You built the business.
WHO RUNS IT IF YOU CAN'T?
ACC pays part of your income if you're injured. It doesn't keep your business running. And if you get sick — not injured — it pays nothing at all.
Most self-employed people don't find out until they can't work. It takes 30 minutes to find out where you stand.
Know your gap. Protect your income. No obligation.
What self-employed people don't plan for
Here's what most self-employed people believe about ACC — and what it actually means for their business.
ACC replaces my income
"If I'm hurt and can't work, ACC covers me."
ACC pays 80% of your liable income — not your gross earnings, not your drawings. It's capped. A self-employed person earning $100k could receive as little as $615/week.
Who covers the mortgage, the bills, the business costs — on $615 a week?
The business will keep running
"I'll recover, the business ticks over, and I'll be back before it matters."
You are the business. The clients, the decisions, the revenue — it runs through you. ACC pays you a portion of your income. It doesn't pay your rent, your staff, your subscriptions, or your loan repayments.
How many weeks before your business starts to feel it?
It won't happen to me
"I'm healthy, I'm busy. I'll sort this out when things slow down."
Every self-employed person thinks they're the exception. The ones who found out they weren't all had one thing in common — they hadn't reviewed their cover before they needed it.
When did you last check what you'd actually receive if you couldn't work tomorrow?
It'll be an accident, not an illness
"If something goes wrong, it'll be a physical injury. ACC covers that."
ACC only covers accidents. Heart attack, stroke, cancer, burnout — none of it. Yet illness is far more likely to put a self-employed person out of action for months than a workplace injury.
What's more likely to stop you working for 6 months — an accident or a health issue?
KNOW YOUR GAP.
Book your free review.
30 minutes. No obligation. Plain English. Advisors who understand business — not just finance.
What happens in your free 30-minute review
1. We check your ACC structure
We work out what you'd actually receive if you couldn't work — based on your income structure, not the assumption.
2. We identify potential levy savings
Most self-employed people overpay ACC levies. Where savings exist, we find them — and show you how they could fund better cover.
3. We show you the gap
Your income gap, your business cost exposure, what illness leaves uncovered. Named in dollars, not percentages.
4. We give you a plain-English plan
No pressure. No obligation. You leave knowing exactly where you stand — and what it would take to fix it.
Don't find out you're not covered when you need to make a claim.
Most people who've done this review walk away either relieved — or glad they found out when they did. Either way, you'll know. 30 minutes. No cost. No obligation.
