Business Insurance Solutions

Our range of products includes: Business succession planning, Life Cover, Trauma Cover, Key Person Protection, Business Overheads, Locum Cover, and Total Permanent Disability.

Our providers are: AIG Life, Asteron Life, AXA, Fidelity Life, OnePath, Sovereign Assurance, Tower Health & Life.

We provide a full Business Insurance Analysis to identify your business insurance needs. Our Six Step Anaylsis Process, ensures that you receive a personalised and professional service.

Life Cover Is a lump sum that protects the lifestyle and future of your family and loved ones if you die, terminal Illness is also built in the Life Cover.

Trauma Cover Is a lump sum that pays to helping you to survive after having suffered a trauma. New Zealanders are suffering an increasing incidence of cancer and we still experience high levels of heart disease and strokes. With ongoing advances in medical science,however,you have a greater chance of surviving a serious medical condition.

Income Protection benefit provides you with a monthly payment if you are unable to work due to illness or injury.

Start Up Income Protection this is for new to business people who have been in business from 1month to 3 years, it is an agreed value contract with a monthly benefit, determind at application time. NO Proof of income required and pays a monthly benefit, if you are unable to work due to illness & injury with NO ACC OFFSETS at claim time. (Need more information)

Total Permanent Disablement (TPD) cover can provide a lump sum payment, and financial pease of mind, should you become totally and permanently disabled and unable to work, though illness or accident. 

Business Income Cover can provide a monthly benefit payment to help keep your business running should you or your key employees become disabled as a result of an illness or injury and be unable to work more than 10hrs a week. It's designed to meet the needs of the business owners who have been trading for more than 3 years as well as key employees. This is  an agreed value contract, up to $5000.00 per month payment benefit with NO Proof of income and has NO ACC OFFSETS at claim time. (need more information) Above $5000.00 2 years financials and NO ACC OFFSETS at claim time.

Rural Income Cover can provides a monthly payment to safeguard the futue of your farm or sharemilking business (you must own, part-own or lease the farm or herd) should you become disabled as a result of an illness or injury and be unable to work more than 10hrs per week. It's designed to meet the needs of farmers who also work on the farm, as well as sharemilkers. The business turn over is used for cover availablity or an agreed value up to $5000.00 per month payment benefit with NO Proof of income and has NO ACC OFFSETS. Above $5000.00 Profit & Lose figures and NO ACC OFFSETS at claim time. (need more information)

Medical Insurance (individual or Group) This will cover hospital costs & treatment up to $250,000 person per policy year, with or without an excess. You can add specialist and test these are covered 100% with or without an excess.