Self-Employed & New Business
Self-Employed & New Business
Insuring You is Insuring Your Business.
Insuring You is Insuring Your Business.
Running your own business means you carry both opportunities and risks. Our priority is to build a safety net that protects your personal income, covers debts, and ensures your family doesn't carry the financial burden if you're unable to work.
Your Guide to Business Protection
Making Your ACC Levies Work Smarter
All self-employed people must pay ACC levies by law. However, by strategically combining your mandatory ACC payments with a tailored insurance plan, you can often reduce your levy and gain far broader protection.
A Smarter Strategy
A restructured plan can cover you for illnesses, not just accidents. This allows you to gain more comprehensive protection for a similar cost, delivering better value for the money you're already required to pay.
How It Works in Practice
Take a self-employed builder. They can restructure their ACC and combine it with income protection. They pay a similar total amount, but now have comprehensive cover for both accidents and illnesses, not just one.
Building a Resilient & Inviting Business
Employee schemes are group insurance benefits — like health or life cover — that you can offer your staff. Providing them at a group rate makes them an affordable way to build a stronger, more attractive business.
Attract & Retain Top Talent
A strong benefits package gives you a competitive edge, making your business more attractive to the best people.
Build a Stronger
Culture
Showing you value your team’s wellbeing helps create a more supportive, loyal, and resilient workforce.
A Smart Benefit for Owners
It’s a practical way to support your staff while often accessing more cost-effective cover for yourself as the owner.
The Final Step: Securing Your Partnership.
For businesses with multiple owners, a shareholder protection plan is critical. It ensures a clear, funded buy-out process if a partner unexpectedly exits the business, providing crucial stability for the company's future.
Making Your ACC Levies Work Smarter
All self-employed people must pay ACC levies by law. However, by strategically combining your mandatory ACC payments with a tailored insurance plan, you can often reduce your levy and gain far broader protection.
A Smarter Strategy
A restructured plan can cover you for illnesses, not just accidents. This allows you to gain more comprehensive protection for a similar cost, delivering better value for the money you're already required to pay.
How It Works in Practice
Take a self-employed builder. They can restructure their ACC and combine it with income protection. They pay a similar total amount, but now have comprehensive cover for both accidents and illnesses, not just one.
Building a Resilient & Inviting Business
Employee schemes are group insurance benefits — like health or life cover — that you can offer your staff. Providing them at a group rate makes them an affordable way to build a stronger, more attractive business.
Attract & Retain Top Talent
A strong benefits package gives you a competitive edge, making your business more attractive to the best people.
Build a Stronger
Culture
Showing you value your team’s wellbeing helps create a more supportive, loyal, and resilient workforce.
A Smart Benefit for Owners
It’s a practical way to support your staff while often accessing more cost-effective cover for yourself as the owner.
The Final Step: Securing Your Partnership.
For businesses with multiple owners, a shareholder protection plan is critical. It ensures a clear, funded buy-out process if a partner unexpectedly exits the business, providing crucial stability for the company's future.
Making Your ACC Levies Work Smarter
All self-employed people must pay ACC levies by law. However, by strategically combining your mandatory ACC payments with a tailored insurance plan, you can often reduce your levy and gain far broader protection.
A Smarter Strategy
A restructured plan can cover you for illnesses, not just accidents. This allows you to gain more comprehensive protection for a similar cost, delivering better value for the money you're already required to pay.
How It Works in Practice
Take a self-employed builder. They can restructure their ACC and combine it with income protection. They pay a similar total amount, but now have comprehensive cover for both accidents and illnesses, not just one.
Building a Resilient & Inviting Business
Employee schemes are group insurance benefits — like health or life cover — that you can offer your staff. Providing them at a group rate makes them an affordable way to build a stronger, more attractive business.
Attract & Retain Top Talent
A strong benefits package gives you a competitive edge, making your business more attractive to the best people.
Build a Stronger
Culture
Showing you value your team’s wellbeing helps create a more supportive, loyal, and resilient workforce.
A Smart Benefit for Owners
It’s a practical way to support your staff while often accessing more cost-effective cover for yourself as the owner.
The Final Step: Securing Your Partnership.
For businesses with multiple owners, a shareholder protection plan is critical. It ensures a clear, funded buy-out process if a partner unexpectedly exits the business, providing crucial stability for the company's future.
For Your Occupation
Is This Cover Right for
Your Business?
This cover is essential for :
Anyone starting a new venture, whether you’re a sole trader or in a partnership. You get to choose when to go into business, but you don't get to choose when a setback might strike.
For businesses looking to protect their income, cover existing debts, and safeguard the immense time and energy they’ve already invested.
For Your Occupation
Is This Cover Right for Your Business?
This cover is essential for :
Anyone starting a new venture, whether you’re a sole trader or in a partnership. You get to choose when to go into business, but you don't get to choose when a setback might strike.
For businesses looking to protect their income, cover existing debts, and safeguard the immense time and energy they’ve already invested.
For Your Occupation
Is This Cover Right for Your Business?
This cover is essential for :
Anyone starting a new venture, whether you’re a sole trader or in a partnership. You get to choose when to go into business, but you don't get to choose when a setback might strike.
For businesses looking to protect their income, cover existing debts, and safeguard the immense time and energy they’ve already invested.
Our Personalised Process
Build Your Complete Business Protection Plan
Our Personalised Process
Build Your Complete Business Protection Plan
Our Personalised Process
Build Your Complete Business Protection Plan
A truly resilient business means to protect both the company and the people who make it run. Our process is designed to give you a 360 degree view of your protection.
1
We Look at the Full Picture
We start by understanding your entire operation. Our first step is to get a clear picture of what's most important — for the business itself, and for the key people who make it run.
2
We Recommend the Right Structure
Based on your unique needs, we then build your tailored protection plan. This can include structuring your ACC levies more effectively, setting up crucial key person or shareholder protection, and adding employee benefit schemes to retain your team.
3
You Gain Confidence & Peace of Mind
The final result is a comprehensive plan where all angles are covered. Your business has financial resilience, your team feels supported, and you gain the personal peace of mind that comes from knowing you're protected.
Let's talk about your tailored plan.
Help us understand your business so that we can build a plan that fits just right.
A truly resilient business means to protect both the company and the people who make it run. Our process is designed to give you a 360 degree view of your protection.
1
We Look at the Full Picture
We start by understanding your entire operation. Our first step is to get a clear picture of what's most important — for the business itself, and for the key people who make it run.
2
We Recommend the Right Structure
Based on your unique needs, we then build your tailored protection plan. This can include structuring your ACC levies more effectively, setting up crucial key person or shareholder protection, and adding employee benefit schemes to retain your team.
3
You Gain Confidence & Peace of Mind
The final result is a comprehensive plan where all angles are covered. Your business has financial resilience, your team feels supported, and you gain the personal peace of mind that comes from knowing you're protected.
Let's talk about your tailored plan.
Help us understand your business so that we can build a plan that fits just right.
A truly resilient business means to protect both the company and the people who make it run. Our process is designed to give you a 360 degree view of your protection.
1
We Look at the Full Picture
We start by understanding your entire operation. Our first step is to get a clear picture of what's most important — for the business itself, and for the key people who make it run.
2
We Recommend the Right Structure
Based on your unique needs, we then build your tailored protection plan. This can include structuring your ACC levies more effectively, setting up crucial key person or shareholder protection, and adding employee benefit schemes to retain your team.
3
You Gain Confidence & Peace of Mind
The final result is a comprehensive plan where all angles are covered. Your business has financial resilience, your team feels supported, and you gain the personal peace of mind that comes from knowing you're protected.
Let's talk about your tailored plan.
Help us understand your business so that we can build a plan that fits just right.
Your Business Safety Net
Confidence for Your Venture — Big or Small.
We're proud to share stories from clients we've helped, allowing them to focus on their world and their businesses.
Your Business Safety Net
Confidence for Your Venture — Big or Small.
We're proud to share stories from clients we've helped, allowing them to focus on their world and their businesses.
Your Business Safety Net
Confidence for Your Venture — Big or Small.
We're proud to share stories from clients we've helped, allowing them to focus on their world and their businesses.
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
"What stood out most was his genuine care and attention to detail. He took the time to really understand our goals, offered practical advice tailored to our situation, and helped us build a clear plan for the future."
Kylee & Brady Williams
Directors | Active Building Management
Read More
"At the end of the day, he’s not just about insurance, he’s about people—advocating for his clients and making sure they’re looked after properly. Bryan is the kind of insurance advisor you actually want to sit down with."
Paul Lennane
Director | Bigger Is Better NZ
Read More
"Over the decades, Bryan has consistently demonstrated exceptional integrity. He’s someone who builds trust effortlessly, brings people together, and adds meaning to any occasion with his generosity, humor, and heart."
Clinton Banks
Director | Yellow Roastery
Read More
"Working with Bryan was an absolute pleasure. He was so easy to talk to and really took the time to explain the different options... in a way that made sense."
Cynnelle Scully
Secondary School Teacher
Read More
"Bryan carefully reviewed our policies and advised us to retain cover that was tailored to our needs, while helping us gradually reduce it in a strategic and managed way. He did this without ever seeking personal gain, simply wanting the best outcome for us."
Allan & Di Faull
Read More
Any Questions
on your mind?
How can I make my ACC levies work harder for me?
How can I make my ACC levies work harder for me?
Do I really need both personal and business protection cover?
Do I really need both personal and business protection cover?
What should a complete business protection plan include?
What should a complete business protection plan include?
How much does your service cost me?
How much does your service cost me?
What if my needs change in the future?
What if my needs change in the future?
How can I make my ACC levies work harder for me?
Do I really need both personal and business protection cover?
What should a complete business protection plan include?
How much does your service cost me?
What if my needs change in the future?
Your Personalised Plan
Let's Create a Rock-Solid Plan for Your Business.
The best time to protect your business is before you need it. Let's have a simple, no-obligation chat to ensure the venture you've built is secure for the future.
Your Personalised Plan
Let's Create a Rock-Solid Plan for Your Business.
The best time to protect your business is before you need it. Let's have a simple, no-obligation chat to ensure the venture you've built is secure for the future.
Your Personalised Plan
Let's Create a Rock-Solid Plan for Your Business.
The best time to protect your business is before you need it. Let's have a simple, no-obligation chat to ensure the venture you've built is secure for the future.
Your insurance, personalised.
Our Group
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Looking for Mortgage Advice?
Looking for Mortgage Advice?
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© Personalised Insurances Ltd 2025
© Personalised Insurances Ltd 2025
Designed by Nate Swann
Designed by Nate Swann
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