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Personal Insurance

Forget mucking around with different policies, we have you covered for everything.

Our easy-as insurance options make sure Kiwi tradies have all corners covered, including…

INCOME COVER

We don’t want you going out of pocket. Our income cover means cash in hand when you can’t work. It’s that simple.

LIFE COVER

You always need to be prepared for that worst case scenario. Life cover with us means support for your family if you kick the bucket.

TRAUMA COVER

Serious illness or accident? You never know what’s around the corner. We’ve got you covered for any catastrophes.

HEALTH COVER

Looking after yourself can be an expensive game. We cover those pricey medical bills when you’re sick.

PERMANENT DISABILITY COVER

We consider all eventualities and that includes the possibility of permanent disability.

KEY PERSON COVER

Losing your right hand man doesn’t need to throw a spanner in the works. Our key person cover ensures you won’t be left going it alone.

SHAREHOLDER COVER

One that does what it says on the tin. Keep the business afloat when your business partner is out of action.

Disability Debt Protection Cover

A sudden exit due to permanent disability or death? We’ve got your finances covered for that too.

Spike’s Tip!

Self employed? ACC a drag?

We know! It’s expensive, frustrating and they don’t even cover you when you’re sick.

Here at Cactus we call that a stitch up! But it doesn’t have to be a cactus up the a**, a simple change to ACC CoverPlus Extra with a side order of Income Cover and we’ll have you sorted in no time. Twice the cover and we can usually save you a bit of dough-ray-me.

The example below shows what you could get under the two plans.

ACC COVER PLUS ACCCPX + INCOME COVER
ACCIDENT
INCOME ?
YEARLY COST $2000 $2000

Get me covered!

MORE THAN JUST INSURANCE

Here at Cactus we understand what tradies want and need from insurance. As well as covering you with one simple policy, we’ve thrown in some pretty sick deals too. Sweet as!

JUST SOME OF OUR RAD PARTNERS

10% OFF* ANNUAL SUBSCRIPTION!

We’ve teamed up with the guys over at HazardCo to provide you with all the training and info you need to tick all the health and safety boxes and stay compliant.

ACCOUNTING PACKAGE FROM $40

Paperwork shmakerwork! The suits over at Haven are offering accounting packages to Cactus clients starting from only $40!

15% OFF ONLINE ORDERS

Our friends at ilabb are one of NZ’s most recognizable labels and they want you to always look dope. Cactus customers get 15% off online orders.

15% OFF VEHICLE SIGNWRITING

For sick as branding and signage on your work gear, look no further than DoctorB. They’re even offering Cactus members 15% off vehicle signwriting.

What our mates say

Mike Drum

Company or Job Title

The process was easy as! The whole thing was simple to use which was a massive benefit to me

Matt Dangen

MJD Electrical

There was no muckin’ around. Super easy to follow and really clean. There’s lots of cover in there that I had no idea about

Nick Josephson

BBT Digital

Highly recommend these lads, a great bunch that understand the needs of a tradie with flexible options to suit my needs. 10/10