Business Insurances

We have developed a strategic alliance with a leading group of insurance brokers so that we can provide you with quotes on a full range of insurances including:

Business

Income Protection
Commercial – Professional Indemnity
Office Contents
Retail – Public Liability, Shop, Stock & Glass
Industrial
Trauma Cover

Domestic

House & Contents
Motor Vehicle
Term Life

Income Protection

Statistics suggest the average Australian worker will earn more than $2 million in their 40-year working life. With these facts in mind it is important to consider what would happen to you and your family if you were sick or injured and unable to earn that money?

Insurance industry statistics tell us that every working Australian has a one in three chance of becoming disabled for more than three months before turning age 65. While there are measures in place these are somewhat limited. Employees are entitled to sick pay, however, this is very limited and would not be sufficient enough should you have a serious injury. There is also workers’ compensation, however, this only covers you for those injuries sustained at work. An income protection policy on the other hand, will pay you up to 75% of your income (salary plus super and any other benefits) allowing you to maintain your lifestyle and keep paying your mortgage and other debts.

Most people would ignore this issue and think it won’t happen to them but should illness or injury occur income protection insurance ensures that you can provide you and your family with a regular income.

Life Insurance

No one likes to think about the worst case scenario but every day in Australia 360 people are diagnosed with some form of cancer and over 44,000 Australians die from cancer each year.

Statistics tell us that serious illness does not discriminate based on age or gender and the fact is that a majority of Australians are either under insured or not insured at all. People may claim that they can’t afford life insurance. However, the question they should really be asking themselves is, can you afford to live without it? No matter what stage of life you are at, most people have financial commitments which can be covered if you have the appropriate insurance police. You can be insured against death, injury or illness with policies including:

Death cover (term life) pays a lump sum to your dependants if you die unexpectedly (cover often ceases once you turn 65)
Total & Permanent Disablement (TPD) pays a lump sum if you suffer an illness or injury that permanently prevents you from working (e.g. Losing both hands)
Trauma cover pays a lump sum if you suffer any range of specified illnesses such as heart attack, stroke or cancer.

If you’re looking for practical, down to earth business advice including insurances, contact us today. We are ‘business and profit builders’ who enjoy working with ambitious business owners looking to accelerate their business success.

To take the next step we invite you to book a FREE, no obligation, one hour introductory consultation to discuss your business needs. You’ll get practical business, tax, marketing and financial advice that could have a significant impact on your bottom line. To book a time, call us today on 1300 789 844 or complete your details in the box at the top of this page.