ACC Alternative

ACC was established in New Zealand in 1974 and provides 24-hour no-fault cover for work-related and
non-work related personal injuries, including access to a range of medical treatment, rehabilitation benefits and up to 80% of a person’s current weekly earnings if they are off work for more than one week while recovering from injury or an accident.


ACC can work for you

A well structured Personalised Business Protection Plan should include a review of your ACC Cover. An Adelphi adviser can help you get the most out of your ACC levies and possibly save you thousands of dollars each year in ACC levies, while potentially giving you far broader cover.

ACC Levies

ACC Levies are compulsory for everyone who works in New Zealand. If you’re an employee, your employer pays on your behalf, if you’re a self-employed business owner, a contractor, a shareholder-employee or you have staff, ACC will invoice you. How much you pay for your levies is based on your earnings and the type of work you do.

Self-employed and contractors

Self-employed business owners and contractors can choose the amount of ACC levies they pay through ACC’s Cover Plus Extra. Several factors need to be considered including, picking the correct classification code, knowing your claimable income limitations and how to obtain cover for being unable to work due to sickness and illness, not just accident and injury.

Self-employed and contractors

An Adelphi Adviser can sit down with you and your business partners, in the comfort of your office or home, and develop your business’s Personalised Business Protection Plan to determine the ideal level of ACC levies you need to pay for your business’s unique circumstances and needs.


Calculate your levy

Use these ACC levy calculators to calculate your levies.
Unless you’ve applied for one of ACC’s optional cover products, you’ll be on the standard Cover Plus.

ACC CoverPlus is ACC’s standard personal injury cover if you’re self-employed or a contractor. It automatically applies when you start self-employment. It includes 24-hour no-fault cover for work-related and non-work related personal injuries, including access to the full range of medical treatment and rehabilitation benefits and up to 80% compensation for lost earnings.

Workplace Cover – payable by employers and shareholder-employers. Workplace cover is automatically assigned and will provide funds to pay for employees medical care and up to 80% of their salary if injured at work.

ACC CoverPlus Extra is the tailored ACC cover for self-employed people and non-PAYE shareholder-employees. It is a flexible alternative to ACC CoverPlus, which enables you to negotiate your level of lost earnings cover (subject to ACC underwriting). That way, you know exactly what you’ll receive if you’re injured and can’t work – and it doesn’t matter whether the injury is work-related.

Accredited Employers Programme – this is an optional product which you need to apply for. It basically means that you are the one responsible for managing injuries and claims employees make if injured at work. This can save you up to 90% off your work levy.

The ACC Alternative

The ACC Alternative is a smart way of protecting your income – unlike ACC, it covers you for accidents and illnesses. In most cases, you’ll get three times the cover for around the same cost as your standard self-employed accident-only ACC cover.