Business Insurance

Key Person Capital Protection

Key person capital protection helps a business maintain the capital value and stability of the business in the event of death, disability or critical illness of a Business Owner. It provides the business with sufficient cash to preserve its asset base by repaying or reducing debts owed by the business.

Key person capital protection helps a business maintain the value and stability of a business in the event of the death, disability or critical illness of a Business Owner. It provides the business with sufficient cash to preserve its asset base by repaying or reducing debts owed by the business.

Key Person Revenue Cover

Key Person Revenue Protection helps a business avoid disruption to Cash Flow in the event of death, disability or critical illness of a Key Person.

Buy/Sell Agreement Insurance

Buy/sell insurance should always be purchased in conjunction with a Buy/sell agreement. It is the funding mechanism that facilitates the transfer of equity from the former business owner to the new business owner.

It pre-determines funding for the purchase, as well as the price of the business in the case of:

  • Death
  • Total and Permanent Disability
  • Trauma

This ensures the exiting owner receives true business value after tax

Business Overhead Expenses

Business Overheads Insurance provides an income stream to cover the fixed costs of running the business, in the event a business owner or partner is unable to work due to accident or illness.

Examples of fixed business costs include:

  • Rent, property rates, taxes
  • Business loan repayments (P&I)
  • Gas, electricity, phone, water
  • Remuneration of employees (salaries, FBT, super)
General Insurance

At BHA, we are passionate about helping our clients protect themselves, their business and their possessions against unexpected misfortune.

BHA has partnered with Tresidder Insurance Group to provide our clients access to a wide range of General Insurance services inlcuding:

  • Business Insurance Broking
  • Insurance Program Audits
  • Business Risk Assessments
  • Claims Management & Advice