Business Insurance

Business Overheads Cover

Business Overheads Cover is designed to reduce the operational and financial pressure of meeting ongoing business expenses if you are unable to work due to illness or injury, allowing you to focus on your recovery.

This structure is intended to provide immediate financial support while ensuring longer term payments align with the ongoing costs of operating the business.

First Three Months

For the first three months of a claim, the benefit payable is the full sum insured, regardless of the actual business expenses incurred during that period.

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After Three Months

After the initial three months, the benefit payable will be the lesser of the sum insured or your share of eligible business overhead expenses, subject to the policy terms and conditions.

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Personal Insurance

Replacement Labour Cover

Replacement Labour Cover is designed to help pay the cost of hiring replacement staff if a key person is unable to work due to illness or injury.

When a key individual is unable to perform their role, the ongoing operation of a business can be disrupted. Replacement Labour Cover helps ease this pressure by contributing toward the cost of engaging temporary staff or contractors to perform essential duties.

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Maintain business continuity

Supporting the day to day running of the business while the insured person recovers.

Protect revenue and client relationships

Helping ensure work can continue to be completed and service levels maintained.

Reduce financial strain

Assisting with the additional cost of replacement labour, rather than drawing on business reserves or personal savings.

Replacement Labour Cover is intended to support the business during a temporary disruption and is subject to policy terms, benefit limits, and waiting periods. The suitability of this cover will depend on the structure of the business, the role of the insured person, and existing financial arrangements.

Personal Insurance

Revenue Replacement Cover

Revenue Replacement Cover is designed to help replace lost business revenue if a key person is unable to work due to illness or injury.

When a key individual is unable to perform their role, a business may experience a reduction in income, even if fixed costs and expenses continue. Revenue Replacement Cover helps reduce the financial impact of this disruption by providing ongoing financial support to help offset lost turnover.

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Support ongoing cash flow

Assisting with the loss of revenue while the key person is unable to work, helping the business continue operating during this period.

Maintain business stability

Helping meet ongoing commitments such as wages, rent, and supplier payments while income is reduced.

Protect the long‑term viability of the business

Providing financial breathing space so the business can continue to trade and recover, rather than being forced to downsize or close.

Revenue Replacement Cover is intended tosupport the business during a temporary interruption and is subject to policyterms, benefit limits, waiting periods, and claim conditions. The suitabilityof this cover will depend on the nature of the business, the role of the keyperson, and the level of revenue reliance on that individual.

What Our Clients Say

Trusted by everyday kiwi's

“Steve made the whole insurance process far easier than I expected. He took the time to explain everything clearly, without pressure or jargon. I finally feel confident that my cover suits my situation.”

— Sarah Thompson

“Donna took the time to really understand our situation before recommending cover. Her approach was calm, professional, and easy to follow, which gave us confidence in our decisions.”

— Andrew Patel

“What stood out was how approachable Steve was. He explained our insurance options in a way that actually made sense and helped us choose cover that fit our needs and budget.”

— Mark Reynolds

“Donna was fantastic to deal with. She explained our insurance options clearly and made the whole process feel simple and manageable. We felt supported every step of the way.”

— Lisa Morgan

“When we needed to make a claim, Donna was incredibly helpful. She guided us through the process and kept us informed throughout, which took a lot of stress off us at the time.”

— Hannah Brooks

“When it came time to make a claim, Steve was outstanding. He guided us through the process, handled the insurer communication, and made what could have been a stressful time much easier.”

— Emma Collins

“Donna made insurance far less overwhelming than we expected. Her friendly, practical approach helped us understand our cover and feel comfortable asking questions.”

— Sophie Williams

“Steve’s advice was clear, balanced, and tailored to us. There was no pressure just honest guidance. We feel well looked after and confident we made the right decisions.”

— Rachel Nguyen

“Steve took the time to understand our situation properly and never rushed us. Knowing he’s there if we ever need to make a claim gives us real peace of mind.”

— Daniel Parker

“It hasn’t just been about setting up insurance. Steve checks in, answers questions when they come up, and genuinely makes sure our cover stays relevant as life changes.”

— James Wilson

“Donna explained things in plain language and never rushed us. We appreciated her balanced advice and the way she focused on what was right for us, not just selling a policy.”

— Michael O’Connor

“What stood out with Donna was the ongoing support. She didn’t just set things up and disappear — she’s always available when we need clarification or reassurance.”

— Nathan Roberts

Client Enquires

Have questions or need personalised advice?

Reach out to our expert team for guidance tailored to your insurance needs. We’re here to help you make informed decisions with confidence.

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I'm Steve, Director of ViewLife. I look forward to hearing how we can help you protect your business and the important services you provide.