At Carricks, we’re here to help you protect you and everything that you care about.
As a business owner, we know that you have put a lot of “blood, sweat, and tears” (not to mention money), into your business. That may also mean a lot of your wealth is tied up in your business, whether it is loans from you, or loans that you have taken from the bank and guaranteed.
Often the business relies on your ongoing ability and uniqueness to keep it going. Sometimes you will have someone else who is also vital to your business, whether it is because they generate a lot of your income, know how to get and keep your customers, or have key relationships with your suppliers and partners.
Knowing that you can keep that wealth when you or your key person cannot operate is important. This is where business insurance can be very useful, as it will provide you with money when you need it most.
At Carricks, we know that the process of trying to get the right business insurance in place can be overwhelming.
You may want Business Insurance for your key people, or to protect the owners and their families. Either way, the insurance is often the same. It is where the proceeds go, and how the plans and payments are made that matters.
Carricks will help make the process as simple as possible by listening to your requirements. Then we'll help you identify how much will be needed in order to give you, your business, and your loved ones a financial safety net, should the unexpected occur.
How we can help you
Carricks has access to a range of insurers and can tailor your level of cover, benefit period, payment option and other plan options to suit your own circumstances. We help you understand the types of business insurance that may be appropriate for your circumstances:
|Life Insurance||Provides the business/business owners a lump sum in the event of your death.|
|Business Income Protection
||Provides your business with a monthly payment if you are temporarily unable to work due to disability.|
|Trauma or Crisis
||Pays the business/business owners a lump sum if you suffer or contract a critical condition specified in the policy (eg. heart attack, stroke, cancer).|
|Total and Permanent Disability
||Provides your business/business owners a lump sum if you suffer a total and permanent disability and are unable to work again.|
You don't know what life is going to throw at you, but one thing you can know is that you and your business are covered in case of adversity. Having the right insurances in place will provide you with that peace of mind.
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