Business Continuity Insurance
Business continuity insurance protects your cash flow and operational capacity when your business is disrupted. It ensures that a loss event does not become a permanent failure by providing the financial resources to keep operating while you recover.
Business continuity insurance
Keeping your business financially viable through disruption
Physical insurance covers the cost of replacing damaged assets. Business continuity insurance covers the financial consequences of the disruption itself — the lost revenue, the ongoing fixed costs, and the additional expenses incurred to maintain operations. Both are necessary.
What would happen to your business cash flow if you could not operate at full capacity for three months? Could you continue to meet your payroll, service your debts, and retain your clients? For most businesses, a sustained disruption without financial cover would be catastrophic.
Business continuity cover is designed to replace the gross profit your business loses during a period of disruption and to cover the additional costs you incur to minimise that disruption. It works alongside your physical insurance to provide comprehensive financial protection.
What's Included
The most common triggers in New Zealand include natural disasters, fire, and the loss of key personnel. We help you assess the specific risks your business faces and structure cover that is genuinely appropriate for your situation.
We assess your revenue, your fixed costs, and your recovery time objective to recommend business continuity cover that provides real protection without over-insuring.
Revenue loss and gross profit cover
Cover for the gross profit your business loses during a period of disruption — calculated based on your revenue, your variable costs, and your expected recovery period.
Increased costs of working cover
Cover for the additional expenses you incur to maintain operations during a disruption — such as temporary premises, additional labour, or expedited supply arrangements.
Maximum indemnity period selection
The indemnity period determines how long your cover continues after a loss event. We help you select a period that reflects your realistic recovery timeline.
Integration with your physical insurance
Business continuity cover works alongside your material damage insurance. We make sure both policies are structured consistently so there are no gaps between them at claims time.
What people say about Collaborative Consulting
“I got to know John whilst working with him in developing his company’s brand principles to strengthen the emotional connectedness with his clients. During this period, I gained a deep understanding of John’s ethics and strong desire to help people both through the good times and the bad times.
His strongest desire is to make a tangible difference for his clients and future generations of their family. John has a strong sense of family, he believes strongly in wanting to contribute back to the community.
I can honestly say I have not met a financial adviser where money is not the financial driver for him, it’s much more personal, it’s about making a difference. I’d recommend anyone who wants certainty in their financial investments talk to John.”
Michael Major BA (Hons) MDM
Property Development Consultant, Future Proofing Strategist
“John is the consummate professional in the Financial Planning and Investment sector. He has walked the talk, having successfully grown and lead businesses to achieve dramatic results. Through it all, he has helped people reach their personal and professional goals and engages with them comprehensively to ensure they achieve what they need to.
There’s no nonsense with John – if you want to succeed, he will help you do it and in doing so, you will meet and be assisted by one of the nicest and most professional people I know, who also lives by a set of principles steeped in integrity. A hard thing to find these days!
I strongly recommend you contact John and get to know him. You won’t regret it.”
Warren Cummins
Managing Director, Dale Carnegie Auckland and BRS Management
“Choosing someone to look after your money is an important decision especially if you are like me and have no idea about investments.
When I left my marriage I had money from the sale of the house. As I was now on my own financially I understood that I needed to ensure that not only was my money going to be safe but would also be working for my future.
I met with a few financial advisers but none of them really instilled me with confidence. I was feeling a bit lost and frightened about making the wrong decision.
Pam Martin
Arbonne Independent Consultant
“We are all specialists in our own area of business. We love referring our clients to an equally dedicated specialist, John Milner of Collaborative Consulting Ltd.
John has been able to help our clients leverage and re-invest their hard-won gains, made both personally, and in business. John has been working in his area of Investment Expertise for a long- time, so has ridden all of those waves in the marketplace. He is committed to helping clients mitigate their investment risk, and in these days and times, his level-head and thorough but relatable approach to Investment are exactly what we all need.
He makes investing simple, effective and takes the worry away.”
James Kelso
CPA, Director, Kelso Marsh Consulting Ltd
“I have known for some time now as part of my business networking group. From the start I have been impressed by John’s professionalism and his knowledge base. John takes what he does seriously and is quite clearly very dedicated to serving his clients well.
I have no trouble recommending him to anyone in need of sound financial advice.”
Rory Laubscher
Corporate Photography Specialist Firefly Photography
Our Process
When you work with us, we use our proven 3-step system. By understanding your situation and the goals you want to achieve, we work out a unique plan to help you get there smoothly.
Business continuity cover that keeps your business financially viable
Years of experience helping New Zealand businesses protect their financial continuity through well-structured insurance.
A business that is not financially protected against disruption is one major event away from permanent closure. Business continuity insurance is the financial backstop that ensures a setback remains a setback rather than becoming the end.
Frequently Asked Questions
Have a question about business continuity insurance? Get in touch — we are happy to help.
What does business continuity insurance actually cover?
It covers the gross profit your business loses during a period of disruption and the additional costs you incur to minimise that disruption. It does not cover the physical damage itself — that is covered by your material damage policy.
What events trigger a business continuity claim?
A claim is typically triggered by a physical damage event — such as fire, flood, or storm — that prevents your business from operating normally. Some policies also cover non-damage triggers such as the loss of a key person.
How long should my indemnity period be?
The indemnity period should reflect your realistic recovery timeline. For most businesses, this is twelve to twenty-four months. Underestimating this period is one of the most common and costly business continuity insurance mistakes.
How is the sum insured calculated for business continuity?
The sum insured is typically based on your annual gross profit — your revenue minus your variable costs. We calculate this carefully to make sure your cover is adequate.
Does business continuity insurance cover the loss of a key person?
Standard business continuity insurance covers disruptions caused by physical damage events. Key person insurance specifically covers the financial impact of losing a key individual. Both may be relevant for your business.
Can small businesses afford business continuity insurance?
Business continuity insurance is scalable and can be structured to suit businesses of all sizes. The cost is often modest relative to the financial exposure it covers. We help you find cover that provides genuine protection at a price that makes sense.
Do you work with businesses across New Zealand?
Yes. We advise businesses throughout New Zealand on business continuity insurance via video call and phone.
Related insurance and financial protection services
With Collaborative Consulting by your side, we can help across a broad range of protection and financial planning needs.
Protect your business against the financial impact of losing a key contributor — covering revenue loss and ongoing obligations.
Ensure your business debts are covered if a disruption prevents you from servicing them — protecting the business from lender action.
Fund the buyout of a deceased or disabled shareholder — ensuring ownership transitions do not add financial strain to an already disrupted business.