We can work with you to develop a business plan that provides exit and continuity strategies to ensure the survival of the business in the event of illness, disability or death.
We use highly rated solutions and companies, to provide peace of mind for you and your business.
Shareholder Protection Insurance protects you against the risks associated with the death, disablement or serious illness of a business partner.
Without shareholder protection insurance, you may well find yourself in the situation of having to work with the beneficiary of your shareholder’s estate, who now has a say in how to run the business but may not necessarily have the skills or experience to do so. And what’s more you may not wish for them to be involved in the business!
With shareholder insurance you will receive a lump sum payment if another shareholder dies, becomes permanently disabled or suffers a serious illness, allowing you to maintain control of your business and have the guaranteed funds available to purchase the shares.
Key Person Insurance
Every business has ‘key people’ who are vital to the on-going success and future of the business. Should a key person in your business suffer from an illness or an accident and be unable to work, it can greatly impact on the service levels provided to your customers, cause stress for your staff, and dramatically reduce your profit. Key person insurance will help reduce the financial strain and protect profits by funding replacement personnel or a percentage of revenue.
Debt Protection Insurance
Debt protection and guarantee release cover ensures that you have the capacity to repay commercial debt in the event of your disablement, incapacity or death. This means you, your family and your personal assets are not placed at risk because any personal liability or personal guarantee is extinguished.
Business Expenses Insurance
Pays business expenses for a period of time if you’re unable to work because you’re sick or injured. If you’re a small business owner, your business is probably committed to costs that you would need to pay even if you’re not making as much money as usual. Business Expenses insurance can keep your business running smoothly while you’re sick.
ACC and Private Insurance
We can review how much ACC cover you really need, and check if you are paying too much ACC. We can also explain the different ACC schemes available so that ACC and your private insurance will work together to Save Money, Get Better Cover and More Certainty.