Business Insurance

Income protection cover

Income cover provides a financial safety net should you suffer a total or partial disability which causes a reduction in your ability to earn your normal income. The monthly benefit you receive under the cover is designed to replace a significant portion of lost income to help maintain your usual lifestyle during treatment and recovery.

Taking out an income protection policy also enables you to significantly reduce your ACC levies.

  • We can help minimise your ACC levies by balancing risk assessments between ACC and insurance policies.
  • We can help with assurance of income in case of an accident.

CASE STUDY: When a self-employed builders world collapses around him

Business overheads insurance

This cover pays for your fixed business expenses if you as a business owner are unable to work due to accident or illness.

Locum cover

This policy funds the salary of a replacement person who can carry out your work if you are unable to due to accident or illness.  Locum cover is a popular policy with professionals such as accountants, solicitors, dentists and doctors.

Key person insurance

This cover provides salary replacement or funds to employ a contractor if a key person in the business is unable to work due to accident or illness.

Share purchase insurance

This cover provides funding to enable a business partner to obtain 100 per cent ownership of the business by purchasing all shares in the company if a business partner dies.

What our clients say

  • ""Further to a personal enquiry I would like to say that Yvonne has changed my general opinion of Insurance Brokers – with Yvonne it’s not all about sell, sell, sell, it’s about building a long standing relationship, she listens and then provides informative, sound and professional advice surrounding all aspects of your life and career. ""

    Tori Mortimer (ASSISTANT.CO.NZ)

  • ""Yvonne organized health insurance for me and got me an excellent deal! She also managed to reduce my A.C.C.bill. Great service! ""

    Bjorn Leigh (H4 BUILDERS LTD)

  • ""Yvonne always responds to my referrals promptly. She pays diligent attention to them. She is knowledgable about the full range of life insurance products. She provides good advice that is applicable to the prospect or client.""


  • ""I would like to take this opportunity to express my great thanks to Yvonne for her incredible patience and professionalism while assisting us with our insurance needs. She met with my husband and myself on several occasions and thoroughly explained all our options. Yvonne was very friendly and explained the policies in a manner that was simple to understand, omitting all the confusing jargon. She was extremely knowledgeable and took the time to truly understand our business and family needs, ensuring a solution that tailor-made for us! I highly recommend Yvonne to anyone in need of some guidance with their insurance needs. She’s truly the best! ""

    Angela Murray (Redspark Creative)

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