The overheads don’t disappear when we get ill or injured – and those never-ending bills can be too much for some small businesses, partnerships and sole traders. With a payout from Business Expense Insurance though you’ll be able to keep the lights on, even when illness or injury means you’re not there to flick the switch yourself.

Got great people and want to keep them? Employee Health Insurance is the #1 work perk for Kiwis (according to SEEK). It’s not a one-way street either, studies show employee medical schemes boost both staff retention and productivity. For groups of 15 or more, all pre-existing conditions are automatically covered and your employees can personalise their cover with a variety of upgrade options.

Knowing your debts will be covered if something happens to you or your business partner gives you the confidence to invest in building your business today – free from the fear of leaving someone you love to carry the can. Lump sums from Life and/or Total and Permanent Disability policies can also fund what’s needed to keep your business going after you’re gone, ensuring your hard work leaves a lasting legacy.

When you’re in business with others, Shareholder Protection ensures you don’t lose control if one of your shareholders is totally and permanently disabled or dies. You’ll get the funds to buy out a deceased partner’s share of the business — and the peace of mind of knowing that, if you’re the one unexpectedly departing, your loved ones can easily turn your shares into their ongoing financial security.