Financial Independence

The Risk That Shuts Businesses Down Is Not Always the One You Expect

When business owners think about risk, they usually think about physical damage. A fire. A flood. Theft. Storm damage. These are visible. Tangible. Easy to imagine. What often causes more long-term disruption is something less obvious. The inability to trade. Business Interruption Is Not Just a Buzzword Business interruption insurance is designed to protect your income if your business cannot operate due to an insured event. But here is where many owners misunderstand it. It

Liability Risk: The Exposure Many Businesses Overlook

While business interruption is about your income, liability risk is about your exposure to others. And this is often where businesses are more vulnerable than they realise. What Liability Actually Means Liability insurance is designed to protect your business if it causes loss, damage, or injury to someone else. This can include: A customer injured on your premises Property damage caused during work Professional advice that results in financial loss Products that cause harm F

Just Had a Baby, or Growing Your Family? Why Insurance Matters More Than Ever

Few moments change life as quickly as welcoming a child. Suddenly your priorities shift. Sleep becomes optional. Time feels scarce. And the weight of responsibility grows in ways that are hard to explain until you are living it. For many parents, insurance moves from something abstract to something very real during this stage of life. Not because anything has gone wrong, but because there is suddenly much more at stake. Why Parenthood Changes the Insurance Conversation Before

Should I Go Direct, or Use a Broker? What the Difference Really Is

When people start thinking about insurance, one of the first questions that comes up is whether to go directly to an insurance company or work with a broker. At first glance, going direct can seem simpler. You are dealing with the company that provides the policy, so it feels logical to assume you will get clear advice, a smooth process, and the best outcome. In reality, the difference between going direct and using a broker is less about the policy itself and more about the

Do I Really Have Health Insurance, or Do I Just Think I Do?

Many people feel reassured simply knowing they have health insurance. It sits quietly in the background, filed away, something you hope you never need to think about too much. And for the most part, that feels reasonable. What often surprises people is that having health insurance does not automatically mean you are covered for everything that matters. One of the most common gaps we see relates to unfunded or non-Pharmac drugs. What Are Unfunded or Non-Pharmac Drugs? In New Z

Clinical Risk and Insurance Risk: What Medical Professionals Need to Know

Medical professionals think about risk every day. You assess symptoms, weigh probabilities, monitor outcomes, and make informed decisions, often under pressure. Insurance also deals with risk, but it approaches it in a very different way. That difference is often where confusion and frustration begin, particularly for people who are deeply familiar with clinical decision-making. We see this regularly when doctors and specialists come to us for advice, and we are sympathetic