Protect the income that supports everything else.
When you work for yourself, your income depends on your ability to keep working. If sickness or injury stops you, there may be no sick leave, no employer support, and no backup income.
Self-employed income protection insurance is designed to help replace part of your income if illness or injury stops you from working — so your bills, mortgage, and business costs don't have to wait.
No pressure. Compare at your own pace.
No sick pay to fall back on
Employees get paid sick leave. Self-employed Kiwis don't. If you can't work, your income may stop the same day.
Your bills don't stop
Mortgage, rent, groceries, utilities, and loan repayments — they keep coming regardless of your health.
ACC has gaps
ACC covers accidents. Illness, burnout, stress, and long-term health conditions aren't covered. That's where self-employed income insurance steps in.
Business costs keep running
Tools, software, vehicle, rent, and staff wages may still need attention even while you're off work. Self-employed business insurance cover can help keep things running.
Financial pressure can slow recovery
Without backup income, many self-employed people return to work too early — making recovery longer and more costly. Loss of income insurance for self-employed Kiwis helps bridge that gap.
Compare self-employed income protection in 3 steps.
No complicated forms. No pushy sales calls. Just clear comparisons.
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01
Tell us about yourself
Answer a few quick questions about your work, income, and cover needs. Takes under 2 minutes.
2 min -
02
Compare plans side by side
See income protection insurance for self-employed Kiwis from leading NZ insurers — premiums, waiting periods, benefit periods, and key features.
24 hrs -
03
Apply for the plan that fits
Choose the best income protection insurance for self-employed and apply directly. No obligation to compare.
Your pace
Take your time. We're here when you're ready.
What self-employed Kiwis say about us
Compare Self-Employed Insurance Plans Before You Choose
One Size doesn't fit all
Not all self-employed insurance plans are equal. Waiting periods, benefit amounts, policy terms, and exclusions vary significantly across NZ insurers. Comparing before you commit can make a real difference.
| Going Direct to One Insurer | Comparing Multiple Plans |
|---|---|
| You may pay $20/month extra without realising it. Over 20 years, that could become $4,800 more in premiums. | You can compare premiums first and choose a better-value income protection insurance for self-employed. |
| You only see one company's offer. | You can compare options from multiple NZ insurers offering self-employed insurance plans. |
| You may miss stronger benefits for a similar price. | You can compare benefit amounts, features, and policy terms side by side to find the best insurance for self-employed. |
| You may choose a waiting period that increases your premium. | You can compare waiting periods and find a structure that suits your budget — key for income insurance for self-employed Kiwis. |
| You may overlook exclusions that affect your self-employed income protection cover. | You can understand key differences before making a decision. |
| You may commit before knowing what else is available. | You can choose the best income protection insurance for self-employed with more confidence before applying. |
Your income, if life gets in the way.
Got questions? Not sure where to start? Book a 30-minute advice session with one of our expert self-employed income protection advisers. We'll walk you through your options, compare cover from NZ's top insurers, and guarantee the best price based on your situation.
- Illness — most self-employed income protection policies pay out when you can't work due to sickness, with monthly payments to cover your bills until you're back on your feet.
- Injury — for accidents that go beyond what ACC covers, some policies pay a lump sum on top of regular monthly benefits.
- Business costs — tools, software, vehicle, rent, and staff wages may still need attention while you're off work. Self-employed business insurance cover can help keep things running.
- Self-employed — sole traders, contractors, and business owners get specialised cover that handles fluctuating income — agreed value policies pay out a set amount regardless of last year's earnings.
Free, takes 2 minutes — no obligation.
About Work It Out
workitout.co.nz is a New Zealand comparison platform built to help Kiwis find and compare self-employed income protection insurance from multiple New Zealand insurers in one place — quickly, easily, and with confidence.
We're not tied to one insurer. Our goal is to help you understand your self-employed income protection insurance options clearly — agreed value vs indemnity, ACC offsets, waiting periods, benefit periods — so you can make a more informed decision before you commit.
- Compare self-employed income protection insurance plans across New Zealand providers
- Present policies clearly — no jargon, no pressure
- Help you understand waiting periods, benefit structures, and exclusions
- Connect you with the right insurer for your self-employed income protection insurance needs
Frequently Asked Questions
Everything you need to know about income protection insurance for self-employed Kiwis
Ready to compare self-employed income protection plans?
Don't commit to the first plan you find. Compare income protection insurance for self-employed Kiwis from multiple NZ insurers — side by side in minutes.
Comparing is free. No obligation. No pressure.
Your life insurance needs careful expert review
Potential Matches for Your Profile
Based on your inputs, these insurers may offer competitive options:
However, each insurer handles your situation differently. The same profile can receive vastly different terms.