Who We Help
Protecting your business is not just policies. It is structural.
Make sure ownership, people, and cashflow protection all hold together.
Why tailored advice matters
The real risk window
Business owners face intertwined personal and commercial risk. Without coordinated protection, one serious event can damage both family finances and business value.
Most owners have fragmented cover. A proper plan aligns key person cover, shareholder agreements, overhead protection, and personal insurance into one operating framework.
Key risks and gaps
- !Key person dependency creating revenue and continuity shocks.
- !No funded buy/sell pathway for shareholder or partner exits after death/disability.
- !Business interruption and fixed overhead costs during incapacity.
- !Employee benefit opportunities missed for retention and recruitment.
- !Personal and business cover structured in ways that conflict or duplicate.
What Smiths covers
- Key person and continuity protection planning.
- Shareholder and partnership protection with funding pathways.
- Business interruption and overhead insurance settings.
- Group employee benefits where scale supports value.
- Personal insurance and KiwiSaver planning for owners alongside business risk.
- Annual risk reviews tied to growth, staffing, and succession timelines.
Your financial checklist
- 01Do you have key person insurance for core revenue roles?
- 02Is there a buy/sell agreement and is it funded?
- 03Are business interruption and overheads insured adequately?
- 04Have you separated personal vs business protection correctly?
- 05Could group employee cover improve retention economics?
- 06Is your succession plan documented and actionable?
Ready to talk it through?
Book a free review with Craig, Guy or Henry. No fees, and we're there if you ever need to claim.