About Business Cover
Business cover provides essential financial protection for your business in case of unexpected events. Key Person Cover ensures that if a crucial employee or business owner is unable to work due to illness or injury, your business remains protected with a financial payout. Business Continuity Cover safeguards your operations, helping cover expenses and keep your business running during times of crisis. Start-Up Business Cover provides the necessary support to protect your new venture, offering financial stability in the early stages. These tailored solutions help ensure that your business can continue to thrive, no matter the challenges. Contact me today, and I’ll help you set up the right business cover to suit your needs.
Income Protection for Business Owners – Bridging the ACC Gap
As a business owner, your income and operations are critical to your success. However, if you’re injured or ill, ACC payments may not fully cover the income or business expenses you rely on.
Business Income Protection helps fill this gap, providing financial support to cover lost income and ongoing business costs when ACC compensation is insufficient or unavailable. This cover ensures your business can continue running smoothly during your recovery, helping you focus on getting back on your feet without the added stress of financial uncertainty.
It’s essential for business owners who need stability, ensuring that their operations stay afloat even when unexpected events occur.
Business Income Protection: Keeping Your Business Running, No Matter What
When unexpected events like a serious illness or injury affect a key person in your business, it can disrupt operations and strain your financial stability. Without the right insurance, the costs of maintaining business operations—such as paying employees, covering overheads, or meeting critical financial obligations—can quickly become overwhelming.
You can rely on us to clear your path forward
Navigating business insurance can be complex, especially when it comes to understanding exclusions, special conditions, and premium loadings. Whether you’re protecting your income, ensuring your business stays operational, or safeguarding against business interruption, you need a partner who understands the unique challenges businesses face.
At Oasis Insurance, we specialise in simplifying the complexities of business insurance. From business income protection to interruption insurance. We offer tailored advice to ensure your business remains covered when it matters most. We work with trusted providers to offer comprehensive, flexible solutions that meet the specific needs of your business.
Our focus is on ensuring that your business is protected with the right cover, providing peace of mind during tough times. From application to claims, we guide you through every step, ensuring that you stay focused on what matters: running your business.
You can rely on us to clear your path forward
We know that navigating insurance policies can feel daunting. You might worry about exclusions, special conditions, or the premium loadings that may apply. Whether you’re considering life cover, disability insurance, or business interruption insurance, you need a partner who truly understands your personal situation and your business needs.
At Oasis Insurance, we simplify the complexities of income protection with tailored advice from experienced insurance advisers. Whether you’re seeking personal income protection, business income solutions, or a policy designed to keep your business running, we ensure your insurance remains in place when it matters most. We work with trusted providers to offer comprehensive options that suit your unique needs.
Our focus is on making sure you have the right insurance cover, providing peace of mind with benefit payments that help cover costs during tough times. From application approval to claim time, we guide you through every step with clarity and care, ensuring no detail is overlooked.
Secure today and protect tomorrow by contacting us
Peace of mind isn’t just a feeling—it’s knowing your family is covered, no matter what. With Oasis Insurance, you can move forward confidently, knowing that your business’ financial security is in good hands. Get in touch today to explore your life insurance options and take the first step toward lasting peace of mind.
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Frequently Asked Questions
What is income protection insurance?
Income protection insurance provides financial support by replacing a portion of your income if you’re unable to work due to illness or injury.
Why do I need income protection?
If you depend on your income to cover expenses like bills, mortgage payments, or daily living costs, income protection ensures you have financial stability while you recover.
Can income protection cover business expenses?
Yes, specific policies can include coverage for business expenses, helping self-employed individuals or start-ups maintain operations during unexpected disruptions.
What is a total disability benefit?
A total disability benefit provides payments when you are completely unable to work due to illness or injury, ensuring financial support during your recovery.
What is a partial disability benefit?
A partial disability benefit offers payments if you can return to work in a limited capacity but are unable to earn your full income.
How does key person income protection work?
Key person insurance protects businesses by covering lost income or expenses if a critical team member becomes unable to work.
Can self-employed individuals get income protection?
Yes, income protection insurance is available for self-employed individuals, offering tailored options to cover personal and business expenses.
What is start-up income protection?
Start-up income protection provides coverage designed for entrepreneurs, ensuring financial stability as they grow their business.
Does income protection include life insurance?
While income protection and life insurance are separate products, your adviser can help you tailor a package that includes both for comprehensive coverage.
How do New Zealanders make a claim on their income protection policy?
To make a claim, contact your insurer or adviser, provide the required medical and financial documentation, and follow the claims process outlined in your policy.
What support does income protection offer if I’m totally disabled?
Income protection, available from leading insurance companies like AIA, provides regular monthly payments to help with income replacement if you’re totally disabled and unable to work. These payments can cover personal expenses or help keep your business running, offering a crucial benefit to help cover costs during difficult times. While policies are general in nature, your insurance adviser can tailor a plan to suit your needs. Be aware that an application being approved may incur an additional cost, but the disability benefit ensures financial stability when you need it most.
How can an adviser help with income protection?
An adviser ensures you get the right income protection cover to suit your needs, guiding you through the process and tailoring your policy for maximum benefit.
How can income protection help me and my business in New Zealand?
Income protection, available from trusted insurance providers like AIA New Zealand Limited and Asteron Life, offers regular monthly payments to replace income if you’re unable to work due to a related illness or injury. This type of insurance can help cover costs like your personal expenses or business continuity needs, ensuring that a key person in your business or your family is financially supported. Policies may include exclusions and premium loadings, so it’s important to refer to the policy wording for full details.
An experienced insurance adviser can provide tailored financial advice, ensuring your policy suits your specific insurance needs. While sick leave and lump-sum payouts can offer short-term relief, income protection ensures long-term security. Be mindful that loadings may apply, and additional costs could arise depending on your situation, but with the right policy, income protection may be the key to keeping your financial plans intact during challenging times.
Do I need income protection insurance?
If you rely on your income to maintain your lifestyle or support your family, income protection insurance offers peace of mind and financial security.
What is income protection insurance?
Income protection insurance provides financial support by replacing a portion of your income if you’re unable to work due to illness or injury.
Why do I need income protection?
If you depend on your income to cover expenses like bills, mortgage payments, or daily living costs, income protection ensures you have financial stability while you recover.
Can income protection cover business expenses?
Yes, specific policies can include coverage for business expenses, helping self-employed individuals or start-ups maintain operations during unexpected disruptions.
What is a total disability benefit?
A total disability benefit provides payments when you are completely unable to work due to illness or injury, ensuring financial support during your recovery.
What is a partial disability benefit?
A partial disability benefit offers payments if you can return to work in a limited capacity but are unable to earn your full income.
How does key person income protection work?
Key person insurance protects businesses by covering lost income or expenses if a critical team member becomes unable to work.
Can self-employed individuals get income protection?
Yes, income protection insurance is available for self-employed individuals, offering tailored options to cover personal and business expenses.
What is start-up income protection?
Start-up income protection provides coverage designed for entrepreneurs, ensuring financial stability as they grow their business.
Does income protection include life insurance?
While income protection and life insurance are separate products, your adviser can help you tailor a package that includes both for comprehensive coverage.
How do New Zealanders make a claim on their income protection policy?
To make a claim, contact your insurer or adviser, provide the required medical and financial documentation, and follow the claims process outlined in your policy.
What support does income protection offer if I’m totally disabled?
Income protection, available from leading insurance companies like AIA, provides regular monthly payments to help with income replacement if you’re totally disabled and unable to work. These payments can cover personal expenses or help keep your business running, offering a crucial benefit to help cover costs during difficult times. While policies are general in nature, your insurance adviser can tailor a plan to suit your needs. Be aware that an application being approved may incur an additional cost, but the disability benefit ensures financial stability when you need it most.
How can an adviser help with income protection?
An adviser ensures you get the right income protection cover to suit your needs, guiding you through the process and tailoring your policy for maximum benefit.
How can income protection help me and my business in New Zealand?
Income protection, available from trusted insurance providers like AIA New Zealand Limited and Asteron Life, offers regular monthly payments to replace income if you’re unable to work due to a related illness or injury. This type of insurance can help cover costs like your personal expenses or business continuity needs, ensuring that a key person in your business or your family is financially supported. Policies may include exclusions and premium loadings, so it’s important to refer to the policy wording for full details.
An experienced insurance adviser can provide tailored financial advice, ensuring your policy suits your specific insurance needs. While sick leave and lump-sum payouts can offer short-term relief, income protection ensures long-term security. Be mindful that loadings may apply, and additional costs could arise depending on your situation, but with the right policy, income protection may be the key to keeping your financial plans intact during challenging times.
Do I need income protection insurance?
If you rely on your income to maintain your lifestyle or support your family, income protection insurance offers peace of mind and financial security.