In a lot of cases farms equals family and that’s why it is so important to complete and in-depth risk assessment.

Meeting your obligations when you might be incapacitated, will become a number one priority, therefore we need to ensure that there is an adequate strategy in place to come with any such events

• Establishing that you’re on the correct classification

• Assessing your structure

• Recommendations around levels of cover

• Recommendations regarding ACC products

• Premium Saving

Talk to us about workplace Safety Discounts

• Using policies with Rural specific wording

• Taking time to understand farm operations

• Eliminating some risks by implementing self-insuring structures

• Completing in-depth risk assessments, on and off farm

These products are designed to protect your most valuable asset - your ability to earn an income from your work. These products pay a monthly amount if you are unable to work due to illness or injury. These products can be structured to pay for a short, specific term or to provide cover all the way up until retirement age.

New Zealand has a great public healthcare system, with wonderful doctors and hospitals. It does a great job for kiwis who need urgent treatment. The reality is that most treatment is not considered urgent, and often requires long periods on a waiting list. Private Health Insurance funds quick access to, and a choice of, treatment in the private medical sector meaning you can get the best care without having to wait for the public system.

Trauma Insurance products pay out a sum of money if you are diagnosed with, or suffer from one of a large number of listed serious health conditions including Cancer, Heart Attack, Stroke and many more. Trauma Insurance products are often used as a ‘recovery fund’ providing you with the money to pursue treatment options or to cover any additional costs needed to get back on your feet after a serious illness.

Life Insurance pays out if you pass away or become terminally ill. Terminal illness and Life Insurance payout a one-off sum, which can be used to create an investment fund to generate income, to reduce debt, such as a mortgage, or to leave money behind for a specific cause such as funding future tertiary education for children, paying final costs such as funeral expenses, or to leave a bequeathment.

Total and Permanent Disability Cover pays out a sum of money if you become so severely ill or injured that you become permanently unable to return to work. This product is often used to pay down debt, and to account for the additional costs arising from such a severe injury or illness.

Many people consider their family home to be their biggest asset, but how long would your family home stay yours if you were unable to work. There are a variety of products available to protect your income.

Meeting your obligations when you might be incapacitated, will become a number one priority. Therefore we need to ensure that there is an adequate strategy in place to come with any such events.

Often in businesses in New Zealand, we find ourselves in partnership with family or close friends. This often is due to a certain set of skills that our partner possesses which is vital to the operations of the business.

We need to ensure that should your partner be unable to contribute these skills to the business, that you and your family are not impacted by any reduction in revenue.

• Ensure that ACC wont offset against your income protections plan

• Utilise a streamline approach

• Have certainty at claim time

Just having the correct insurance in place when you own a business is not always enough.

In most businesses, shareholders do not have the correct buy/sell agreements in place to effectively utilise their insurance, this could lead to costly delays and potential tax liabilities.

Productivity and engagement increases when people aren’t stressed about money, their futures and the future of their children.

Stress, in all its form, including financial stress, reduces employee productivity, increases absenteeism and presenteeism, increases the number of days taken off work for doctor visits, and increases healthcare costs incurred by employers.

We understand that great staff is the most important ingredient in any successful business

Give your staff confidence and added security by offering them a group cover

Protect the people in your business with specific skills

Enable ongoing production

Locum costs covered