BUSINESS INSURANCE IN AUCKLAND AND THROUGHOUT NEW ZEALAND
Business Insurance
We offer Business insurance options that can help your client’s business to continue operating if they or a key person faces illness, injury or death.
How can Business and Rural Insurance help me?
You work hard to build your business, so make sure it can keep running if you or a key person faces a serious medical situation. This can often happen without any warning, so this financial support gives you time to decide your next steps, whether that’s to continue trading or wind up your business.
Succeeding in any enterprise can be challenging enough, without having to worry about the unexpected consequences of illness or injury. We can help you plan now for a secure future. Most New Zealand businesses appreciate the need to manage the risks they face every day. If you’re in business, chances are you insure your physical assets such as plant equipment, vehicles, stock or buildings, but it’s your human assets that provide the initiative, drive and expertise to make your business successful and profitable. Should something happen to one of these key people including yourself, the right insurance can help you make the next step that’s right for you and your business. The financial support could keep your business operating, allow you to cover debts, or help you wind up and sell.
Business Insurance Options
Start-up Income Protection
Start-Up Income Protection Congratulations on starting a business, you’re the boss! In this building stage you only take time off work if it’s really serious… so what if it was? Setting up insurance for your new business is an essential financial safety net to protect you if you’re unable to work for more than 10 hours a week due to illness or injury. However being newly self-employed can make it difficult to prove the profitability of your business and take out income protection insurance. Designed for business owners who have been trading for three years or less, our Start-Up Income Protection gives you the confidence you need while your business gets off the ground. Your monthly payments will be an amount agreed at the time you apply, based off a proportion of your business’ revenue. Once you’ve been operating for more than three years you can move onto our more comprehensive Business Continuity insurance. This ensures your insurance evolves with your business.
Living Business Continuity
Designed to meet the needs of business owners who have been trading for more than three years, Business Continuity provides a monthly benefit so you have time to make the decisions you need about the future of your business. As an established business you have a strong understanding of your operating finances, so you can choose your monthly payments to be based off either Agreed Value, or Indemnity. Agreed Value is an amount agreed at the time you apply, based off a proportion of your business’ revenue. Indemnity is based off a proportion of your business’ revenue at claim time. Business Insurance OVERVIEW No ACC Offsets on Business Continuity This business insurance option will pay you on top of the amount of ACC payments you receive or are entitled to receive.
Key Benefits
Simple for Start-ups
- With Start-Up Income Protection, access up to $9,000 sum assured a month without having to provide detailed financial information
No Acc Offsets
- Business Continuity doesn’t have ACC offsets and with Rural Continuity your client can choose to offset or not
Long Term Support
- Option to extend Rural Continuity with Business Income Support to help your clients manage long term illness or injury
Future Proof Products
- Our Enhancement Pass Back Benefit is our commitment to keep our insurance relevant. Changes we make to our business insurance range in the future are automatically passed back to you, offering you even more at claim time