PPS is a licensed life insurer, controlling company and authorised FSP.

Let's start the conversation

Whether you’re exploring membership, looking for financial advice or interested in one of our solutions, complete the form below and we’ll be in touch.

Your practice is your greatest asset. Protect it like one.

PPS offers specialist business protection for graduate professionals – from succession planning and key person cover to commercial insurance.

Three professionals chatting and reviewing a tablet together in a wood-panelled lounge
badge
This is some text inside of a div block.
BUSINESS PROTECTION FOR PROFESSIONALS

Start with the end in mind

Your business is more than an income – it is your livelihood, your legacy and your greatest asset.

PPS offers solutions designed to protect both the day-to-day operations of your practice and its long-term future, so you can plan with confidence.

Protect ownership, partners and key individuals
Safeguard your operations against everyday risks
Plan for continuity, succession and the unexpected
Settle business debt and ensure continuity when key events occur
PPS Business Insurance hero image

Protect your business at every level

Your business faces different types of risk – from day-to-day disruptions to long-term ownership and succession. PPS helps you cover both.

LONG-TERM PROTECTION
Business Assurance
Protect your business against the financial impact of losing a partner, key individual or owner – and ensure continuity, succession and stability.
Covers key individuals and business owners
Supports succession and buy-and-sell agreements
Provides liquidity for loans and liabilities
DAY-TO-DAY PROTECTION
Business Insurance
Protect your business operations, assets and income against everyday risks – from damage and loss to liability and interruption.
Covers office, equipment and business assets
Protection against liability and interruption
Flexible cover tailored to your operations

Why PPS for Business

Built for business owners

Solutions designed specifically for professionals running and growing their own businesses.

Simplify the complexity

Structure your cover across multiple risks without unnecessary admin or duplication.

Your business and your PPS Profit-Share Account™

If you as a member holds a qualifying life-risk product, you will be eligible for Profit-Share allocations thanks to your business cover.

Business

Find the answers you are looking for

Have questions about this solution, your cover, or how it works? Browse our most frequently asked questions for quick answers and helpful guidance.

Do I need both Business Assurance and Business Insurance?

In many cases, yes. They protect different areas of your business and work together to provide full cover.

Is business cover eligible for Profit-Share allocations?

Yes. If you as a member hold a qualifying life-risk product, your business cover will make you eligible for additional Profit-Share allocations.

What happens if a partner passes away?

A buy and sell agreement and cover ensures that the remaining owners are able to purchase the shareholding from the deceased or disabled owner without financial strain.

What is key person cover?

It protects your business against the financial impact of losing a key employee or owner.

What is the difference between Business Assurance and Business Insurance?

Business Assurance covers the people behind the business – what happens if an owner, partner or key employee dies, becomes disabled or suffers a critical illness. Business Insurance covers the physical assets and liabilities of the practice.

Protect your practice. Secure its future.

Speak to a PPS-accredited financial adviser about the right business protection structure for your practice.