Business Expense Cover

Business expense cover provides for 100% of fixed business expenses if the business owner becomes totally disabled due to sickness or injury.

Business expense cover is specially designed for the self-employed individuals or members of a small business who need to cover their fixed business expenses if they cannot work due to sickness or injury.  It is vital for sole proprietors, who are generally responsible for 100% of the fixed expenses of the business.   It is equally important for small partnerships to ensure that each partner is covered for his or her share of business expenses.  Premiums are generally tax-deductible.

Fixed operating expenses of running a business include:

  • Accounting & audit fees
  • Bank fees & charges
  • Business Insurance premiums
  • Business loan repayments
  • Cleaning & Laundry
  • Computer servicing expenses
  • Contracted advertising
  • Contracted repairs & maintenance
  • Courier Costs
  • Equipment & vehicle leaving
  • Land tax
  • Postage Printing & Stationery
  • Professional fees & subscriptions
  • Property rates
  • Rent
  • Salaries & Superannuation
  • Utilities
  • Workers Compensation

To make an appointment with your adviser contact the office directly on (07) 3286 1322 or email us.