Without a regular income, it can be a challenge just paying for everyday household expenses, while ongoing mortgage repayments or school fees can quickly eat away any savings. Worse still, if you’re self-employed and can’t work because you’re ill or disabled, you could be faced with the added pressure of the business bills rolling in.

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While car and home insurance are relatively straightforward, personal risk cover can be complex, with many different options and levels of cover to choose from. We can help you decide which cover is right for you and what issues you need to consider. For example, which family members would you insure? When does it make sense to insure a non-working spouse? How should the benefits of any payment be distributed? What benefits are available within your superannuation scheme? What are the tax implications of taking out insurance? 

 

If you own a business we can also review your business insurance needs. For example, is there ‘key person’ protection in place for the business owners and managers? Are the business assets and stock adequately insured against theft and damage? We'll help you with it all.