Whether you’re a sole trader just starting out, or an established business with hundreds of employees, we can work with you on a plan to protect your investment and the vision for your business.
Most business owners we work with are quick off the mark to consider business risks regarding their stock, premises, and equipment. But, it’s essential to understand what the impact on your business would be if you (or another key person) were to be unable to work for an extended period.⠀
Business Insurance
Business Insurance works to keep your business operating if something unexpected happens to you or another key person. These solutions can help cashflow in the short term – providing cash to keep your business running and make sure overheads are met.
In the long term, having a contingency plan to manage the risks to your business gives you peace of mind and control over future options.
We can help with:
Key Person Insurance – Cover to keep the business operating if a key person is unable to work due to illness or injury.
Revenue Protection – Provides a monthly benefit to assist the company if illness or injury occur.
Debt Protection – Lump sum cover to repay business debt.
Share Purchase Cover (Buy and Sell Insurance) – Funds to buyout and purchase shares of co-owners/partners in the event of their death or permanent disability.
Group and Employee Benefits – Employee benefits, such as medical insurance, life insurance and disability income protection, have advantages for the employer as well as your staff. Offering insurance benefits to employees can reduce costs associated with absence due to illness, increase productivity and create greater levels of employee engagement and loyalty.
ACC Restructure – Gain a clear understanding of how to reduce the amount you pay in ACC levies by looking at what ACC benefits can be replaced with private disability insurance that covers you for accidents AND illness.
KiwiSaver – Having a preferred scheme may help ensure that more of your staff are in KiwiSaver investment funds that suit their circumstances. We can provide group education sessions for employees and deliver ongoing support. Dealing predominantly with only one scheme provider reduces employer administration and simplifies the induction process for new employees
From to shareholder agreements and revenue cover to succession planning – we’ve got it covered for you and your business. And the sooner you’ve got a contingency plan for the ‘what-ifs’, the sooner you’ve got peace of mind and can get on with running your business.
TESTIMONIAL
“So lovely to work with you! It’s so nice to have someone that is friendly and truly cares. Very knowledgeable, and made the whole process easy and now we feel really secure with the changes and cover we have. Next step is doing the rest of our insurance with you guys! Thank you”.
– Rebecca