FacebookXLinkedInRss

Business Insurance

Small Business Insurance

Some insurers provide specialist Small Business Insurance cover specifically for small business owners to pay for business expenses such as business debts, fund partnership buyouts and in some cases, you can insure a x (times) factor of your key person salary. The scope of this article is not to provide any business advice, but to help you understand how you can use innovative insurance products to provide capital if the need to buy out a business partner in the event of death or disability of that business partner. Death of a business partner. Apart from the emotional loss and the [...]

2021-05-03T11:58:27+12:0003/05/2021|Categories: Blog, Business Insurance|Tags: , , |
Read More

Business Insurance

Business Insurance Business Insurance covers all types of insurance such as Plant and Machinery, Commercial Vehicles, Assets and the list goes on.  There are also risks in your business that you may have overlooked, and that is your cash flow, key people, and the business expenses that you need to pay. There are the risks you don't see (except for your key people!).  You can see your business assets when you get to work, you can see your building, but you cannot see your business expenses unless you are looking at your financial reports.  The point here is that there [...]

2019-07-23T09:39:50+12:0023/07/2019|Categories: Blog, Business Insurance|Tags: , , |
Read More

Business Risk Insurance

Business risk insurance is an important part of managing the financial risks.  As a business owner, you know what it takes to build a business and what’s even more important, to build a profitable one.  New Zealand is made up of  97% of small business owners who employ 20 staff or less and 70% of them are single worker businesses and that 25% of small businesses fail in the first 3 years. I’d like to make a point here and that is most of our small business owners are single worker businesses which mean no one else is creating income [...]

2018-06-21T11:42:14+12:0021/06/2018|Categories: Blog, Business Insurance|Tags: , |
Read More

Getting the best ACC Cover

If you are self-employed, then choosing the correct ACC Cover is vital for own personal long term protection.  Most of us will just accept the default option or not consider the longer-term benefits of each ACC Cover Option. Did you know you have two ACC Cover options? That's right, there are 2 very important and distinctive ACC Cover options for self-employed.  Each option does its own job and works in a different way at claim time. What you get from your ACC Cover at claim time depends on what you do now and how you set it up. What you [...]

2015-08-21T23:47:51+12:0021/08/2015|Categories: Blog, Business Insurance, Income Protection|Tags: , , , |
Read More

How to use business income insurance

How to fund your business cash flow by using business income insurance. What options do you have to keep your cash flow going when you cannot work in your business in the short, medium or even long term.  There are a number of ways you could do this, but firstly, you need to give careful thought to what is going to happen to your business if you become unable to work due to sickness or accident, and would you manage such an event and how would you fund it using business income insurance as well as other sources of income. [...]

2015-07-26T07:43:26+12:0026/07/2015|Categories: Blog, Business Insurance|Tags: , , |
Read More
Go to Top