Accident and Injury
Complete accident and injury protection tailored to how you live and work
Accident and Injury
Complete accident and injury protection tailored to how you live and work
At Commercial and Rural Insurance Brokers, we’re not just insurance brokers - we’re part of the Central Otago community. Our team brings local knowledge, industry expertise, and a genuine commitment to helping rural clients thrive. When it comes to Accident and Injury cover, we understand that life doesn’t always go to plan, and the impact of an unexpected event can be significant for individuals, families, and businesses.
Accident and Injury cover is designed to provide financial support when you’re hurt, unable to work, or facing recovery costs that fall outside what ACC may cover. This type of protection can include lump‑sum payments for serious injuries, weekly compensation for lost income, rehabilitation support, medical treatment costs, and cover for permanent disability. For many people, it forms a crucial safety net - helping maintain financial stability while you focus on getting back on your feet.
Because every situation is different, we take a personal, face‑to‑face approach. We come to you, learn about your lifestyle, work, and responsibilities, and help you understand the level of protection that fits your needs. As a brokerage, our role is to explore the market on your behalf and connect you with policies that offer the right balance of flexibility, affordability, and peace of mind.
Whether you’re self‑employed, working in a high‑risk industry, managing a rural operation, or simply wanting extra protection for your family, our team is here to help you secure Accident and Injury cover that supports you when it matters most.
Strengthen your protection with cover that supports you through accidents, illness, and the financial gaps ACC can’t reach. Talk to our team to secure a safety net that keeps your income, recovery, and family protected when the unexpected happens.
Accident and injury cover beyond ACC
ACC provides a useful baseline for accidental injury in New Zealand, offering no‑fault support for treatment, rehabilitation, and a portion of lost income. It’s an important part of the system - but it was never designed to cover every scenario, every cost, or every household. For most people, ACC leaves gaps that can create financial pressure, especially when illness, long‑term recovery, or higher income levels are involved.
Private Accident and Injury cover is designed to fill those gaps, giving individuals, families, and businesses broader protection and greater financial certainty.
Key areas where private cover steps in include:
Specific injury benefits, providing lump‑sum payments for fractures, burns, loss of limbs, or other defined injuries. These payments help with immediate costs such as home modifications, childcare, or private specialist care.
Accidental death benefits, offering a lump‑sum payment to your family if you pass away due to an accident.
Income protection top‑ups, ensuring you can maintain your lifestyle if ACC’s 80% income support or weekly cap falls short.
Illness‑related income protection, covering you when sickness - not accident - prevents you from working, something ACC does not support.
Faster access to treatment, including private surgery, specialist appointments, and non‑Pharmac medications, helping reduce downtime and speed up recovery.
Worldwide protection, ensuring you’re covered while travelling overseas, where ACC does not apply.
For businesses, additional options strengthen protection for staff:
Group personal accident policies, offering 24/7 cover, enhanced disability benefits, and broader rehabilitation support.
Business travel insurance, providing medical and emergency assistance for employees travelling internationally.
By combining ACC with private Accident and Injury cover, you create a more complete and reliable safety net — one that protects income, supports recovery, and provides financial stability when the unexpected happens. As a broker, your role is to help clients understand these differences and secure the level of protection that truly fits their needs.