Your biggest business asset doesn't appear on the balance sheet
The equipment isn't your biggest asset.
The building isn't your biggest asset.
The stock isn't your biggest asset.
YOU are.
Most business owners know...
The value of their equipment
Most business owners know exactly what their equipment is worth and make sure it's insured. If the ute gets written off or the machinery breaks down, there's a plan.
Exactly what their vehicles are worth.
The vehicles are registered, warranted, and insured. If something happens on the road, it's sorted.
The value of their stock
Stock is counted, valued, and covered. Business owners know what it costs to replace it and they've made sure it's protected.
But very few know the financial impact if the person generating the income can no longer work
If something happened tomorrow:
Would your family inherit a business...
Or a financial problem?
The asset most businesses depend on
The equipment can be replaced
New equipment can be purchased, leased, or financed. Operations can continue while you sort it out. The business keeps moving.
The building can be rebuilt
Property insurance covers the structure. Temporary premises can be arranged. The business finds a way.
The vehicle can be repaired
Insurance covers the vehicle. A replacement can be organised. The work continues.
But what happens if the owner, director, or key person is unable to work?
For many New Zealand businesses, that's the single biggest risk they face, and the one that's least planned for. The revenue stops. The clients go elsewhere. The debt stays.
For many businesses, losing the key person even for six months is existential.
Ask Yourself
If you couldn't work for six months:
How long would income continue?
Who would replace you?
How would debt repayments be made?
Would the business continue operating normally?
Would your family's lifestyle be affected?
If you are not sure, you're not alone.
What We Review
Business Continuity Risks
We look at what actually happens to your business if you can't work; for a week, a month, six months. Most business owners haven't mapped this out in dollar terms. We do it with you.
ACC Coverage and Potential Gaps
For self-employed business owners and shareholder-employees, standard ACC may not pay what you expect. We check your ACC structure and identify whether CoverPlus Extra would give you better protection or lower levies.
Debt Protection Strategies
Business debt doesn't stop when you do. We look at your loan and lease obligations and make sure there's a plan for how they'd be serviced if you were unable to generate income.
Personal Income Protection Options
ACC covers accidents, not illness. Income protection fills the gap; replacing a portion of your income if you're unable to work due to sickness or injury. We review what you currently have and what you'd actually need.
Key Person Considerations
If the business depends on you, or on a specific employee, key person insurance protects the business against the financial impact of losing that person unexpectedly. We assess whether this is relevant for your situation.
Family Financial Resilience
For most business owners, the business and the family's finances are deeply connected. We make sure the personal and business picture both make sense, not just one in isolation.
This is not a sales meeting.
It's a practical review designed to help you understand where your biggest risks may be.
WHO IS THIS FOR?
Business Owners
If your income depends on your ability to show up and run the business, you need a plan for what happens when you can't.
Self-employed Professionals
Whether you're a consultant, adviser, tradesperson, or creative, if your income stops when you stop working, this review is for you.
Tradies
Physical work means physical risk. If you're a builder, electrician, plumber, or other tradie, income protection and ACC CoverPlus Extra are two of the most important covers you can have.
Contractors
No employer. No sick leave. No safety net unless you've built one. Contractors are among the most exposed and least protected workers in New Zealand.
Farm Owners
The farm keeps producing while you recover, but the bills don't care. Farm owners face unique ACC and income protection gaps that a standard review rarely catches.
Company Directors
Shareholder-employees often have the most complex ACC and income protection situations. We untangle what you're actually entitled to and make sure the structure makes sense.
Book your free 30 minute business continuity review
No obligation. No pressure.
Just practical advice from people who understand business risk.
