Understand business risk
Business Insurance
Identify operational and continuity risks that may affect the business, its owners and the people who rely on it.
Who it may be relevant to
Different needs, considered in context.
- Business owners
- Directors
- Leadership teams
What to consider
Questions this service can help you explore.
- The business depends heavily on key assets or people
- Operations have changed since cover was arranged
- Continuity risks have not been reviewed together
How PWG can help
What we work through together.
- 01
Map material business exposures
- 02
Review arrangements in context
- 03
Connect operational and owner-level planning
This page provides general information, not personalised financial, legal or tax advice. Any recommendation is subject to an appropriate advice process.
What to expect
How the conversation usually runs.
No step is a commitment. You decide what happens next at every stage.
We map what the business depends on: people, premises, stock, systems and contracts.
We look at what an interruption would actually cost.
We review the cover in place and where it no longer matches the operation.
We agree the changes needed and who to instruct.
Before you come in
What is useful to have ready.
Rough figures are fine. Nothing here is a condition for starting the conversation.
- What the business owns, operates from, and transports.
- Your current policy schedule, limits and excess levels.
- Your revenue, and what a month of disruption would cost.
Insurers PWG works with
Organisations PWG Short Term Advisors arranges business short-term cover with, grouped by the type of organisation.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Brokers and intermediaries PWG works with
Organisations PWG Short Term Advisors arranges business short-term cover with, grouped by the type of organisation.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Underwriting managers PWG works with
Organisations PWG Short Term Advisors arranges business short-term cover with, grouped by the type of organisation.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Insurance administrators and intermediaries PWG works with
Organisations PWG Short Term Advisors arranges business short-term cover with, grouped by the type of organisation.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Who you may speak to
PWG team members working in this area.
Chris Snyman
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
Ian Kleingeld
Director | Key Individual | Risk & Wealth Planner
- Risk Planning
- Wealth Planning
- Insurance Solutions
Common questions
Questions people ask about business insurance.
Which business risks should be covered first?
Start with the ones that would stop the business trading: property, key equipment, vehicles, and the income lost while a disruption is repaired. Then look at liabilities — what the business could owe third parties for. A cover review that starts with a premium comparison usually answers the wrong question.
How often should business cover be reviewed?
At least annually, and immediately after any material change: new premises, new equipment, new contracts, a change in turnover, new employees in key roles, or a change in what the business does. Cover that was arranged for last year's operation is not evidence about this year's.
Does business cover also protect the owners personally?
Not automatically. Personal guarantees and key-person exposure are separate questions that sit alongside the business policies, and they are often where the risk concentrates. That is why the conversation covers the owners and their families, not only the trading entity.
Would you like to discuss this?
Tell us what you need help with. This is a request, not a confirmed appointment.