When life doesn't go to plan, having the funds you need can certainly make circumstances easier. Whether it's money for medical costs, mortgage repayments or just daily life, the right insurance plan will make sure you're covered.
- Professional Indemnity
- General Liability
- Commercial Vehicle
- One Man Band / Sole Trader
As an owner/operator if you were to become sick or get injured, it would be increasingly difficult to operate your business and pay the bills. You may not be able to afford a sub contractor to take care of your customers while you are out of action so why not get the cover that is right for you?
- ACC and You
Cover Plus or Cover Plus Extra?
ACC provides an injury cover for everyone in New Zealand, no matter where the injury occurs. Most self employed business owners are automatically put onto Cover Plus, however this may not be the ideal plan for you.
Let Futurisk Insurance introduce you to Cover Plus Extra. Cover Plus is not guaranteed, it pays only 80% of your gross income. However if you have staff out working and generating income for you while you are unable to work, ACC may not pay you. Cover Plus Extra will pay the agreed sum no matter what your earnings were in the previous 12 months, prior to you being unable to work. Cover Plus Extra even pays if your staff continue to work and generate an income for your business.
Our accredited Financial Advisors will work with you to work out the best possible combination of ACC and Insurance Protection cover, and quite often we can reduce your ACC levies. We make sure you have an affordable plan, with a mix of ACC and Income Protection and still save money on your previous Cover Plus levies.
- Small and Medium Sized Business
Small and Medium Sized Businesses
Most businesses appreciate the need to manage the challenges they face everyday. If you are in business, chances are that you will insure your premises, vehicles, equipment and stock against fire, flood and theft. However have you considered combining your personal income and assets into one insurance plan that suits you and your business?
- Shareholder Protection
The loss of a shareholder or business partner can have a dramatic impact on your business. Would your business survive if something unexpected happened to one of the owners/directors, and who would take their place in deciding how your business should run?
- Debt Protection / Business Debt
Debt Protection/Business Debt
If you or your business partner were to become ill, injured or pass away, could your business continue? You may be liable for your partner's share of the business and debts in addition to your own. Insurance payments can be used to repay any outstanding debt.
The purpose of this insurance is to give you peace of mind, meet obligations under the law and reduce the risks of losing your personal wealth and the personal assets of your directors that are linked under your business loan.
- Key Person Insurance
Key Person Insurance
Covering the revenue generated by a key person is vital. If a key person in your business is not able to work due to an illness, injury or death, would the profitability of the business be seriously at risk?
Key Person Insurance protection can provide a lump sum or regular monthly payment to cover expenses and keep the business moving forward while a replacement key person is found.
- Revenue Protection
Revenue Protection provides you a monthly payment should you suffer any injury or illness and are unable to work. This benefit can be utilised to pay for any business expense like staff wages, building, utilities etc, and it is another type of "income protection" for your business.