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

Start with the end in mind.

Protect your business against the financial impact of losing a partner, key individual or owner – and ensure continuity when it matters most.

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What does business assurance cover?

Business assurance protects the long-term stability of your practice – from ownership and succession to key individuals and financial obligations.

OWNERSHIP and SUCCESSION
Protect your business ownership
Ensure your business can continue smoothly if a partner or owner is no longer able to participate.
Buy-and-sell cover for business continuity
Funding to transfer ownership between partners
Protection against ownership disruption
BUSINESS CONTINUITY
Protect your people and obligations
Safeguard your business against the financial impact of losing key individuals or needing to meet outstanding commitments.
Key person cover for critical employees or owners
Contingent liability cover for business obligations
Credit loan cover to settle shareholder loans
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How it works
1. Define your business structure
Understand ownership, business dynamics and financial obligations.
2. Identify key risks
Determine what could impact your business and personal estate if somethings happens.
3. Structure your cover
Set up cover aligned to your business needs and agreements.
4. Review over time
Update your cover as your business evolves.

Why PPS Business Assurance

Designed for professional practices

Solutions built specifically for graduate professionals running their own businesses.

Structured for real-world scenarios

Cover designed around ownership, agreements and financial obligations.

Part of your broader PPS strategy

Your business protection integrates with your personal financial planning.

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 all types of cover?

You can have all four cover types as each cover type's purpose in the business plan differ. Whether you need all cover types depends on your business structure and the risks identified.

Is business assurance cover eligible for Profit-Share allocations?

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

What is buy-and-sell cover?

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 Business Assurance?

It protects your business against financial loss if a partner, owner or key individual passes away or becomes disabled.

Secure your practice’s future.

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

Start with the end in mind.

Protect your business against the financial impact of losing a partner, key individual, or owner – and ensure continuity when it matters most.