The Business End Of It All

In the last 12 months, have you changed anything in your business? Have you grown? Have you shrunk? Have you taken on more staff or more liabilities? Are you worried about the tough new guidelines around health and safety – and more importantly, what it can mean for your business.

When was the last time you looked at your business insurance and wondered whether you are actually fully covered?

Does the idea of probing the fine print on your policy scare you? You know you need to do it, but you’re worried about opening a can of worms. Trust me – business insurance isn’t scary, it’s the unknown that is.

A visit to a qualified and experienced insurance adviser can take away all the grey areas around your business insurance, and insure that you are fully covered for any event that may arise.

The new health and safety regulations have definitely added a new level of fear for businesses. It now imposes a new due diligence obligation on Directors and Officers.

While an insurance policy will cover your legal expenses should something go terribly wrong, it doesn’t cover any fines you could receive. It’s essential to make sure you are covered properly in the first place. Let me read your fine print for you.

Give me an hour of your time and I can read through your documents, have a chat to you about your business and what kind of cover you should have – if you have all your ducks in a row, I will tell you so. If you don’t, I can tell you how I can help. It’s as easy as that – don’t make it more complicated than it needs to be.

Within business, there is enough to dedicate your time to on a daily basis without the added stress of whether your business, and therefore your income and your lifestyle, is properly insured. Let’s talk soon!

Gareth Wallace is the director and insurance adviser for Balance Insurance, offering insurance brokering services in Northland and Auckland.