BUSINESS INSURANCE
Protect Your Business with the Right Insurance
Your business is more than just a source of income. It’s something you’ve worked hard to build. Which is why a financial risk plan for your business is important.
Have you considered what happens to your business in the event you are unable to work? How does your business continue trading? How does it cover its fixed costs?
No matter the size of your business, having the right insurance cover in place helps you protect everything you’ve built, keeping your business secure, no matter what comes your way.
We make business insurance simple. We help business owners, like you, navigate the complexity with clear, practical advice. We’ll tailor a plan to protect your people, your assets and your financial stability. As independent advisors, we work for you and your business, to make sure you won’t be paying for things you don’t need.
-
Some team members are essential to your business’s success. If a key person becomes ill, injured, or passes away, a lump sum payment provides financial protection, assists in settling debts, ensures business continuity and aids in finding a replacement for the key person.
-
What happens if one of the shareholders in your business can no longer continue in the business? Shareholder Protection insurance ensures business continuity and financial stability by providing funds to buy out shares if a shareholder is unable to continue in the business. Without Shareholder Protection Insurance, the remaining shareholder may have to work with the family or spouse, carrying the burden of the work as they might not know anything about the business.
-
Being unable to work due to a life-changing event could leave you with debts to pay. Debt protection insurance will give you peace of mind that these debts will be cleared. If you are unable to work, this insurance provides you a lump sum payment upon the diagnosis of specified medical conditions or injury.
This insurance is particularly invaluable if you’ve given personal guarantees or put up personal assets as collateral. You don’t want to be losing the roof over your head at times like this.
FINANCIAL WELLBEING
WORKSHOPS
Equip your team with essential money management skills to reduce financial stress. Whether it’s budgeting and every-day money management, debt or mortgage reduction, goal-based planning, retirement or KiwiSaver planning, or Insurance advice, Roma & Co have a workshop format that will help your team improve their financial literacy and help provide financial stability in their everyday lives.
GROUP INSURANCE
A group Insurance policy could cover your employees for loss of life, trauma, permanent disability or income protection. It is a cost-effective solution that provides financial security for your employees' and their families.
Under a group insurance policy, pre-existing conditions are covered that wouldn’t otherwise be covered under an individual policy.
This is a great way to reduce absenteeism, increase productivity and staff retention, and generally show your employees that you care.
TAILORED STAFF BENEFIT PROGRAMMES FROM ROMA & CO
A well-supported team leads to a thriving business. Let us create a benefits package that works for you and your employees.
Our employee financial wellness programme provides your team with a unique benefit that sets your business apart. The financial guidance and insurance cover improves their quality of life and secures their loyalty. And having access to insurance that they may not otherwise have, will help them return to work faster and manage life’s uncertainties more effectively.
HEALTH & MEDICAL
INSURANCE
If your team are relying on the New Zealand public health system for treatment, there’s a good chance that they are managing pain or illness which is preventing them from reaching their potential or working productively. Health insurance allows them to access private healthcare, reducing their waiting time and removing the stress and burden of living with a medical condition.
Already have group insurance? Review your policy with Roma & Co. We’ll give you personalised service and a free tailored financial wellness programme for your employees. So, you’ll be getting the best value for your money.