• Protecting the cash flow & core of your business

    Whilst your material assets are valuable, they are generally replaceable. Should your business lose a key person however, the impact can be far more devastating. Adequate coverage & planning in this area will ensure this risk is minimised.

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Business Overheads Cover

Business Overheads Cover

What are your ongoing expenses & how would your business perform without them?



This pays a monthly amount to the business should the person insured be unable to work from illness or injury, however it is calculated on specific on-going business overheads. Some examples of insurable expenses are:

  • Accounting & audit fees
  • Electricity, heating, water, telephone costs
  • Costs of employing a locum
  • Property rates & insurance
  • Salaries of non-income generating employees

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