ACC is the state run personal injury insurance program. As a business owner, you will likely recall the invoices you get per annum for either you and/or your staff.
As a result of an injury ACC pays up to 80% of your earnings.
However in the event of sick leave (Stroke, cancer, heart attack, Stress, anxiety etc.) it does not pay.
It is important to manage your private cover and ACC in such a way as you are optimising what you are paying. You don’t want to pay twice for the same thing.