Business overview
Surround yourself with the experts - that is what we are told and what we do when in business. Do what you do best, leave the rest to the best. I am one of the best at assessing your financial risk management and ACC within your business. When you are unable to work due to an injury or an illness, you want to know your business and your family will continue to function financially, while you concentrate on being a better you.Insurance is a protection, ensuring you can keep the assets that you have worked hard to create. Insurance looks after your family when you no longer can.
A good broker is "Gold" - putting together insurance packages that meet your individual circumstances, having reviews to ensure the package still fits the need and always there when a claim arises.
The best broker will know how ACC works and when you will and will not get paid - especially as a business owner. I have been facilitating businesses with their ACC requirements for the past 10 years.
Products and services I offer
All my services are complementary, as a broker, I am paid commissions from the insurance companies. In saying that, I will always do what is right by the client first and foremost. I have access to 7 insurance agencies in New Zealand and use them all. Everyone's situation is different, the insurance companies are also different, so choice is invaluable.ACC advice, let's do a review of your current ACC within your business, within 10 minutes I can tell you if you would receive an income from ACC if injured and how much.
You will be surprised to know that only 65% of business owners will be entitled to ACC weekly compensation if injured. HOWEVER this does not have to be the case. I can change the ACC cover in this situation and place an insurance package in place, so in the event of an injury the business owner will be paid.
Recommendations on Life Cover, Total and Permanent Disability Cover, Trauma Cover, Disability Income Cover, Mortgage Repayment Cover and Medical Cover.
Recommendations on Co Shareholder Protection, Key Person, Locum Covers and Employee benefits.
Why I'm in the Venus Network
I have been a Venus Member for over 10 years. Loved facilitating and assisting in facilitation.Venus keeps me focused on my business - keeps me accountable. I also enjoy hearing about what is happening in the business world within our communities.
When assessing risk management within businesses, I have an holistic approach and this includes referring the business owners to various ladies within my Venus group, to either help with the growth of their business or with any health issues they may have.
There is a real bond between Venus Ladies that I have not come across in any other networking platform.
Testimonials
I met Karen when she came and spoke on ACC matters at a company meeting earlier in the year. In a brief presentation she clearly explained the benefits of taking time to look at how we can base our ACC payments to best suit our personal circumstances, including taking out income protection insurance and then lowering our ACC payments.Karen offered to meet Owen and I and run through what payment options would be best for us given our personal circumstances. From this free meeting it was clear Karen knew her business and offered us wise counsel. We now have ACC cover AND income protection insurance that is only a fraction more than the default ACC levies we were paying. Over and above that Karen was able to sort out a BETTER life insurance cover for me with FIXED PREMIUMS and at a CHEAPER rate.
I can highly recommend Karen as a professional in her field in offering excellent financial advice to people within the real estate industry.
Kind Regards,
Bernadette Griffiths
Licensed Sales Agent
Owen & Bernadette Griffiths
Professionals NRG Realty Ltd MREINZ
245 Maunganui Road, Mount Maunganui
We recently had Karen come to our work to talk to us about ACC. Karen was to the point, incredibly knowledgeable and used every day language that was easily understood. She then came to our home, after work hours to suit my husband and I, and put together a comprehensive insurance plan for us to our exact requirements. We found her to be very thorough and knowledgeable about not only ACC, but also the income and medical insurance that we needed, and we subsequently changed all of these insurances to a company that offered what we needed at a lesser price than we were previously paying. Her follow up afterwards to get everything into place was effortless on our part, and we have complete trust that she will come through for us when or if we need it.
I fully recommend her to anyone, and have done so since I met her.
Kind Regards
Linda McLean
licensed real estate salesperson REAA 2008
My point of difference
I always put the clients first and foremost. ACC investigations are my speciality.Working alongside businesses preparing recommendations that ensure there is a preservation strategy and an exit strategy in place for the unforeseen events of short term disability, permanent disability and death.
You will come away from our meetings, informed and educated, knowing you have done the right thing for your business and your family.
