“The only man who sticks closer to you in adversity than a friend is a creditor.”


Your business can often feel like having a child. You have birthed it, fostered its growth, and hope for nothing more than to watch it thrive. It is not uncommon to be so busy in your business, that you neglect to have that time to focus ON your business.

If you were taken out of your business, how does your business survive?

It’s a big question. There could be a period where revenue still flows into the business, but for how long?

Perhaps you could replace yourself? But how long and costly is recruitment, and how long to get your replacement up to speed? Who would facilitate this handover of duties if you’re not able to do so?

How would a drop in revenue impact your ability to repay business loans? A key question when looking at business debt, is understanding who owns that debt? How much is it, and at what point would it be called up, if your ability to maintain regular loan repayments were impacted by your absence from the business?

What personal guarantees have been signed? Is a family home also securing your business lending?

Helping to ensure the continuation of your business, is about understanding what situations you would need the business bills covered. Death, illness, and/or Permanent Disability.

There are many ways to structure your Business Continuation Insurance. The Insurance Basket will take the time to understand your situation, so we can match you with the appropriate type of cover, ensuring the survival of your business.