Important Risks Every Business
​Owner Must Consider

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ACC Risk
​Are you actually protected by ACC or are you just throwing money down the drain with a low chance of ever being able to claim? ​Did you know you can lower your ACC levies?  Or you can increase your ACC if you don’t have adequate personal insurance.
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Key Person Risk
What happens if you or another key person was unable to work? Would the business still run? Are you willing to risk it? We check to see if you are covered and if it is the right protection for your business.
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Business Debt Protection
Don’t be left with personal guarantees that are called up or your business partner’s debt, if a major event affects your business’ ability to repay debt.
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Shareholder Risk
If you have a business partner - do you have exit protection? Shareholder Buy Sell Agreements protect you should the worst happen. ensure when your business partners dies, you don’t find yourself unexpectedly in business with a lawyer you don’t know, or the trustees of a family trust – both with a very different agenda.
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Fire and General Insurance
If you have inadequate cover, you and your family will ultimately pay the price.  The risks for businesses are constantly changing, especially in the areas of liability.  Do you know if you have adequate business interruption and cyber insurance? Do you understand all your policy wording?
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Important Risks Every Working
​Person Should Consider

Medical
​Do you want options in the event of a major illness or accident?  Yes we have a public system and ACC, but they don’t give you options of non-pharmac drugs, overseas treatment, a second opinion, and the ability to go to the best treatment providers.
Income
​We work so hard to set ourselves up – the last thing you need is to find yourself relying on WINZ if you are used to earning a reasonable income.  Protecting your income and your lifestyle is important at any age.
Mortgage
Your family may be left with debt they may be unable to repay, if something happens to you and your ability to provide for them.
House, Contents, Vehicles, Travel
​Ensure you have adequate levels of cover (the difference in premium is negligible) and be aware that these insurance policies aren’t just covering your assets – they are covering your liability if you accidently damage someone else’s property (this is just as important if you are renting).
​ "Vicki and the team are awesome - They are smart forward thinkers and always look after people. 

With the years of experience in insurance and business industry it is a no brainer to speak with them!"
- Stephen Martin

Book A 15 Minute Business Risk Audit