Business Insurance

AI Financial Services

Being the boss can be both exciting and rewarding, but with it come responsibilities and risks. That’s why it’s important to have Business Insurance.

Protect Your Most Valuable Assets With A Business Insurance

Chances are you’ve protected your business against property loss or damage, but what about the threat to your most valuable asset – yourself and the people you rely on?

The loss, or temporary loss, of key people can have a dramatic impact on any business, and can even cause it to fail. Succeeding in business is challenging enough, without having to worry about the unexpected consequences of illness, injury or death.

So, whatever the size and nature of your business, you need to think carefully about your insurance for business needs.

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What Types Of Insurance For Business Exist?

Life Cover provides a lump sum if you or an insured key person dies. The money can be used to reduce business debt or replace income that would have been generated by the key person.

Start-Up Income Protection can provide a monthly benefit payment to help you get back to your business, should you become disabled as a result of an accident or ill health, and be unable to work more than 10 hours a week. This type of insurance for business is designed to meet the needs of business owners who have been trading for less than three years and who may find it difficult to prove the profitability of their business.

Business Continuity can provide a monthly benefit payment to help keep your business running should you or any key employees become disabled as a result of an accident or ill health, and be unable to work more than 10 hours a week. It’s designed to meet the needs of business owners who have been trading for more than three years, as well as key employees. Business Insurance of Continuity Cover can help keep your business running.

Trauma Cover provides a lump-sum payment or a partial benefit payment if the insured person experiences a critical illness, such as heart attack, cancer or stroke.

Total Permanent Disablement Cover provides a Lump-sum payment if the insured person is totally permanently disabled and unable to work again due to accident or sickness.

With a good insurance for business you can choose between Essential and Comprehensive cover plans:

Essential plan: covers nine serious health events.

Comprehensive plan: covers 38 serious health events.

And with a continuation option, your employee may be able to continue cover if they leave your company. Feel free to approach any of our advisors to discover the business insurance that best suits your business needs.

For insurance and mortgage advice choose AI Financial Services. Our mortgage and insurance brokers take the personal approach and our financial services include: