Buy & sell insurance pays a lump sum to surviving business partners if a shareholder passes away. It helps them buy the deceased’s shares from their estate, keeping ownership clear and ensuring the business stays with the partners—not the deceased’s family.

Group insurance policies offer life, health, income protection, or disability cover to employees collectively. They help businesses attract and retain good staff by providing valuable benefits and discounts.

Employers can choose to cover premiums fully, partially, or simply pass on the savings, either way, employees benefit.

Key person insurance provides a lump sum or monthly payment to help your business if a vital employee can no longer work.

While businesses often insure physical assets, key person cover protects the people critical to daily operations, like owners, CEOs, or key employees, offering financial support and peace of mind during tough times.

Rural protection insurance, designed for farmers, provides monthly payments if illness or injury prevents you from working.

Since farming is vital to New Zealand’s economy and a significant personal investment, this cover helps protect your farm and livelihood by supporting its ongoing care and success during tough times.

Something we often forget about. Making sure you and your staff are in the correct fund and with a provider that suits the company's values is imperative