Insure yourself and your people

You’re only as good as your people If you, or a key member of staff, fall ill or are injured, your business could suffer too. With the appropriate insurance, money will be one less thing for you to worry about. To make sure you have the right level of cover, get in touch with one of our commercial managers for an obligation free quote.

	Life Cover If the insured person dies or is diagnosed with a terminal illness, Life Cover pays can pay a lump sum to the policy owner. This lets you clear debt, take care of ownership buyout issues, and helps with business continuity. Work out a quick life insurance estimate now.
	Critical Trauma Cover If the insured person is diagnosed with a specified serious illness, the policy owner could be paid a lump sum. This could be used for recruiting and paying a replacement person, paying back debt, sorting out ownership buyout issues, and ensuring business continuity.
	Total and Permanent Disability (TDP) Cover If you or a key person, who is insured, is disabled and unable to work again, the policy owner can receive a cash lump sum. This could be used to clear debt, help buy out a co-owner, or assist with business continuity.
	Income Protection Cover If you’re unable to work for more than 10 hours a week because you’re ill or injured, this can provide a monthly payment to replace your lost personal income. Letting you focus on your recovery.
	New to Business Cover If your business has been going for less than four years, and an owner or key person is unable to work for more than 10 hours per week, this cover can provide a fixed monthly payment - an essential financial safety net to help your business survive.
	Business Continuation Cover If you have a profitable business that’s been established for more than four years, and an owner or key person is unable to work for more than 10 hours per week, this can pay a fixed monthly amount. Use it to supplement cash flow, lessen the financial impact of the person’s absence, and pay the cost of a suitable qualified replacement.

View Terms and Conditions

Important: The information above is provided for general information purposes only and is only a summary of the insurance products referred to. Terms, conditions, exclusions and limits apply and more detail can be found in the relevant policy document. We recommend you speak to your Westpac Relationship Manager for more information. The Business Risk Protection Plan is arranged by Westpac New Zealand Limited (“Westpac”) and is underwritten by Westpac Life-NZ-Limited (“Westpac Life”) and/or third party insurers. The availability of insurance cover is subject to the acceptance and approval of a complete application and will depend on the relevant underwriter’s assessment of risk. Westpac does not guarantee the obligations of Westpac Life and/or third party insurers.

Westpac Life is a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited which is, in turn, a wholly owned subsidiary of Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia. Neither Westpac Banking Corporation nor Westpac guarantees the obligations of, or any products issued by, Westpac Life and/or third party insurers. Westpac may receive commission payments as a result of the arrangement of policies underwritten by Westpac Life and/or third party insurers.

For Westpac Life's Financial Strength Rating please click here.