Business Insurance

Just like it’s important to protect yourself and your family, if you own a small or medium-sized business, its important that you consider defensive strategies to protect your livelihood. Your unexpected death, disablement or critical illness (or that of a business associate or key employee) could jeopardise the ongoing viability of your business.

Our Financial Advisers can assist you with:

Buy/Sell Agreements

Allows for the transfer of assets (such as property or a business) to a surviving spouse or business partner upon the death of either owners.

Key Person Insurance 

Protects a business in the event of the loss of a person who makes a significant contribution towards the profitability of the business.

Loan Protection

Pays or contributes to your loan repayments if you are unable to work due to injury or sickness or in the event that you become involuntarily unemployed.

Asset Protection

Provides a business with enough cash to repay debts so business and personal assets held as security can be released.

Succession Planning 

This can be one of the most difficult challenges a business owner will face. A carefully structured succession plan will ensure you have options and that your desired succession happens in an orderly fashion, where you do things on your own terms rather than being forced into a situation.