Personal Risk Insurance

Protect your business and the people in it.

We all know how important it is to insure our buildings, machinery and equipment in case of an accident, but what about the most important things in your business, your people?

Owning your own business, whether you’re a contractor just starting out or an established corporate company, can be rewarding and exciting. Being in business, we understand and appreciate first-hand the risks and responsibilities associated with becoming and staying successful.

Life-changing events often arrive with very little warning, and having the correct insurance plans in place will be crucial to you being able to maintain both your income and your business.

Depending on the cover you choose, business insurance can provide support through a difficult time by:
– Paying a lump sum to cover business debts
– Ensuring other shareholders can retain the business should one need to exit
– Paying a monthly benefit to pay for fill-in staff.
– Just as your life is unique, your protection can be purpose built to address the areas of risk that most affect your business.

Shareholder Protection

Cover for an essential shareholder if they are no longer part of the business due to death, illness, or disability.

Shareholder insurance is a critical form of protection for businesses that rely heavily on one or more key individuals. This insurance helps ensure the continuity and stability of the business in the event that a significant shareholder or key person can no longer fulfill their role due to unforeseen circumstances such as death, serious illness, or permanent disability.

Debt Protection

Cover outstanding business loans or debts if a key individual who was essential to repaying these debts is no longer able to do so.

Business debt protection insurance is designed to help businesses manage their financial obligations in the event that a key person is no longer able to contribute due to death, illness, or disability. This insurance ensures that the business can repay its debts without jeopardising its financial stability.

Key Person Protection

Business continuity and stability if a key person is unable to work.

Business key person insurance, also known as key man insurance, is a type of insurance policy that provides financial protection to a business in the event that a key individual essential to the company’s success becomes unable to work due to death, critical illness, or disability. This insurance helps ensure the business can continue to operate smoothly during challenging times by providing the necessary funds to manage the impact of losing a key person.

Group Benefits Insurance

Stand out in the job market with extra benefits for your employees.

Workplace benefits insurance can be a comprehensive package of insurance policies and perks provided by employers to their employees.

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