recommend suitable income protection options
Help you set up the right cover
Get Income Protection That Works When You Need It
If you can’t work, your income shouldn’t stop completely.
Income protection gives you:
peace of mind
financial stability
time to recover properly
Choose the right income protection insurance for your trade in New Zealand.