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 kiwi businesses both large and small

Steve has been amazing. When I found myself out of work, recieving cover was quick and seamless. You don't know just how important the right insurance is, until you need it the most. Thank you!

— Business Name

Current ViewLife Client

I found working with Donna and Steve to be amazing. I had some reservations about how hard it would be to make claims. After going through the process, it was so simple.

— Business Name

Founder, eCommerce Brand

Steve has been amazing. When I found myself out of work, recieving cover was quick and seamless. You don't know just how important the right insurance is, until you need it the most. Thank you!

— Business Name

Brand Manager

I found working with Donna and Steve to be amazing. I had some reservations about how hard it would be to make claims. After going through the process, it was so simple.

— Business Name

Founder, eCommerce Brand

Steve has been amazing. When I found myself out of work, recieving cover was quick and seamless. You don't know just how important the right insurance is, until you need it the most. Thank you!

— Business Name

Co-Founder & Director

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.