Business Insurance

As there are many different climatic, economic and health situations that can affect your business performance – it is important that your insurance needs match this changing environment. A business relies on the functionality of many people, business owners, shareholders, and key staff. The loss of or temporary loss of these factors may have a dramatic effect on your business.

When the need for protection is understood, the available products can create adequate and comprehensive cover in the event of a serious illness, injury or death of key people required to maintain full operation of your company.

Buy/Sell Agreement & Shareholders Agreement

Some call it a continuation plan, or a will for a business. What ever you call it, it is often vital to the continuation of a business to ensure stability and manageability through a buy/sell agreement.

Business Interruption

Often used in common with material damage, the purpose of business interruption insurance is to place a business in the same financial position in terms of trading as would have been the case before the fire, floods, burglary, earthquake or other such insured event.

Indemnity Cover

Indemnity Cover provides protection for professionals against damages that may be awarded or negotiated in relation to some act or error during the conduct of their profession.

Key Person Insurance

This benefit is designed to protect you business against financial implications that may arise from the untimely death or disablement of a key person. It is an ideal foundation on which to build protection to retire or replace a member to keep the business working.

Locum Cover

Locum cover provides funds to help your business maintain operation if you are unable to work. It reimburses the costs of replacing you or if it is not suitable to replace you with a locum, it provides cover for eligible business overheads.

Liability

Liability Cover protects businesses against claims for compensation in respect of unexpected and unintended personal injury or property damage for which you may be legally liable arising out of your business activities.

Material Damage

The purpose of material damage insurance is to replace business assets, buildings, plant and stock which has been destroyed, lost of damaged due to fire, flood, burglary, earthquake or other such insured event.

Commercial Vehicle

Commercial motor vehicle insurance covers you against accidental damage to or loss of your motor vehicle while engaged in personal or business use. In addition the policy also pays for any sums you become legally liable for in regard to los or damage to property or any person.