What is Business Insurance

Business Insurance

Take care of your business costs if you’re unable to work due to illness or injury.

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Financial protection

Protect the financial future of your business and those who depend on you.

Peace of mind

Know that your business is taken care of in the event of something unexpected.

Why Business Insurance

Why get Business Insurance?

Business Insurance offers small business owners or sole traders a monthly benefit to assist with covering costs in the case of injury or a serious illness. Key person cover contributes towards replacing a key member of your business for one or two years, if that person is unable to work due to illness or injury. With Key Person cover, while you recover, you can have peace of mind that it’s business as usual.

Monthly benefit to assist with covering costs

Paid out in the event of injury or serious illness

For small business owners or sole traders

Rest assured knowing it's business as usual

How it works

We know you're busy, so we keep it simple

Book a free consultation

Tell us a bit about yourself in our quick 10-min form. This gives us everything we need to tailor a recommendation that fits you, not the other way around.

Review your insurance solutions

We’ll send through your personalised quote. You can either book a time to review it together or go ahead with the solution that feels right. We’ll walk you through each part so you can make an informed decision.

Submit your application

When you're happy with your plan, it's time to apply with the insurer and get covered! The insurer might need extra info or medical checks – but don’t worry, we’ll guide you through it all, step by step.

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Business Insurance FAQs

Ask us directly

What is business insurance?

With Business Insurance, you can keep your business running if you suffer illness or injury. As a sole trader, small business owner or if you’re in a partnership, you can claim approved expenses of running your business if you are unable to work due to illness or injury over a two-year period.

What are approved expenses?

Approved expenses are expenses that an insurer will pay for in the event of a claim such as accounting costs, utilities, employment of a locum, motor vehicle costs etc. They are costs that incurred as a result of running a business.

How much will this cost me?

Generally speaking, your age, health, occupation and monthly benefit allowance you need are major factors in the cost of your Business Insurance policy. Generally, the healthier and younger you are the cheaper your policy will be. If you work in a more risky industry or occupation you can expect to pay a little more.

Why Buffer

Why use an insurance advisor?

Unlike working with one single insurance provider, as licensed Financial Advisors, we're able to advise you on which policy is right for you across multiple insurance companies while ensuring you get the most favourable terms on your policy. We also advocate for you and your family in the event of a claim to ensure the whole process goes smoothly.

Access to exclusive insurance solutions

Available 7 days a week

We work with NZ's Top insurance providers

We advocate for you throughout the entire process, from application to claim

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