If you own a business one of the most important contracts you will ever enter into is your insurance contract. Whilst premium and insurance costings are important it should not be the only focus. Your business is your Livelihood as well as your employees. We protect that! This is such an important responsibility and this is what drives our philosophy in everything we do. We do this so you can have security and peace of mind.
NZ Financial Brokers will tailor an insurance programme especially for you. You will be provided with a Free comprehensive HAZARD Report which will identify all the hazards in your business and specific to your occupation. We will then work in partnership with you to cover off these risks either through risk management or insurance. NZ Financial Brokers will then canvas the market on your behalf to ensure that you are getting the best possble value.
Business Interruption Insurance
Loss of Gross Profits, Loss of Rents, Loss of Turnover are the life blood of any business. Having your profits insured correctly is critical. We will work with you and your accountant to set an appropriate sum insured and will talk to you about insuring any increased costs, loss of key staff / people, and fees incurred after an insured event.
In business you face risks everyday. Liability cover gives the business owner protection against any claims for negligence where you are legally liable. This can include covers such as Public Liability Insurance for property damage, Professional Indemnity Insurance for Breachs of Professional Duty, Directors and Officers Liability for breaches of your duty as director of a company.
Key Person Insurance
The risks in business are not just your physical assets but your Human Capital as well. You can insure your key staff that generate most of your sales or you can insure against the replacement cost of hiring someone else to their job whilst they are unable to work. If you are the owner of the business you may want to insure yourself so you can protect your business cashflow should you be unable to work.