Protect Your Business

Owning a business is one of the most rewarding experiences you can have so it makes good business sense to protect everything you’ve worked hard to build.

We provide Business Insurance advice, helping to protect you and your business against some of the major risks you can face as a business owner, whether you’re a sole director/shareholder or have multiple business partners.

3 Main Considerations

Revenue Protection – The sudden loss of a key person within the business has costs and Revenue Protection ensures the business receives an injection of funds to help the business survive until a replacement is found

Ownership Protection – The loss or total and permanent disablement of a business partner could force a payout from the business to their estate or heirs may want direct involvement within the business without the necessary skills. Appropriate ownership transfer is critical to business continuity.

Debt Protection – The loss or total and permanent disablement of a business partner can also mean their debt obligations and personal assets are at call by the bank if the debt is defaulted.

A strong business succession plan will provide business continuity with minimum disruption if one or more owners need to exit the business at short notice. Protecting your business is smart business in the end.

Business Expenses Insurance

Business Expenses Insurance provides money to meet the businesses fixed expenses, in the event that you, one of your business partners or major contributors to the business revenue is unable to work. When a business owner is not able to actively work in the business, it will likely have a direct impact on income levels, so in order to ensure the fixed costs of the business can still be paid, Business Expenses Insurance is an ideal solution.

Buy/Sell Insurance

Buy/Sell Insurance provides a funding mechanism for the continuing owners of a business to purchase the share of an exiting business owner due to death or disability. This type of insurance is used in conjunction with a buy/sell agreement.

Key Person Insurance

Key Person Insurance provides a lump sum payment to a business in the event of the death or disablement of an employee whose knowledge, work or overall contribution is considered uniquely valuable to the company. When a key person dies or is disabled, it can create immediate and long term financial problems for the business. A drop in revenue is often inevitable when a key person is no longer there, however losses can also result while the business is searching for and training a suitable replacement. When there is not a suitable replacement readily available, it can sometimes take a significant amount of time and money, to find and train a successor. Key Person Insurance helps insure against this risk.

If you want the peace of mind that comes with knowing that whatever happens in the future you, your family and your business are financially secure, we can help. Contact Us today to make an obligation-free appointment with one of our financial advisers.

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My world fell apart at that moment of diagnosis. As I the battled for my life, knowing that my financial worries were taken care of by trauma insurance let me get on with fighting that fight. Reg took care of everything quickly, and with care, concern, and compassion. My clearest memory is that none of the official meetings felt like a business transaction. Reg visited at my home, we had a chat, shared a cuppa and got it all done … on my timeline.

Karen

Your Trusted Partners

Providing professional Business Insurance Advice solutions since 1968

As a long term family business, we understand what it takes to build a great business and we’re passionate about helping protect your business and personal assets. Our expertise covers a broad range of risks and industries, meaning you get the benefit of professional insurance and financial advice, personalised service and solutions for your specific needs.

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(07) 5482 7485

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We are committed to understanding your needs and focused on providing you with quality advice, personalised service and tailored solutions to help you make informed decisions about protection for your assets, income and lifestyle.
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