Nigel Rukuwai
Nigel Rukuwai
Personal Risk Insurance
Life can change unexpectedly, but the right insurance can help provide financial security when you need it most. Personal risk insurance is designed to protect you, your family, your lifestyle and your business if illness, injury, disability, or death affects your ability to earn an income or meet financial commitments.
With so many options available, choosing the right cover can be challenging. That’s where we can help. Rather than simply recommending a policy, we take the time to understand your circumstances, goals, and existing financial position so we can help identify the protection that best fits your needs.
The value of personal risk insurance is not just in having cover when something goes wrong. It’s in having confidence that you have a plan in place to help manage life’s uncertainties. Whether you’re protecting your income, reducing the financial impact of a serious health event, helping safeguard your family’s future, or ensuring your business can continue operating through unexpected challenges, the right advice can make a significant difference.
We work alongside you to create a personalised protection plan and provide ongoing support. If the unexpected does happen, we are here to guide you or your loved ones through the process and provide support when you need it most.
Your Protection Options
Everyone’s circumstances are different, which is why there’s no one-size-fits-all approach to protection.
Whether it’s your family, your income, your health, or your business, different types of cover can help provide financial support when life takes an unexpected turn. Below are some of the protection options we may recommend as part of a personalised plan designed around your needs and goals.
Life and Trauma
Life insurance provides financial protection for your loved ones in the event of your death, while trauma insurance covers you if you experience a major illness or injury. Trauma insurance can help cover medical expenses and other costs associated with recovery, allowing you to focus on healing instead of financial stress. Both types of insurance can provide peace of mind and security for you and your family.
Health
Health insurance covers the costs of medical, surgical expenses, medical treatments, including doctor visits, hospital stays, and prescription medications. Private cover helps you avoid longer wait times sometimes associated with the public system and provides access to more extensive treatment and specialist options.
Income Protection
Income protection insurance provides a monthly income if you’re unable to work due to illness or injury. It’s a valuable form of protection for those without sick pay, substantial savings or if you are self employed. Our Advisers can help you determine an appropriate cover amount and work our how long you may need financial support for.
Mortgage Protection
Mortgage protection is designed to cover a borrower’s mortgage payments in the event of unexpected circumstances such as job loss, disability, or death. It provides peace of mind and financial security for both the borrower and their family, ensuring that the mortgage can be paid off even in difficult times.
Our Insurance Partners
Insuring Your Personal Assets
Our homes, cars and other private assets (boats and toys) are some of our most significant investments. It is important to get sufficient cover to protect you financially and to provide you with peace of mind should something go wrong.
We take the time to understand what’s important to you and help ensure your cover reflects this, helping you protect the things that matter most and reduce the financial impact of unexpected events.
Your Protection Options
Home
Home Insurance: covers your building against flood, fire, explosion, natural disasters such as earthquake, storms or lightning strikes, damage by vandalism or break-in, and liability to third parties.
Contents
Contents Insurance: protects your valuable possessions, such as furniture, electronic items, whitegoods, sporting equipment, artwork and jewellery – so you can repair or replace them if they are damaged or stolen.
Cars
You depend on your vehicle for freedom and flexibility. So, it’s great to know that if it gets damaged or is written off, you’ve got the cover you need to get you back on the road as soon as possible. Motor insurance includes a range of covers to suit every driver and vehicle type.
Boats / Planes and Toys
Whatever kind of boat or other toy you may have we can help you find the right insurance for it. Boat insurance includes damage or loss of your own boat as well as damage to other vessels, people or property such as marinas.
Forms
Insuring Your Business Assets
Running a business comes with opportunities, challenges, and responsibilities. Having the right insurance in place can help provide confidence that, if the unexpected happens, your business has the support it needs to recover and keep moving forward.
We take the time to understand your business, the risks you face, and what’s important to protect. Whether you’re self-employed, own a growing business, or operate a farm, we’ll help you find insurance solutions that align with your needs and provide practical protection for the work you’ve worked hard to build.
Your Protection Options
Material Damage
Material damage can cover the business for the physical loss or damage caused to assets by natural disasters including weather events, earthquakes, and losses due to fire burglary and accident. This cover is essential for anyone who owns commercial buildings, equipment or stock.
Business Interruption
A business’ loss can be more than just the loss of a business asset. The asset loss may cause interruption to your normal business operations and that financial cost may even be more than the cost of the loss of the asset. Business interruption can assist the business survive by helping recover your loss of profit.
Commercial Motor
Commercial motor insurance is similar in manner to personal motor insurance in that is allows an entity to take out comprehensive cover, third party cover, or third party, fire and theft cover. Commercial motor cover may extend to commercial vehicles, company cars, business fleets, company cars and business fleets.
General Liability
This provides protection for liability from damage to third party property or bodily injury. This type of cover is important for anybody who occupies or leases property in connection with their business, and/or provides a service away from their premises (such as a decorator, painter, motor mechanic, electrician, plumber).
Contract Works
This is important cover for commercial, industrial and domestic builders, sub-contractors, and owner-builders against damage, natural disasters, injury, theft and product or public liability.
Farm
Cover to help safeguard your home, farm buildings, livestock, vehicles, equipment and against loss of income. Farm insurance can be tailored to cover your home and farm buildings, livestock, vehicles, equipment and more. It can also safeguard you against theft and loss of income.
Marine
Protects your business from loss or damage to vessels and cargo as well as the delivery and storage of goods. Marine insurance is important for businesses involved in shipping or receiving goods, operating watercraft commercially, repairing vessels, running a marina and more.
Our General Insurance Partners
Get in touch
Email our support team today and we will get back to you, and direct your query to the relevant persons. Use the contact form or contact us directly.
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