HOME  >  PROPERTY LAW  >  Property Law - Insurance and Risk Management 
Insurance and Risk Management
TRUST SEMINAR BOOKINGS

Solutions with Trusts

Solutions with Trusts (Cantonese Language)

Solutions with Trusts (Mandarin Language)

Trust Administration (for clients )

Trust Administration Seminars (for the public )

 
Register here for
Free Legal Updates

LEGAL ADVICE LINE:

0900 DYOdocs (0900 3963627). Calls cost $3 per minute plus GST. Please ensure that you have the consent of the account holder.

 

Property Law - Insurance and Risk Management

Income protection and disability Insurance

New Zealand Insurance Company sites
"Life is short and the time we waste in yawning never can be gained" - Stendhal

Insuring your assets

Insurance is needed to protect against the unexpected.  It enables you to safeguard the lifestyle you have become accustomed to.  It is necessary for peace of mind. There are many insurance options open to you. Learn about the best options available to you.

Home and car Insurance

It is vitally important to insure your home(building and contents), car and other important assets. If you do not, and the worst happens, your important financial objectives will not be achieved. In the event of serious damage to your home or car, Insurance will give you the financial resources to ensure that your important objectives will be achieved. 
It is important that you get the right amount and type of Insurance. If you have less Insurance that you actually need, you are placing the achievement of your long term objectives at risk. 
 

Life Insurance

None of us like to think about death or incapacity. Those who rely on us, such as partners or children, will find it even more difficult to cope, if there are financial problems following your death or incapacity. 
You need to safeguard your family with life Insurance and income protection Insurance if they could not cope financially in the event of your death or incapacity.  

Whole of Life Insurance

gives you lifetime protection cover for death or terminal illness

 Endowment Insurance

Endowment Insurance gives you a guaranteed sum of money at maturity cover for death or terminal illness

Income and disability protection Insurance

Injury or long term illness can affect anyone, any time. If you do not have income continuation Insurance (also known as disability Insurance)if you are unable to work and earn a living, how will you cope? How will you pay your out goings such as the mortgage, gas, electricity and telephone bills, loan repayments, and your everyday living expenses?  
 

Business Insurance

Property damage. You need cover against damage to stock, contents and buildings at your business premises Loss of business income Product and public liability. This Insurance covers you if you become legally liable for: 
  • Personal injury 
  •  Damage to property caused by an occurrence connected with your business.
  • Money. To protect you against loss or theft of money.
  • Glass breakage
  • Burglary
  • Accidental damage to buildings, stock and contents at your business premises.
  • Electronic equipment - cover for damage, theft or breakdown
  • Machinery - you can cover the cost of repairs should your electrical or mechanical equipment breakdown
  • Dishonest employees - you can get cover for embezzlement
  • Tax investigations - cover for accountancy and legal fees incurred as a result of an in depth tax investigation.
  • Transit Insurance covers you for specific damage to your property whilst in transit.

Professional Indemnity Insurance

Professionals can be legally liable for claims arising from their negligent acts. The damages payable as a result of professional negligence can be extremely high. When the cost of legal fees for the defence of court actions are added, the results can be devastating. A Professional Indemnity policy can provide cover against:
  • Defamation
  • Loss of Documents
  • Dishonesty
  • Fidelity
  • Partners Previous Business
  • Retroactive Cover
  • Protection against breaches of statutes such as the Fair Trading Act (New Zealand, the Commerce Act (New Zealand), and the Trade Practices Act (Australia).

Directors and Officers Liability Insurance

Directors responsibilities are constantly changing. This leads to increasing exposure to potential legal action. The effects can be disastrous to your reputation and to your livelihood. 
Directors can also face legal action for actions such as:
  • Wrongful dismissal
  • Harassment (sexual, racial, age)
  • Defamation
  • Shareholders
  • Creditors
  • Liquidators


 
Insurance and Risk Management
Copyright © 2008
Pacific Trusts
All rights reserved.
About Us        Contact Us        Terms & Conditions