Insurance Solutions to Suit Your Business Requirements

No business is without risk, whether you run a small commercial enterprise or operate a multi-national corporation.

The key to managing it is to partner with Insurance Brokers who understand the risks inherent in your particular field of business. It's your advisers role to introduce you to relevant insurance providers and their products to help instigate a risk management solution that BEST meets your specific insurance requirements.

Why Group Insurance?

In the current workplace market, the importance of businesses being able to stand out and differentiate themselves as an “employer of choice” is becoming increasingly vital. A workplace staff insurance program can form part of an overall employee benefits’ plan in order to help achieve this.

Some of the key benefits behind this kind of plan are:

Staff Attraction & Retention
Increasing Morale via Cash in Times of Need
Reducing Recruitment and Training Costs & a Positive Workplace Culture

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Business Protection Plan Options 商业保护保险

Life Assurance can help organise a Business Protection Plan offering a comprehensive range of covers that provide financial support in a variety of situations.

Your Business Protection Insurance plan options will allow you to mix and match a number of covers, for as many key stakeholders as needed, and with the appropriate ownership structures to achieve the correct outcome for your specific business.

Your Life Assurance adviser will discuss with you the various options available to help you decide the best fit for your particular business.

Key Person Cover

Your Life Assurance adviser will discuss with you the various options available to help you decide the best fit for your particular business.

This cover is designed to provide a capital injection into the business upon the Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death of a key employee or sole trader of the business.

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Debt Protection Cover

This cover is designed to fund business debt re-payment upon Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death of any employee, owner or sole trader, whose death, terminal illness or total long term disability would trigger a requirement for the debt to be repaid.

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Ownership Buyout Cover

This cover is designed to fund the buy-sell agreement commitments of the business for an employee owner whose Total Long Term Disability, Total and Permanent Disability, Terminal Illness or Death would trigger the buy-sell agreement. Ownership Buyout Cover is not available to sole-traders.

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Revenue Protection Cover

Any employee who makes a significant contribution to profits is likely to be a key person in your business. Loss of Revenue Cover and Variable Loss of Revenue Cover each provide an agreed monthly revenue replacement benefit when a key employee or sole trader is disabled, either totally or partially.

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Why Life Interruption Cover?

Group Life Interruption Cover provides a financial safety net should your employee suffer one of the claim events or be diagnosed with one of the covered conditions, potentially interrupting their usual day to day life.

"Traditional income cover reduces the amount payable by the amount received from ACC, however, this is not the case with Group Life Interruption Cover”

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Insurance For Rural, Plant, Equipment, Office Contents

Comprehensive Business Insurance for Small - Large enterprises, Agricultural and Rural is provided through Kepa General, a flexible comprehensive solution for all your business insurance needs, providing competitive pricing and peace of mind from New Zealand's leading Domestic and Commercial Insurers.