With insurance and ACC, the needs and challenges of business owners are different compared to people on payroll. When looking at insurance for business owners, Planning Pros can set up and manage the insurance policies and make sure they are exactly right for your business and your situation.
We love working with business owners across the sectors, from tradespeople to retailers, farmers, professional services providers and more, finding personal risk insurance options that are matched with their unique needs.
From protecting your income to working with shareholder agreement conditions, we’re passionate about finding insurance solutions that empower you as a business owner to focus on growth with confidence.
Regardless of life’s curve balls, continuity for your business and protecting your personal life and loved ones is what our insurance for business owners service is all about.
Having insurance is crucial for unforeseen circumstances, to make sure your business can continue to run smoothly in the event of any unexpected challenges affecting you or your key employees.
With coverage options tailored to your specific needs, you’ll have peace of mind knowing that reliable protection is in place.
01.
If a key person in your business who is critical to your operations gets sick or injured, this insurance will minimise the financial impact.
02.
If you as the business owner can’t work for some time, this insurance will replace the income that you would otherwise have earned.
03.
If you have a business loan which you can’t pay temporarily, this can protect your assets if you have used them as security.
04.
If your Sale and Purchase Agreement requires insurance as part of the agreement, this is often the type of insurance you need.
We can help you ensure that your cover is fit for purpose and that you’re getting it all at the best possible price.
As you can imagine, we get a lot of questions from business owners just like you about insurance. Here, we’ve compiled the most common ones to provide you with some quick and easy answers.
Generally speaking, we can find a solution for most budgets. Working with Planning Pros as your insurance adviser costs you nothing at all. You don’t pay us, as we get paid by the insurers you buy a policy from.
We get to know your situation, take the hard work out of it for you by doing background research, come back with a recommendation and take you through it, making sure that you fully understand everything and can make a great, well-informed decision.
If it’s a yes from you, we help you through the application process and underwriting (which also involves pushing back on any terms we think can be improved on before you even see them) and sticking with you for as long as you have the insurance, helping with any claims or policy changes.
We know the policy wordings and understand what they mean in real world situations. That knowledge means we can compare how the details and fine print will apply in each client’s situation.
What is a concern to one person won’t necessarily be something another person worries about, so they often don’t need the same cover. It’s about individual advice.
We’ll do the legwork of comparing and getting quotes, explain things in easy-to-understand ways and help get the best outcome at application and claim time. We fight for our clients when we see things can be done better!
They can only select from the products offered by the bank/organisation they work for, so you won’t necessarily get the best cover that’s available to you, you’ll just get the stuff they’re allowed to tell you about. (Which can lead to a reduced chance of a successful claim when you don’t have the best quality cover available.)
Planning Pros can sort everything in person, by phone, or with a video call.
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