Life has its rewards and its risks. How you protect yourself from these risks is the key to surviving and thriving.
You can’t predict accidents, loss of income or a law suit, but you can certainly protect yourself, your business and your assets from these events.
Personal risk
What happens to you and your family if you fall ill, are injured or worse? Annual leave and sick pay only lasts so long and whilst most superannuation funds have default cover, this can be limited.
For total peace of mind, a simple safety net in the form of personal insurance can make all the difference. Income protection insurance, Life insurance, Total and Permanent Disability insurance (TPD) and Trauma (or recovery) insurance are but a few of the safety nets available.
Business Insurance
A major supplier goes bankrupt, a business partner dies, or a customer decides to take legal action against your business: these are very real events that come with the territory of running a small or large business.
Our specialist can find suitable and flexible cover that protects your business and your livelihood.
Trusts and other structures
A trust structure provides flexibility. Assets can be protected, an inheritance can be passed down to minors without complication or tax, and it can be the vehicle for a succession plan in a business partnership. There are many forms of trusts. Finding one that suits you or your business can depend on many factors. For example: the type of business you run, income type and your vulnerability to being sued.
Our team looks at the bigger picture and can help you determine the best structure for you and your business.