Other insurers are not restricted in this way, and are able to offer improved flexibility and certainty for self-employed people. There may be some situations where partners are employed in the operations of the business but the wages are not directly paid out, or perhaps family members work on the farm with wages going towards succession arrangements. These situations will be affected by the changes, so it's important you consult your professional adviser, e.g., accountant, consultant, etc., to make sure things are handled appropriately. In many instances, the people you employ may be contractors rather than employees. Again, if you're not sure, you should contact your professional advisors as soon as possible.
Some people are both self-employed and employers.
As an employer you have the same obligations as any other employer and you will probably have been issued an accident insurance number by the Department of Labour. You can stay with ACC or opt out. If you opt out you must purchase both work and non-work personal injury cover. If you opt out you will need your self-employed insurance number which the ACC issues. If you are an employer but have not received any of the above documents, you should call the Regulator to get an accident insurance number so you can arrange cover.