These business cover options work in Conjunction with your ACC Cover
Key Person Start Up Cover
Designed if you have been self-employed for less than 3 years, provides a monthly injection of revenue whilst the key person is unable to work.
Business Continuation Cover
A monthly injection of revenue whilst a key person is unable to work.
Business Overheads Cover
This covers most of the business’s outgoings, eg rent, power, paye employees, etc
Other Business Options
Ownership Buyout Cover
This benefit is designed to fund a buy-sell agreement
Debt Protection Cover
This benefit is designed to fund business debt re-payment
Permanent Loss of Key Person Cover
A lump sum payment to provide the capital to replace a key person
The purpose of these three covers described above is to protect your business against the financial impact of the death or long term disability of key employees or sole-traders.
Proven successful track record
If you are a business owner or self employed we recommend that you talk to us today, as we have saved thousands of dollars for our clients over the years.

Business Life Cover
Lump sum payment in the event of the insured persons premature death or if they were diagnosed with a terminal illness. Can be used to fund buy-sell agreement commitments, debt repayment commitments or key persona replacement costs.


Business Trauma Cover
Lump sum payment in the event of the insured person being diagnosed with a covered critical condition. Can be used to fund buy-sell agreement commitments, debt repayment commitments or key person replacement costs.
Business Total and Permanent Disability Cover
Lump sum payment in the event of the insured person suffering a disability which meant they can no longer work again. Can be used to fund buy-sell agreement commitments, debt repayment commitments or key person replacement costs.


Business Premium Cover
Waives your policy premium whilst a key person is unable to work.
Essential Insurances Ltd (FSP635869) is the Financial Advice Provider. We were established to take the mystery, and the misery, out of the insurance equation. We are here to make it easier for you to sleep at night knowing that if it all turns to custard, you have the knowledge and comfort knowing your income and family home is protected.