BRC Advice / Business continuity and risk
BRC helps New Zealand business owners, professionals, families, and employers protect against the financial impact of death, disability, illness, injury, loss of income, and business disruption.
BRC Advice works with business owners, professionals, and families to plan for the financial impact of illness, injury, disability, and death. The work is personal: understanding who depends on you, what needs to keep operating, and which decisions need to be clear before pressure arrives.
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Risk insurance is not about buying a product first. It is about reviewing what would happen if income stopped, a key person could not work, a shareholder needed to exit, staff needed certainty, or a family had to make decisions under pressure.
Start with the area that best matches the exposure you are trying to solve. Each service is structured around practical decisions, not product lists.
Get advice →Owner income, overheads, debt, and key people. The risks that stop a business.
→ 02Buy-sell funding and ownership transfer when a partner exits unexpectedly.
→ 03Household income, mortgage debt, family security, and ACC gaps.
→ 04Benefits that staff understand, value, and actually use.
→ 05ParentBoost, travel, retirement, and work visa insurance support.
→ 06Check whether existing policies still match your income, ownership, debt, and family risk.
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Clarify what could interrupt income, continuity, ownership, or family security before looking at any product.
Understand what each option does, what it does not do, and where the tradeoffs sit.
Work alongside accountants, lawyers, and lenders where the wider plan needs it.
Explain what prompted the review. No preparation needed — a 15-minute conversation is enough to start.
Separate real risk from assumption. What would actually happen if you couldn’t work for three months?
Get a practical recommendation or quote path. Clear next steps, not a stack of brochures.
Advice is framed around income, continuity, debt, staff, ownership, and the personal risks that sit behind the business.
BRC can work alongside accountants, lawyers, and lenders when the right outcome depends on more than an insurance policy.
The aim is to make decisions easier: what matters, what is optional, what the tradeoffs are, and what the next step should be.
BRC works across insurer options so recommendations can be shaped around the client's situation, not a single provider.
ACC can help after an accident, but it does not cover illness and may not match the income, debt, or business continuity risk you are carrying. A review looks at what would actually need funding if you could not work.
It is worth reviewing when revenue, debt, staff numbers, ownership, or personal commitments have changed. The goal is to make sure income, overheads, key people, and family security are not relying on old assumptions.
Shareholder protection usually connects a buy-sell agreement with funding, so ownership can transfer cleanly if a shareholder dies or becomes seriously ill. BRC can work alongside your lawyer and accountant where the structure needs wider advice.
Yes. BRC can help with insurance quote support for migrants and visitors, including ParentBoost, travel, retirement, and work visa insurance needs.
The review starts with what you already have in place, what has changed, and where your financial risk now sits. You will leave with a clearer view of what needs attention and what does not.