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Business Risk Insurance

All businesses face risk, regardless of their size or the industry they are in. While we can’t control what happens to us in life, we can make the bad times easier.

Could your business keep working when you or other key people can’t? Life and health insurance gives you a way to make sure your assets and your business are adequately safeguarded.

Why do I need insurances cover for the people in the business?

Will your business achieve the continued turnover if a key person, share-holder, or owner of the business was unable to work due to an illness, injury or death?

In business the most important assets are the people and the revenue they generate thru their specialised tasks and duties.


  • What is the financial impact on your business if you lose a key person?
  • How soon before your business started accruing additional costs?
  • Have you loaned funds to the business through your current account?
  • Have you used your private residence as security?
  • Loans and guarantees remain in force and transfer to your estate in the event of death or permanent impairment.
  • Could your family manage?
  • How would your family assess the value of your shareholding if you died or were so disabled that you could never work again?

Business Life Cover

Business Life Insurance provides for business continuity. It is a way to ensure your business…

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Key Person Cover

Provides a monthly benefit and/or lump sum to offset additional costs of losing a key…

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Debt Protection Cover

Provides a lump sum to repay debt to shareholders or release personal guarantees, following serious…

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Shareholder Cover

Provides a lump sum for remaining shareholders to purchase the shares of a shareholder who…

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Buy / Sell Agreements

A Buy-Sell Agreement is highly recommended for share-holders in business. It is a highly efficient…

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Employee Benefits

We can assist businesses with putting in place staff insurance covers. Staff insurance covers can…

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ACC Cover

We can help self-employed business clients obtain the very best ACC and Risk Cover. We…

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Farmers Insurance

Yes, Farmers need insurance as well. Why ? Farmers need life insurance to protect the…

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