Financial protection for business owners
Looking for the RIGHT business insurance to protect you, your partners and your business? You’ve come to the right place. Here’s why…
An easily-mitigated risk
The untimely death or disability of one of the partners or key people in the business is not an easy thing to contemplate. It’s a very real risk that should be mitigated, but unfortunately most don’t.
In the case of a partner…
Such an event leaves the business with a non-productive shareholder (often the key person’s remaining spouse or trustees) who is still due a share of ongoing profits. Eventually the affected persons want to sell the shareholding back, for which you or the business must find funds. And there is invariably a dispute about the value of the shareholding.
In the case of a key person…
Such an event leaves the business with significant loss of income, especially if the affected role is an important sales or income-producing one, and/or significant additional costs to fill the gaps and bring people up to speed or meet contract obligations.
And if you’re the one affected…
You want to know your family will be provided for and the business won’t fail, taking everyone’s jobs with it.
Predictable outcomes
What you need is a predictable outcome that clearly treats all parties fairly should any of these events occur. Our clients always prefer to invest a little in business insurance now rather than pay the much greater price of comfortably ignoring the risks.
A trusted advocate
It’s important to know you’ll be looked after throughout your relationship with your insurance broker, long after the sale is made. This is especially important in times of crisis, when you need it most.
Even early on when you’re organising your business insurance, it’s nice to have an advocate who understands business and communicates simply, in plain English. Someone who’ll explain the reality of your situation and the solutions in a way that is meaningful to you.
Maximum benefit from your business insurance
Our number one focus is our clients, and ensuring all their needs are met. We’ll help you avoid typical business insurance mistakes and see that you get maximum benefit from your business insurance with…
- Our very personal service.
- Taking the time to create the right business insurance solution for you.
- Ian Wallace’s encyclopaedic knowledge of insurance policy wordings.
- Our high levels of expertise and vast experience working with business owners.
PHONE US NOW…
To discuss your business insurance needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.
How we make sure your business insurance works properly for YOU…
Personal service
We’re interested in you and we get involved. You have one point of contact. You’re not just a number to us. We get to know you and your partner. And you’ll find us very accommodating if you have difficulty finding the time to see us.
The RIGHT business insurance solution
We’re focused on the right business insurance solution for you, not the commission. We always recommend the business insurance that will give you the best possible outcome. Ian Wallace’s knowledge of policy wordings means we can cover you for actual circumstances, often at no extra cost. Our aim is to get you the best possible settlement by recommending the product with the best coverage. Example: One independently-ranked product with the best policy wordings is also one of the least expensive. You’ll pay up to 50% less than another leading company’s policy we could (but don’t) recommend, even though it would earn us more commission.
A walking encyclopaedia
Ian Wallace has both an encyclopaedic knowledge of all insurance companies’ policy wordings, and the rare ability to leave out the mind-numbing insurance gobbledygook and explain things in layman’s terms. So whatever you want to know, ask away. You’ll get straight, plain-English answers.
Huge expertise
Ian has even been used as an expert witness, which is confirmation of his high levels of expertise. It’s reassuring to know you have someone of his standing on your side when you need it.
FAQs
Do I really need to protect the intangible assets in my business?
The most valuable asset in your business is you, your staff, and your potential. Physical asset values can easily be ascertained and replaced in a very short period of time. Intellectual intangible assets have much greater value, with much longer-lasting losses, if overlooked. A business is more likely to fail because of inadequate financial protection on its owner or key staff.
How often do insurance companies actually pay out on claims?
If you are honest and declare everything when applying for the insurance, you can feel safe. Insurance companies do not look for ways out of a claim, but rather have evolved an attitude of, ‘how can we pay this claim most efficiently for the affected people?’
How much does business insurance cost?
There will naturally be an ongoing investment towards whichever business insurance products are required to ensure your financial needs are always protected, which you pay direct to the insurance company. But our services – initial consultations to analyse your needs and recommend the most appropriate policy and cover, ongoing monitoring of your situation, and being an advocate if needed at the time of claim – are entirely free.
Do you charge a fee for consultations?
Our consultation time is completely obligation-free. We only receive payment direct from an insurance company.
Will I need to have medicals and see doctors?
This will depend on the nature of the protection we arrange for you. If a blood test is required, we can arrange for a lab technician to visit you at your convenience.
TAKE ACTION NOW…
To discuss your business insurance needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.
Check out these client stories…
“I BELIEVE HE’S ALWAYS |
“HE’S QUITE TENACIOUS – |
“I’VE ACTUALLY FOUND HIM QUITE |
HOW LIFE CAN CHANGE |
PHONE US NOW…
To discuss your business insurance needs, without obligation…
Phone 09 414-4215 (click to call) or email us now.