Your business secured.

Insurance advice for business owners.

Success isn’t chance – it’s a choice. The same goes for maintaining it. As your partners in prosperity, we deliver personalised insurance advice so you can make choices that keep your life and business on track, even if your risks become your reality.

Ever asked yourself these questions?

What financial resources does your business have to replace a key person?
What would happen to your family if you couldn’t bring in an income?
If your partner passed away unexpectedly:
- Who would assume their responsibilities and ownership stake?
- How would the buyout be funded (e.g. through life insurance, business assets, personal funds)?
- Is there a funding mechanism in place to cover their immediate financial obligations or debts?
- How will remaining partners ensure their family is treated fairly and receives appropriate financial consideration?

If you don’t have concrete answers, keep reading to find out how our insurance advice helps you get them.

Buy / Sell insurance.

Don’t be left wondering how to find the funds to buy your partner out or negotiating with a grieving family. Buy/Sell insurance provides the safety net you need to adapt quickly and acquire your share of the business in an equitable and predetermined way.

With the right policy, you can:

Ensure a seamless change in ownership.
Set clear, fair market value for a partner's share.
Provide the funds for your deceased partner's share.
Preserve control and prevent conflict.
Ensure financial stability for all parties.

Key person insurance.

Imagine your indispensable CFO or Foreman faces a health crisis and don’t show up to work today. All of a sudden you could face major cashflow disruptions to the business and operational instability. At times like this, Key Person Insurance protects against the loss of revenue and additional working costs.

With the right policy you can:

Income protection.

If you’re here, you’ve probably been thinking about how you’d replace your income if you can’t work due to sickness or an accident. Income Protection effectively provides you unlimited sick leave 24/7, with world wide coverage until you’re 65.

With the right policy you can:

Debt protection.

Debt protection provides a financial safeguard to you and your estate. Protecting you from the complexities of business debts and long term leases. With the assurance of comprehensive coverage, you’re free to channel your energy towards growth, innovation and business success.

With the right policy you’ll:

Ensure funds are available to settle outstanding debts.
Maintain business continuity and allow operations to continue smoothly.
Provide assurance to creditors about your financial stability.
Prevent the need to sell business and/or personal assets for debt repayment.

Hear Chris' story.

Chris Johns shares how Navita has been helping Hoppys Express Car Wash with their insurance needs for the last 20 years.

Secure your future.

If you want to work with expert insurance advisors who genuinely care about the financial security of your business and family, reach out. We’ll show you how we can help you navigate life with ease.

With insurer premium increases becoming significant in recent years, we wanted to ensure our cover still made sense and was structured properly. PJ and his team gave us clarity and control over our buy-sell and key person insurance. They identified gaps, corrected ownership, aligned cover, and simplified everything into one clear structure - while also delivering meaningful savings. Importantly, we now have one team that understands it all and can manage it properly. Our CFO has a single point of contact, and many of our partners - myself included - also benefited from reviewing our personal insurance at the same time. We now have confidence everything is set up properly now and moving forward.

Shane McCarthyCEO of McCarthy Durie Lawyers

The information contained herein is of a general nature only and does not constitute personal advice. You should not act on any recommendation without considering your personal needs, circumstances, and objectives. We recommend you obtain professional financial advice specific to your circumstances. You should read any relevant Product Disclosure Statements before making an investment decision.