As a business owner there are a myriad of issues you need to consider to ensure your business succeeds. Everything from branding to pricing, websites to social media and funding. However, one aspect that is often overlooked is insurances.

There are so many types yet a single catastrophic event like a fire or flood could wipe out an entire business. The Brisbane Floods are a classic example and they also serve as a warning for business owners. As the business grows they fail to recognise the need for increased coverage or additional forms of insurance. For example, stock levels rise or they re-located from a home based operation into a shop, factory or warehouse. A rise in debt levels can also trigger a review of insurances.

Our strategic alliance with a leading group of insurance brokers means we can provide you with quotes on a full range of insurances including:

• Income Protection
• Commercial - Professional Indemnity
• Office Contents
• Retail - Public Liability, Shop, Stock & Glass
• Industrial
• Trauma Cover

Domestic

• House & Contents
• Motor Vehicle
• Term Life

To simplify the process of securing the most suitable insurance coverage for you, your business and your family, we can provide a full suite of insurance products at competitive prices.

Income Protection

Statistics suggest the average Australian worker will earn more than $2 million in their 40-year working life. With these facts in mind have you ever considered what would happen to you and your family if you were sick or injured and unable to earn that money?

Insurance industry statistics tell us that every working Australian has a one in three chance of becoming disabled for more than three months before turning 65. While employees may be entitled to a limited amount of sick pay from their employer, workers' compensation only covers you for work related injuries, a small percentage of the causes of disability. An income protection policy on the other hand, will pay you up to 75% of your income (Salary plus super and any other benefits) allowing you to maintain your lifestyle and keep paying your mortgage and other debts.

Income Protection insurance is a vital link in providing you and your family with a regular income stream during times of illness or injury. Contact Us today so we can assist you assess and obtain Income Protection insurance.

Life Insurance

No one likes to think about the worst case scenario but every day in Australia 220 people are diagnosed with some form of cancer and over 36,000 Australians die from cancer each year.

Statistics tell us that serious illness does not discriminate based on age or gender and the reality is that most Australians are under insured or not insured at all. When considering Life Insurance, the most important question is, can you afford to live without it? No matter what stage of life you are at, most people have financial commitments and you can be insured against death, injury or illness with policies including:

• Death cover (term life) pays a lump sum to your dependants if you die unexpectedly (Cover often ceases once you turn 65)
  Total & Permanent Disablement (TPD) pays a lump sum if you suffer an illness or injury that permanently prevents you from working (e.g. Losing both hands)
• Trauma cover pays a lump sum if you suffer any range of specified illnesses such as heart attack, stroke or cancer

To help you develop a clear understanding of where your wealth and assets may be at risk in order to guide your decisions into the future, we can provide a thorough insurance statement of advice.

We invite you to book a FREE, one-hour introductory consultation to discuss your needs. To book a time, contact us today on (03) 5441 8700 or complete your details in the space provided on our contact us page.