Small business owners and self-employed contractors have a lot on their plates – at work and at home.

Often, they’re so busy that they couldn’t imagine being unable to work for an extended period – but it happens all too often, and has unexpected financial consequences.

Unfortunately, the common refrain “I’m covered by my ACC” isn’t always true, either. While ACC will most likely provide cover for accidents, the reality is that the longer you are out of work, the more likely you are unable to work because of an illness – which is not covered by ACC.

At Kiwi Advisers, we work with you as a small business owner or self-employed contractor to structure your ACC payments in a way that provide you with a level of cover for accidents, but save you money so that you can afford insurance cover that also protects you in the event of becoming ill.


ACC has an agreed value plan, which gives you more choice over the level of income you choose to cover.

By choosing a lower amount of regular ACC’s accident cover, your ACC premiums decrease. Those savings can then cover all, or most of an Income Protection plan that covers illness AND accidents.  You get a huge increase in cover, without a huge increase in cost.

At Kiwi Advisers, we offer a couple of ways to get your ACC sorted and get your income fully covered:


Our Advice Process

If you’re not sure where to start with ACC and want to have a conversation with someone who understands your situation and your business, we can help.

We’ll come to you, take the time to understand your situation and provide you with great advice about how best to structure your ACC payments and fully cover your income. Get in touch with us and we'll help you make sure your income is properly protected today.

The ACC Alternative

If you’re more of a DIY type, the ACC Alternative by Kiwi Advisers makes it easy. Just answer 6 simple questions on our website, compare your cover on the spot and you’re ready to apply.

To apply just take a few minutes to fill in your details. We are available to answer any questions you may have via telephone, online chat or email support. Our job is to help make the process as simple as possible.