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“The easiest way to compare insurance and save up to 40%.

And it’s free!”

Your Personal Adviser

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Business Insurance - Leave Nothing to Chance

At Insurance Focus, we make understanding your risks and insuring against them our business. We are a leading provider of Key Person Insurance, Buy / Sell Insurance and Business Expenses Insurance.

What is Key Person Insurance?

Key person insurance compensates a business for financial losses that would arise from the death or extended incapacity of a key person of the business. The insurance payout is a lump sum and is used to offset costs which the business is likely to suffer in the event of the loss of a key person.

What is Buy / Sell Insurance?

Buy/Sell insurance pays a lump sum if you or one of your partners dies or suffers a serious illness or injury and are unable to stay in the business. The payout helps ensure that the remaining owners can acquire the departing owner’s share and continue running the business.

What is Business Expenses Insurance?

Business expenses insurance pays a monthly benefit to cover fixed business costs if the business owner suffers an illness or injury and is unable to work. This means that the business’ bills can continue to be paid and the business can stay afloat without the owner having to dip into their savings or increase their debt while they are recovering.

Insurance Focus also partners with Interlink Insurance Brokers (https://www.iibs.com.au/ ) to provide our clients with other types of business insurance, including:

Providing business insurance solutions that meet your individual and very specific needs is our focus. By working closely with you to understand, identify and assess the risks your business faces, we can recommend the most effective and cost-efficient solutions to mitigate those risks.

Speak with an Insurance Focus financial adviser today.

We offer Free Insurance Quotes with no obligation to sign up for an insurance policy.

You’ll receive the best business insurance advice available.

GET A FREE QUOTE

No “What IFs”.
Keep your business on track if you are unable to work due to sickness or injury.

To find out if you already have business insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

When it comes to your business, leave nothing to chance. Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

The most valuable resource of any business is its staff. Loss of key staff can affect every aspect of a business – revenue, profit, goodwill and ultimately the value of your business.

This means that most small to medium businesses are carrying significant financial risk should the unexpected happen to one of their key people. The big question you have to ask yourself is:

‘Would your business be able to maintain its revenues and profits if one of its key people died or couldn’t work for an extended period due to a serious illness or accident?’

If your answer to this question is “no”, you need to consider transferring that financial risk to an insurance company. Your financial adviser can help you do that, as well as answer any questions you have about key person insurance, and then calculate how much key person insurance you need to safeguard your business in the event something should happen to one of your key people. And, if you wish, your adviser will use our sophisticated computer program to ‘broker’ the major insurers to find you the right cover at a competitive price.*

*Insurance cover is subject to eligibility criteria

When it comes to your business, leave nothing to chance. Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

When it comes to business estate planning, the big question you need to ask is: ‘Would your business be able to buy a departing owner’s share of the business if they died or suffered a serious illness or injury?’

If your answer to this question is “no”, you need to consider transferring that financial risk to an insurance company.

Your financial adviser can help you do that, as well as answer any questions you have about Buy/Sell insurance, and then calculate how much Buy/Sell insurance you need to safeguard your business in the event something should happen to one of the partners.

And, if you wish, your adviser will use our sophisticated computer program to ‘broker’ the major insurers to find you and your business partners the right cover at a competitive price.*

*Insurance cover is subject to eligibility criteria

When it comes to your business, leave nothing to chance. Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

Are you a smaller business with high fixed costs that are dependent on the income you generate?

If you said “yes”, then Business Expenses Insurance covers your fixed business costs, as a monthly reimbursement, so you can focus on your recovery – and not your bills. Insurers typically cover expenses such as*:

  • Accounting and audit fees
  • Regular advertising costs, postage, printing and stationary
  • Electricity, gas, heating, water, telephone, internet and cleaning costs
  • Security costs
  • Rent, property rates and taxes
  • Membership fees, publications and subscriptions to professional bodies
  • Leasing costs of plant and equipment
  • Bank charges, principal and interest payments on business loans
  • Business related insurance premiums – public liability, professional indemnity
  • Salaries and other related costs for non-income generating employees
  • Net costs associated with employing a locum

*Insurance cover is subject to eligibility criteria

When it comes to your business, leave nothing to chance. Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

To find out if you already have business insurance, Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

A licensed financial adviser from Insurance Focus will help you understand the different options available plus find you a suitable business insurance policy that provides you with adequate cover. Quotes from Insurance Focus are provided free of charge and there is absolutely no obligation to sign up for a policy.

When it comes to your business, leave nothing to chance. Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.

Step 1

Call

You or your nominated beneficiary (which could be your next of kin or the executor of your Will) simply call Insurance Focus on 1300 998 993.

Or Email

Email claims@insurancefocus.com.au to let us know that you will be lodging a claim.

Step 2

Speak to an Adviser

Your dedicated Insurance Focus financial adviser will contact you to take you through the claims process

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Personalised Insurance Advice

Get a personalised insurance policy from a licensed financial adviser and ensure you’re adequately protected from financial worry at no extra cost.

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Price Guarantee

You won’t pay extra with Insurance Focus as there are no added fees – It’s the same as going direct. Plus, we’ll also compare life insurance policies from all of Australia’s leading insurers for free!

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Free Policy Review

Get a Free Policy Review today and get peace of mind! It will only take a few minutes to ensure you’re adequately protected from financial worry.