UNDERSTANDING YOUR INSURANCE NEEDS
Protecting Your Future
Personal insurance - Business Insurance - Home/Car/Contents
Our business philosophy is “to find out what a client needs and explain the solution in plain language—and to keep explaining throughout a regular review process”. We focus on helping clients through every step—the application, review process and claim.
A surprising fact of life is that many people don’t know exactly what provision they have in place for protecting their lives, lifestyle and business—people are often paying too much for an noncompetitive product, paying for the wrong cover or don’t know what is available for their particular needs.
If the worst should happen - if you died, became terminally ill, or suffered illness, injury or disability - personal insurance is vital to financially support what matters most: you and your loved ones. Depending on the cover you choose, personal insurance can provide support through a difficult time by:
paying out a lump sum to be used as you wish
paying out a monthly benefit
providing you access to private healthcare services
helping you get back to work
reimbursement of medical expenses.
If you, a co-owner, or a key person whose skills and knowledge are vital to your business’ success, died or suffered a serious illness or injury and was unable to work, consider some of the areas this could impact your business:
Revenue: A direct impact on sales can occur due to loss of a staff member who is fundamental to driving growth.
Expenses: You may incur additional costs associated with replacing a key staff member, such as recruitment and training.
Relationships and contracts: You may experience the loss of key clients or a critical supplier if you lose a staff member who manages key relationships.