Purpose-fit business insurance advice

Business can be a real juggle. And that's without the curve balls. But a bit of well placed protection can go along way to securing continuity and peace of mind.

Employee Health Insurance

As any business owner knows, it all starts with having a great team. If you're looking for ways to reward your talent, and attract new talent to your business, take a look at Employee Health Insurance - a great option for workplace wellbeing, and protection for your team. And if you're interested in exploring broader wellness and productivity solutions, take a look at our partner OCP - Oceania's leading provider of employee assistance counselling services.

Shareholder Protection

Even great partnerships need a plan for 'what if'. For businesses with two or more shareholders, Shareholder Protection insurance can provide a solid plan in the event that one shareholder is unable to continue in the business due to illness, injury, or worst case, death. Basically, this type of cover provides the funding for the remaining shareholders to acquire the shares from the outgoing shareholder, or their beneficiaries.

Key Person Insurance

Have a great team and business is humming along? Here's a question: if a key person in your team (and that might even be you) was suddenly out of the picture due to illness or injury, how would your business cope? What might it cost you in terms of workload, delays, loss of income etc? Enter Key Person insurance - designed to help Kiwi business owners replace a key member of staff if they are unable to work due to illness or injury.

Business Interruption

Continuity - next to growth it is perhaps one of the most important words for business owners. Interruption to business operations are costly - income is lost, expenses still go out. Business Interruption insurance is designed to protect businesses from the financial impact of insurable events, such as a flood, earthquake, fire and more, providing much needed funding to cover loss of profit and costs incurred by the event.

Planning for the 'what if' in business.

Every business is different, even those that operate in the same industry. As with personal insurance, getting the right cover for your business is not best served by jumping straight into 'policy shopping mode'.

To get the right cover for your business, it's important to first sit down, and have a chat about the scenarios (and the likelihood of those scenarios occurring) that would cause the kind of harm to your business that you'd need financial assistance to overcome..

And that is what we excel at. Helping Kiwi business owners take a good look at their business to identify the risks they want to cover themselves, and the risks they want to cover using insurance. After all, it's about creating a protection plan that is cost-effective and robust, and most importantly, tailored the specific needs of each business.

Leading providers we work with

There's a myriad of options, but the trick is getting the right cover for your needs, That's why we have an extensive panel of insurance providers, and have built strong relationships with each.

A few words from our clients

My wife and I have been working with Scott for a few years now, and he advises our family for the insurance policies we have in place. Scott is very knowledgeable in the insurance industry and is always transparent and honest with his communication. Scott always holds the clients interest’s first and foremost which is a great attribute for a Financial Adviser. I recommend his services to anyone looking at their personal or business insurance policies.

I have been a client with Scott at Custom Financial both personally and through my business for over 15 years. Throughout this time Scott has always exceeded my expectations.I have a number of policies with some being very complex. Scott and his team continue to manage all of these with the highest level of confidence and experience. Nothing is a problem for Scott and I can highly recommend him.

Peter Finlayson

Scott was very professional and helped my wife and I out with all our Life and Income Protection needs. He provided a thorough explanation around all policy options which made it easy to decide what worked best for us.

Joshua and Ashleigh-Rose Branch

Scott was a pleasure to deal with and helped my partner and I make the right decisions when it came to our Insurance. We had a lot of questions but Scott was patient and never put us under pressure . He also helped to explain the benefits of KiwiSaver which we are both using now. Thanks again!

Rob & Sarah