Business protection.

Business protection.

Your business customers have unique needs so we’ve developed protection specifically for them.

Adviser Use Only

Our business protection includes:

We also offer protection especially designed for rural businesses:

Location 3 4523 Rt RGB Lores

Key person cover

Key person cover contributes up to $30,000 per month towards replacing a key member of staff for one or two years, if that person’s unable to work due to sickness or injury. A payout helps keep things running smoothly until the key person gets back on board and can be used in any way the business needs it.

If your customer has been self-employed for less than three years they can apply for key person cover as a new to business cover with a reduced benefit level and a one year benefit period.

Available in Platinum Plus
Location 3 2439 Rt RGB Lores

Business expenses cover

With business expenses cover your customers can keep their business running if they suffer illness or injury. Whether they’re a sole trader, small business owner or in a partnership, they can claim the costs of running their business if they’re unable to work due to illness or injury over a two-year period.

Available in Platinum Plus
Location 3 9109 Rt RGB Lores

Rural key person cover

Farming businesses are particularly vulnerable in the event of a loss of a key worker due to sickness or injury. Rural key person cover will pay a monthly income, allowing your customer to replace that person and keep the farm ticking over. This policy provides a replacement income of up to 35% of pre-disability earnings, or 35% of gross farm turnover, up to a maximum of $10,000 per month.

Available in Platinum Plus and Platinum Plus Level Term
Location 3 8808 Rt RGB Lores

Key person cover for farmers

This cover’s especially designed for new or young farm owners, managers, sharemilkers and contract milkers. It helps cover the cost of a replacement for up to a year if disability or illness strikes the farmer or a key employee. To apply, farmers only need 12 months’ experience and must meet other revenue and ownership criteria.

Available in Platinum Plus

Available with business cover:

These are a selection of the covers and options available and require payment of an additional premium – for full details please read the customer brochure.

Related covers

Frequently Asked Questions

We’ve compiled a list of the most commonly asked questions about this cover. For the full run down though, it’s really important you read the customer brochure.

See FAQs

Need more info?

Contact your Business Manager or call us on 0800 88 22 88 - we’re here to help.


Customers - The materials on this website are intended for financial adviser use only and are not intended for customer use. A financial adviser can assess your life insurance needs and make recommendations that are suitable for your personal circumstances. If you do not have a financial adviser, please contact Fidelity Life on 0800 88 22 88 and we will put you in contact with one.
Advisers - The information contained in this webpage is a convenient summary of the key points of this insurance policy and is general in nature. It is not, and is not intended to be, a policy document. Details of definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation which is available from your Business Manager or Business Account Manager. Please refer to current policy wordings for specific details. This webpage does not provide a personalised financial advice service.