Wealth Protection Planning
Business & Asset Insurance
Keyman insurance, shop and property cover, and vehicle policies for business owners and professionals.
- Minimum
- On enquiry
- Risk
- Low risk
- Liquidity
- Locked in
Overview
What this actually is
For a business owner, personal and business finances are rarely separable. A fire, a liability claim or the loss of a key person can reach straight through to personal wealth.
We cover the business side — keyman, property, shop and vehicle — alongside the personal plan, because we already have visibility of both.
Why consider it
What it does well
- Keyman cover protects the business against the loss of a critical person.
- Property and shop cover protects the asset base that generates income.
- Premiums may be deductible as a business expense under prevailing rules.
- Coordinated with the personal plan by an advisor who sees both.
Key details
The specifics
- Types
- Keyman, shop, property, vehicle
- For
- Business owners and professionals
Who is this for
You might be a fit if…
If none of these describe you, that is useful information too — tell us on the call and we will point you somewhere more suitable.
- Business owners with premises, stock or equipment
- Partnerships dependent on one or two key individuals
- Professionals with practice assets or liability exposure
Risks & considerations
- Policies contain specific exclusions — flood, earthquake, business interruption and others may require separate cover or endorsements.
- Under-insuring an asset can trigger an average clause, reducing the payout proportionally even on a partial loss.
- Keyman insurance proceeds and premium deductibility have specific tax treatment that should be confirmed before purchase.
- Claims require documentation and valuation; poor records materially delay or reduce settlement.
Important information
Insurance is the subject matter of solicitation. Please read the sales brochure and policy wording carefully for details on benefits, exclusions, limitations, terms and conditions before concluding a sale.
Sarvam Associates is a distribution partner, not the manufacturer of these products.
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Next step
Talk to a Sarvam advisor
Fifteen minutes on business & asset insurance — whether it fits, what it would cost you, and what could go wrong. No obligation either way.
Important information
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully before investing.
Sarvam Associates is a distribution partner, not the manufacturer of these products.
The content on this website is for general information only and does not constitute investment advice or a recommendation to buy or sell any product. Product suitability depends on your individual circumstances. Please speak with an advisor before investing.