Business Insurance
Running a business comes with enough challenges without the loss or disruption of a key person or shareholder. We can help you protect your business when the worst happens
Protection for your business
Co-shareholder insurance
Key person insurance
Business planning
Business insurance can minimise disruption to your business and prevent the need to sell after the loss or injury of a key person.
Loss of a key person can disrupt your business
We begin by understanding your business and how the loss of a key person or shareholder could affect your ability to operate. From lost expertise to disruption of day-to-day activity, we help you understand your options and plan for the ongoing success of the business.
Protection for the buyout of a shareholder
For many small businesses, funding a shareholder buyout following death or disability can place a lot of strain on the business. Shareholder protection insurance is designed to help manage this risk.
Key person insurance often involves life and total and permanent disability cover. It can help provide funding so that the remaining shareholders are able to acquire the shares and maintain the continuity of your business continuity.
Protection for the temporary loss of a key person
The loss of a key person to .your business, even temporarily, still comes with significant risk. Key person protection is designed for businesses that may experience a financial disruption if a key person is unable to work due to illness or injury.
This type of cover can help provide regular payments to support cash flow, meet fixed costs, or help with the cost of a temporary replacement.
Business planning
An effective business plan can help you identify operational challenges, support sustainable growth and plan for upcoming changes. We can help structure your business for improving performance today and achieving your goals tomorrow.