Being the boss can be exciting and rewarding, and as a business ourselves, we appreciate the responsibilities and risks that can come with becoming and staying successful.
Protecting your business against property loss or damage is important, but have you considered the importance of your most valuable asset – yourself and the people you rely on?
Take charge of your business
The loss, or temporary loss, of key people can have a noticeable impact on any business and can even cause it to fail. We believe you should have the freedom to choose a plan that suits your circumstances and protects your business and team from the unexpected consequences of illness, injury or death.
We can help you with a wide range of business insurance solutions, whatever the size and nature of your business; from those who are newly self-employed, to those in rural business.
Safeguards your family's future, and the future of your business.
Protects your income, while you get your business off the ground.
Helps keep your business running when you lose a key person.
Insurance provided to employees by their employer, or offered to employees through their place of work..
Secures the future of your farm, if you are out of action.
Protects your business from the impact of a major illness striking you or a key person.
Should you or a key person be permanently disabled, TPD can help keep the business going.
What is the Guaranteed Enhancement Benefit?
We regularly review our TotalCareMax products to ensure that they continue to meet your changing needs.
Our Guaranteed Enhancement Benefit ensures that you automatically benefit from all products enhancements without having to re-apply for cover.
How does it work?
At claim time, Sovereign will compare the enhanced section in the latest version of the policy wording with your policy wording and will apply the section that is most favourable to you. Any underwriting exclusions or special terms that apply to your policy will not be altered by any enhanced section.
Please note that enhancements apply to new claims where the claim event date occurs on or after the date that the enhancement was introduced.
Where can I find more information about the latest enhancements?
Please speak with your adviser or follow the links under ‘Sovereign personal insurance solutions’ to learn more about the latest enhancements for your chosen product.
Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.