Business protection insurance
Shareholder buy-outs, key person cover, personal guarantees on business debt, group schemes and succession — the cover that protects a business rather than a household.
10 guides in this section
Owners and shareholders
- Shareholder protection insuranceHow shareholder protection works in NZ — funding a buy-out when a shareholder dies or is permanently disabled, and who should own the policies.
- Buy-sell agreementsHow a buy-sell agreement works in NZ, what triggers it, how the valuation method is set, and why an out-of-date agreement leaves a funding gap.
- Key person insuranceKey person cover in NZ — how to identify a key person, how the sum insured is estimated, and the difference between cover for revenue and cover for debt.
- Business debt protectionBusiness debt cover in NZ — term loans, overdrafts and the personal guarantees that put the family home behind company borrowing.
- Business succession planningBusiness and farm succession in NZ — how insurance sits alongside the agreement, the valuation and the tax structure, and how life cover equalises an estate.
Keeping the business trading
- Business expenses coverBusiness expenses cover in NZ — which fixed overheads it reimburses while an owner cannot work, the usual 12-month benefit period, and who it does not suit.
- Locum coverLocum cover in NZ — paying a replacement professional so a practice keeps trading while the principal cannot work, and how it fits with overhead cover.
Cover for your team
- Group life insuranceHow group life schemes work in NZ — automatic acceptance limits, cover as a multiple of salary, what happens when staff leave, and the tax questions to ask.
- Group health insuranceWorkplace health schemes in NZ — automatic acceptance, how pre-existing conditions are handled, what happens when staff leave, and the FBT question to ask.
Tax
Not sure what cover you actually need?
That is the question an adviser is there to answer. Tell us your situation and a licensed New Zealand adviser will compare the market and come back with a written recommendation — including where you can cut cover you do not need.
No cost to you and no obligation. General information only — not personalised financial advice.
Whole-of-market comparison
Advisers quote across the major New Zealand insurers rather than one product range.
Registered advisers
Your enquiry goes to Registered Financial Service Providers, not to a call centre.
No cost to you
The insurer pays the adviser. You pay the same premium either way.
Cover sized to your life
A good adviser will tell you when you are over-insured, not just sell you more.