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Business Disability Insurance

Talk to an Adviser about Business Disability Insurance. They can:

Find the best products for your budget and needs

Provide customised advice and keep your insurance up-to-date

Offer a range of products from different insurers, as they are not Asteron Life employees

What is Business Disability Insurance?

Business Disability Insurance is designed to inject cash into your business in the event that you as the owner, or one of your key employees, need to take time off work due to illness or injury.  It’s paid monthly.

Most people use Business Disability Insurance for:

  • Hiring a contractor to cover the work that they would normally be doing
  • Supplementing some of their lost business revenue


Business Disability Insurance benefits

Monthly benefit

This is to help you run the business if you are injured or ill and unable to work

Recurrent disability

Restarts your benefit immediately if you suffer the same disability within 12 months

Payment while overseas

You’ll get this if you’re disabled while out of the country

Inflation adjustment

Each year your sum insured can be increased without the need for further medical or financial underwriting

Optional benefits you can choose to include:
Other types of cover

You should also check out Business Expenses Insurance, which can help cover those ongoing costs of staying in business, if you’re unable to work.


Talking to an adviser will help you focus on what’s important to you, and it's even more effective with a little preparation.

Use our handy LifeSnap tool to prepare for your conversation with an adviser so you don't have to think on your feet!

Ready to speak to an adviser?

If you would like to know more about Business Disability Insurance we can put you in touch with an adviser who can explain the different options available.

Speak to an Adviser

Frequently asked questions

How long would this cover continue to pay out for?

It’s your call. Choose between 6 months or 12 months and for some business situations you can have up to 2 years. There are also circumstances that will allow you to make repeat claims for these periods if you’ve returned to work for a certain period of time after receiving a benefit.

What can it be used for?

It can be used for a cash injection into your business if you or one of your key employees need to take time off because of a covered illness or injury. It can be used to hire a contractor, or supplement any lost business revenue because of your illness.

Disclaimer: The information provided above is for general information only, it is not financial advice or personalised to your situation. If you would like advice that takes account of your particular situation, please contact your financial adviser. Full details of policy terms and conditions are available from Asteron Life Limited or your financial adviser. Terms, conditions, exclusions and limits apply. If there are differences between the information provided here and the policy document, then the policy document will prevail. Asteron Life Limited and its related companies do not accept any liability in connection with the information provided.