Business Protection

Income protection cover

Income cover provides a financial safety net should you suffer a total or partial disability which causes a reduction in your ability to earn your normal income. The monthly benefit you receive under the cover is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.

Taking out an income protection policy also enables you to significantly reduce your ACC levies.

  • We can help minimise your ACC levies by balancing risk assessments between ACC and insurance policies.
  • We can help even out your ACC and insurance payments so you financially plan correctly.
  • We can help with assurance of income in case of accident.

Make a no obligation appointment with our insurance broker to find out more here

CASE STUDY: When a self-employed builders world collapses around him

Business overheads insurance

This cover pays for your fixed business expenses if you as a business owner are unable to work due to accident or illness.

Make a no obligation appointment with our insurance broker to find out more here

Locum cover

This policy funds the salary of a replacement person who can carry out your work if you are unable to due to accident or illness.  Locum cover is a popular policy with professionals such as accountants, solicitors, dentists and doctors.

Make a no obligation appointment with our insurance broker to find out more here

Key person insurance

This cover provides salary replacement or funds to employ a contractor if a key person in the business is unable to work due to accident or illness.

Make a no obligation appointment with our insurance broker to find out more here

Share purchase insurance

This cover provides funding to enable a business partner to obtain 100 per cent ownership of the business by purchasing all shares in the company if a business partner dies.

Make a no obligation appointment with our insurance broker to find out more here

Business travel insurance

Business travel insurance covers unforeseen circumstances while travelling so that you can protect yourself and your business trip easily and at affordable prices. Some key benefits of travel insurance include cover of: overseas medical and hospital costs, stolen and lost luggage, emergency expenses, accidental death or accidental disability, trip cancellations, flight delays, rental vehicle excess, travel documents, credit cards and theft of cash.

Make a no obligation appointment with our insurance broker to find out more here