Business Insurance
Christchurch, NZ
Business Medical Insurance
Business health insurance provides your team with security and peace of mind should they fall ill or require medical help. When choosing a job or accepting a position, the quality, or the mere fact you have health insurance could determine whether you attract the best talent. In New Zealand, eight out of ten employees rate medical insurance as an important company benefit.
Getting health insurance for your team is more affordable than you might think. In most cases, subsidised health insurance is less than 1% of your total salary bill. Any money you pay for premiums is offset by an increase in productivity – healthy staff are three times more productive than unhealthy ones.* An absent employee typically costs an employer $600 to $1,000 a year due to sickness. Staff with health insurance can return to work up to three months faster than those without access to private treatment.
Business Key Man Insurance
Key Man Insurance is a term used for a range of insurances that protect your business from financial loss should a certain person be unable to work due to illness or injury. As a business owner you are usually considered a Key Person. You are the one that drives the company to generate the income, your company would not be as successful without you.
Of course you cannot be everything to everyone and you may have employees that are just as important to your success as you are. It doesn’t matter who they are or what position they fill, we understand how important they can be and if they are essential we can work together to produce a tailor made plan to protect you and your business.
Business Income Protection
Your ability to earn an income is a valuable asset no matter how much you make. Have you considered if you lose or reduce your income due to illness or injury? Having an ongoing income shouldn’t be something you need to worry about. Income Protection cover can help you replace a portion of your income and helps you meet your financial commitments if you’re unable to work because of illness or injury. We never know what life is going to throw at us.
We can work with you to find the best solution to protect your income so you are protected on those ‘rainy days’ and be able you to make choices that are important to you and your family.
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Nigel Elson
Friendly financial advice