Business Risk Insurance
Loss of Revenue/Business Continuation
This cover provides a monthly income stream if a key person is unable to work due to illness or injury.
Following the selected wait period, it offers revenue support for up to three years (insurer-specific), helping your business maintain stability during periods of uncertainty. This ensures ongoing operations without the pressure of lost income, allowing time for recovery and business adaptation.
Business Life Insurance/Ownership Buyout/Debt Protection and Permanent Loss of Key Person
This cover provides a lump sum payment in the event of premature death or terminal illness of the insured.
The payout can be used to fund buy-sell agreements, settle business debt, or cover the cost of replacing key personnel. It offers financial protection to ensure the stability of your business during critical transitions, helping safeguard its future and keeping operations on track.
Business Trauma Insurance
Business Trauma Cover provides a lump sum if the insured is diagnosed with a serious illness or critical condition.
This payout can help cover buy-sell agreements, pay off business debt, or cover the expenses of replacing essential personnel. By easing the financial strain, this cover allows your business to focus on continuity while addressing the challenges of recovery.
New to Business/Start-up Income Insurance
Designed for businesses that have been operating for less than four years, Start-up Income Cover provides monthly payments if a key person is unable to work due to illness or injury.
After a chosen wait period, the policy offers income for up to two years (insurer-specific), giving your business the financial backing to continue functioning while navigating temporary setbacks.
Business Total and Permanent Disability Insurance(TPD)
In the event of a permanent disability that prevents the insured from returning to work, Business TPD Cover provides a lump sum payment.
This financial support can be used for buy-sell agreements, debt repayment, or replacing key personnel, ensuring your business can remain operational and financially secure during times of major upheaval.
ACC Reviews
If you are self-employed, restructuring your ACC insurance may benefit you, there are options available that could enable you to save on your acc levies that will enable you to allocate those savings to pay for a more comprehensive cover, covering not only accident but illness.
Let us help you identify potential gaps and secure the right protection for your business’s future.