Business owners understand that personal and business insurance provides them with long-term protection. It’s a small cost to provide a large cover when something goes wrong and it is a smart strategy. But if either your business or personal insurance is poorly structured, it can be an unnecessarily large expense – inhibiting your ability to focus on other areas of your life and business. Structuring your insurance correctly from the beginning and refining it as your business progresses is the key.
How to Structure Your Insurance Products
All business owners have a group of trusted professionals they rely on – an accountant, a lawyer and IT support. To strengthen your group of trusted professionals and protect your business, your insurance broker should be a part of that group. However, before you invite them into your close confidences ensure that they have a strong understanding of the New Zealand Insurance market and how it may apply to your business. Once you are confident you’ve chosen the best insurance broker, take advantage of their industry knowledge with regular consultations. This will update them on your business changes so they can adjust your policies accordingly.
Match Your Insurance to Your Unique Business and Personal Situation
Structuring your insurance correctly is no simple task. Between personal and business insurance there are a myriad of policies you need to choose from. Whether you’re a small restaurant or a large manufacturer, you need to find the insurance products that match your needs.
If any unexpected event does occur, you know you will be able to make a claim and protect your business and family. When you find the right insurance broker, you will feel confident that your business and family are always protected.
Your Family and Business Will Be Protected
An insurance broker from 100% New Zealand owned company, PIC Insurance Brokers, will take the time to learn the ins and outs of your business and life. This allows us to find the insurance cover that fits your needs. You are the experts in your business and industry, we’re the experts in insurance – and together we find the right mix of policies to protect you.
The comprehensive business insurance solution we develop for you will include:
- Business Assets & Property Cover
- Business Interruption/Loss of Profits
- Liability Cover
- Key Person
- Commercial Motor
- Corporate Travel
- Marine Cargo
- Employee Benefits
If your business has its premises, equipment or stock damaged, is hit by a cyber-attack, is required to go to court, or simply wants to provide health cover to employees, we can ensure that you’re insured with the best policy for your situation.
Connect with an Insurance Broker
For more information, explore our business insurance page or call 0508 742 742 to speak to one of our specialist Insurance brokers.