Business cover
Cover for NZ business owners — key person, shareholder protection, business continuity and group employee benefits, structured as one programme rather than separate policies.
27 Nov 2025 · 12 min read
Business Loan Protection in NZ: Insuring the Debt if an Owner Dies
If an owner dies, the bank loan and the personal guarantee don't disappear. How business loan protection works in NZ, how much cover you need, who should own the policy, and the tax rules.
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Business Succession Planning NZ (2025): Planning Beyond the Buy-Sell Agreement
A buy-sell agreement is one page of a much bigger plan. How NZ owners line up valuation, funding, continuity cover and their own retirement, for both a planned and a forced exit.
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Buying a Business in NZ: The Financial Checks and Protection You Need (2026)
A 2026 guide to buying a business in New Zealand: the financial due diligence to do before you sign, how to sanity-check the numbers, and the key-person, ACC and income protection cover you should have in place from day one.
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Contractor or Employee in NZ? What It Means for KiwiSaver and ACC
Worker status decides who pays your KiwiSaver, ESCT and ACC. Here is what changes between contractor and employee in NZ, for both workers and employers, with the 2026 numbers and a status-and-cover checklist.
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Group Health and Life Insurance for Small NZ Businesses: Is It Worth It? (2026)
Group cover is not just for big firms. Here is how group health and life insurance works for small NZ businesses in 2026 — the underwriting and cost advantages, the FBT tax treatment, and where the gaps are.
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How Much Key-Person Insurance Does a Business Need in NZ?
Sizing key-person cover is a method, not a guess. Here are the three ways to work out a sum insured — lost gross profit, replacement cost, and debt exposure — with an NZ worked example and the IRD tax rules that affect the number.
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How to Insure a Sole Trader in NZ: The Whole Cover Picture
A sole trader has unlimited personal liability, no employer cover and no sick leave. Here is the full NZ cover map, in priority order: personal risk first, then ACC, then business cover and KiwiSaver.
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Key Person Insurance for NZ Small Businesses (2026): Sizing Cover When One Person Holds It Together
Most NZ firms hinge on one or two people. Here is how key person insurance works — who counts as a key person, how to size the cover, who should own the policy, and how it differs from buy-sell — from a NZ adviser's perspective.
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Key-Person Insurance Tax in NZ: Deductible Premiums, Taxable Payouts
Are key-person premiums deductible and is the payout taxed in NZ? It all turns on one thing — IRD's revenue-versus-capital test. Here is how the test works, with a decision flowchart and the records your accountant needs.
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Salary or Dividends? How NZ Owners' Pay Choices Hit KiwiSaver and ACC
Paying yourself in dividends can be tax-smart, but it skips KiwiSaver contributions and shrinks your ACC cover. How NZ company owners' salary-vs-dividend choices quietly affect their protection.
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Buy-Sell Agreement Funding NZ (2026): What Happens to the Business if a Co-Owner Dies?
If a co-owner dies, their shares usually pass to their estate, not to you. Here is how a funded buy-sell agreement lets surviving owners buy the shares cleanly, plus the annual revaluation step most owners skip.
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Small Business Health Insurance Schemes in NZ: A Guide for Employers (2026)
How a small NZ business sets up a staff health insurance scheme in 2026 — what it costs per head, the FBT rules, group underwriting, the retention case, and what happens to cover when staff leave.
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Safeguard Your Business From Every Angle
If you are running your own business, you are not just trying to make sales and keep customers happy. You are also carrying legal, financial, and practical risks every day.
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