Imagine you run a small business here in New Zealand — perhaps you’re a sole trader, or you have a handful of employees. Your business success depends heavily on you and maybe a few key people who bring skills, clients, or leadership to the table….

Running a business can have many challenges, especially in the start-up phase. So once you get yourself going, how can you protect not only your livelihood but the livelihood of those that depend on you? When you think of business insurance your first thoughts may…

If you run your business in a partnership, have you thought about what might happen if a key shareholder passed away or became too disabled to continue working in the business? It is important to ask yourself how your family, or theirs, would be paid…

Have you thought about what would happen to your business if a key shareholder or employee were unable to work due to death, a serious illness or accident? If your business relies on a small number of key people for a majority of business revenue,…

Many businesses use debt as a form of finance. Usually, in securing this debt the bank or lender would require a personal guarantee from one or all of the business owners. If one of your business partner’s suffered a serious illness and couldn’t keep working…