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The Insurance Collective
Trades & Construction

Insurance for Sole Traders

Right-sized liability, income and asset cover for one-person businesses - no more than you need.

Request a quote 027 545 0908
Overview

Cover built around your work

When you are the business, a setback lands squarely on you. We arrange lean, sensible cover for sole traders - protecting you against liability claims, safeguarding your income, and covering the tools and gear you rely on - without loading you up with cover you'll never use.

The risks you carry

What we help protect you against

  • A liability claim you'd have to fund personally
  • Losing your income to illness or injury with no cover behind you
  • Key tools or equipment lost, stolen or damaged
  • A professional mistake leading to a client claim
  • A client or platform requiring proof of insurance

Who it's for

One-person businesses, contractors and freelancers who want proper protection scaled to a solo operation.

The cover

Cover we typically arrange

Ryan & Ashley
Ryan & AshleyDirectors, The Insurance Collective

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us, or one of our other brokers who already knows your cover. That's the whole point of doing this properly.”

Ryan & Ashley

Call the team on 027 545 0908

Frequently asked questions

I'm just me - do I really need business insurance?
It depends on your work, but as a sole trader there's no company to absorb a claim - it's you. Public liability and income protection are the two most sole traders regret not having. We'll tell you honestly what's worth it for your situation.
Do you charge for a quote?
No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.
What areas do you cover?
We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.
What happens if I need to claim?
You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Ready when you are

Get cover sorted for your sole traders

Tell us a little about what you do and we'll come back with tailored cover and straight-talking advice.

Request a quote027 545 0908

or Contact us

  • Free & no obligation
  • Insurance Advisernet member