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 with assurance of income in case of an accident.
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.
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.
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.
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.