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Key Person Protection
Help protect your business if a key employee or owner can no longer work.
Business Insurance NZ
Business Protection & Continuity Cover
Looking for business insurance in NZ to protect the people your business depends on? IFO Peace of Mind Advice helps you explore key person cover, shareholder protection and business debt protection. First, we understand your business. Then, we explain options suited to your risks and priorities.
Personalised business risk advice with no obligation to proceed.
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Personalised advice Structured around your business
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Multiple insurer options Compare suitable solutions
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Ongoing support Reviews and claims assistance
Understanding Business Cover
How Can Business Insurance Support Your NZ Business?
Business Protection Cover helps businesses manage financial risks when key people are unable to contribute to the business due to serious illness, disability or death.
The right structure can help protect cashflow, maintain operations, support succession planning and provide financial stability during uncertain times.
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Protect cashflow
Help manage the financial impact of losing an owner or important team member.
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Maintain operations
Provide financial support while the business responds, recruits or restructures.
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Support succession planning
Help business owners prepare for unexpected changes in ownership or leadership.
In simple terms:
Business Protection Cover helps your business continue operating when the unexpected happens.
Protection built around your business
Consider your people, revenue, debt, ownership and succession arrangements.
Protecting Business Stability
Why Business Insurance Matters for NZ Business Owners
Your business often depends on a small number of key people. If one of them can no longer work, the financial impact can be significant.
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Shareholder Protection
Help facilitate ownership transitions if a business owner passes away or becomes permanently disabled.
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Debt Protection
Help manage business debts, loans and financial obligations during a difficult period.
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Business Continuity
Help maintain operations and financial stability during challenging periods.
Swipe to explore each protection area →
The appropriate combination of cover will depend on your business structure, key people, financial commitments and continuity plans.
Cover Structures
Business Insurance Options in NZ
Business Protection can be structured in different ways depending on your business size, ownership structure, key people and financial obligations.
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People and Revenue
Key Person Cover
Provides financial support if a key employee, owner or revenue-generating person becomes seriously ill, disabled or dies.
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Ownership and Succession
Shareholder Protection
Designed to help remaining owners manage ownership succession if a shareholder passes away or becomes permanently disabled.
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Loans and Liabilities
Business Debt Protection
Helps protect against business liabilities such as loans, lending facilities or other financial commitments.
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Business Resilience
Business Continuity Planning
Helps businesses prepare for unexpected events that could affect ownership, operations or financial stability.
No single structure suits every business.
Your adviser can help identify the risks that may have the greatest financial impact on your business and explain the protection options available.
Is This Relevant to You?
Who Should Consider Business Insurance in NZ?
Business Protection may be valuable for businesses where owners, shareholders, directors or key team members are essential to daily operations or revenue.
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Ownership
Business Insurance for NZ Business Owners
Protect the financial stability of your business if you or another owner can no longer contribute.
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Leadership
Company Directors
Support continuity planning and protect key responsibilities within the business.
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Succession
Partnerships & Shareholders
Help manage ownership changes and protect the interests of remaining owners.
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Income
Business Insurance for Self-Employed Professionals in NZ
Protect the business income and obligations that rely heavily on your ability to work.
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Family
Business Insurance for NZ Family Businesses
Support succession planning and protect both business and family financial interests.
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Revenue
Revenue-Generating Staff
Protect against financial disruption if a key team member is no longer able to work.
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A useful question to consider
What would happen to your revenue, clients, debts, staff or ownership arrangements if an important person could not return to work?
Business owners may also want to review their personal insurance options alongside their business protection.
Structuring Your Protection
Structuring Business Insurance in NZ
Business Protection is not just about choosing an insurance product. Your adviser can help structure cover around the actual risks, ownership arrangements and financial commitments of your business.
Area
What your adviser can help with
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Area
Key people
What your adviser can help with
Identify who the business depends on for revenue, operations, client relationships or specialist knowledge.
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Area
Business debt
What your adviser can help with
Review loans, guarantees, overdrafts and other financial obligations that may need protection.
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Area
Ownership structure
What your adviser can help with
Consider how cover may support shareholder agreements, succession planning or business continuity.
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Area
Cover ownership
What your adviser can help with
Help explain how the cover may be owned, paid for and structured based on the purpose of the insurance.
Coordinated professional guidance
Business protection decisions may also involve legal, accounting and tax considerations. Your insurance adviser can work alongside your other professional advisers where needed.
Common Questions About Business Insurance in NZ
Clear answers to some common questions about protecting your business, its people and its ownership.
What is Key Person Insurance?
Key Person Insurance helps protect a business from the financial impact of losing a key employee, owner or revenue-generating person due to illness, disability or death.
What is Shareholder Protection?
Shareholder Protection is a business protection strategy that can help remaining owners manage ownership succession if a shareholder passes away or becomes permanently disabled.
Can business insurance help with loans?
Certain business protection structures may be designed to help protect business debt obligations such as loans, lending facilities or guarantees.
Is Business Protection tax deductible?
Tax treatment depends on the structure, purpose and ownership of the cover. It is important to seek professional tax advice for your business circumstances.
Meet Our Business Insurance Advisers in NZ
Business protection strategies often involve business owners, shareholders, key employees, lending arrangements and succession planning. Our experienced advisers can help identify potential risks and structure protection solutions tailored to your business needs.
Imran Mohammed
Managing Director & Senior Financial Adviser
Imran specialises in Personal Risk, Business Risk, KiwiSaver and Investments. He works closely with business owners to identify key risks, protect business continuity and support long-term financial security.
Joyce Huang
Senior Financial Adviser
Joyce provides business risk advice and helps clients understand the potential financial impact of illness, disability or death on their business. She works with business owners to develop practical protection strategies aligned with their goals.
Why Choose IFO for Business Insurance in NZ?
We provide warm, clear and personalised insurance advice to help you protect what matters most.
Independent Advice
We compare options from different insurers and recommend cover based on your business needs.
Business-Focused
We help identify key risks across people, ownership, debt and continuity planning.
Clear Guidance
We explain business insurance in practical language so you can make confident decisions.
Ongoing Support
We are here before, during and after your business protection plan is in place.
Business Protection Enquiry
Discuss Your Business Insurance Needs in NZ
Tell us about your business, the people it relies on and the risks you would like help understanding. We’ll connect you with an adviser suited to your needs.
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Share your business needs
Tell us about your business, key people, ownership arrangements and financial commitments.
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We’ll connect you
Your enquiry will be directed to an adviser experienced in business risk protection.
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Explore suitable protection
Your adviser will discuss your risks, priorities and available protection options with you.
Existing client or making a claim?
You can still use the enquiry form or call our team directly for assistance.
Call 021 079 8864 →
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No-obligation conversation Talk through your business needs without pressure.
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Personalised business guidance Advice shaped around your business circumstances.
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Ongoing adviser support Help reviewing your protection as your business changes.