Christchurch Insurance Brokers is an insurance brokerage in Sumner, Christchurch, whose advisers focus on life and income protection. Its products include life cover, which pays a lump sum on death or terminal illness, and key person insurance, which lets a business insure a key employee. Trauma cover pays a lump sum on diagnosis of listed serious conditions such as cancer, heart attack or stroke, and income protection pays a monthly amount when someone cannot work because of illness or injury. The brokerage also offers a solution that adds to ACC cover for self-employed people, covering illness as well as accidents, which the firm says can give up to three times the cover for about the same price as standard self-employed ACC. The team is led by an adviser who has worked in financial advice since 1992 and is a Fellow of the Insurance Broker Association of New Zealand. Our pick in Sumner for a self-employed person or a small business owner who wants to protect their income.