Business Insurance Advice

We help business owners sort their peace-of-mind through smart, efficient Business Insurance Advice. We ensure they have the Three C's in their business - Cash, Control and Certainty. This means the right amount of cash, going to the right hands, at the right time, with the right purpose. 

Why do Shareholders and Key Persons in businesses need protection?

Business owners face following financial risks, frequently if one or more of the owners face death or permanent disability. This can hugely impact business operations temporarily or permanently.

Smart, efficient business insurance can help manage these risks so that you can keep working hard on your business.

What are the risks?

An extra tip for Shareholder-employees!

ACC Cover Plus Extra

If you own a business or are self-employed you will be paying ACC levies for a form of accident-only disability cover called ACC CoverPlus – it’s intended to cover some of your lost income (up to 80%) if you are injured and unable to work.

However, there’s an alternative option called ACC CoverPlus Extra that can save you money on levies, and time when you need to make a claim. ACC CoverPlus Extra allows shareholders to change their ACC classification codes (occupation codes that determine your level of risk and levies). 

Shareholders can apply to be rated individually in terms of the work they perform. There are very few situations where ACC CoverPlus Extra does not suit business owners or sole-traders and costs nothing to set up. In most cases, ACC CoverPlus Extra has helped many Kiwi owners save money.


There are some fundamental differences between the two types of ACC Cover and the image on the right summarises these.