As a small or medium-sized business owner, you’re responsible for the livelihoods of your own family as well as your employees. That’s a big responsibility.

So, what do you do if something goes wrong and your income is reduced or stops altogether?

It’s essential to manage this risk to protect yourself and your employees. As well as taking a proactive approach to risk management in your business, insurance is vital.

Here at The Advisers we are all about getting behind great causes and we think raising awareness for children who are living in poverty as something important to support. We have sponsored Team "PeeWee" who are partaking in this year’s Pork Pie Charity run with all donations going to KidsCan. Teams will partake in driving their Mini from Kaitaia to Invercargill in just over six days and travelling a massive 2,500km!

We think this is a great cause and if you do too, feel free to donate Team PeeWee and KidsCan.

Every business has its tools of the trade. Whether you’re a carpenter, plumber, or tiler with a ute and a toolbox on the back, or a sales rep, retailer, or accountant with a laptop and a mobile phone, your tools are nothing less than essential.

Sometimes, you don’t even realise just how crucial these tools are until you’re without them.

Merry Christmas from everyone at The Advisers. We hope your holidays will be filled with joy and laughter through the New Year.

Our office will close at 5.00pm Friday the 21st of December and open from 8.30am to 12.30pm on the 3rd and 4th of January. We are back to normal hours 8.30am till 5.00pm from the 7th of January.

If you have anything urgent during our break, please contact your Adviser:

Nic Tyson:                 027 469 5696

Jacinda Doell:          027 435 3809

Why you should never leave home without it

As the festive season fast approaches, many New Zealanders are planning to go on holiday. Whether you’re headed overseas or you’re taking a break closer to home, travel insurance should be the first thing you pack.
We get it - no one wants to think about what could go wrong on their holiday. So they often book all their flights and accommodation, then set off without giving travel insurance a second thought. This is actually counterintuitive because travel insurance is what actually gives you peace of mind.

Increased Fire Service Tax on Insurance Policies

In New Zealand the firefighting services are funded by a tax called the Fire Service Levy.  This tax is added to the insurance premiums for personal and commercial property, motor vehicles, contract works and other insurance policies.

What a great weekend at the Taranaki Home & Lifestyle Expo
The lucky winner of the gift basket is Joanna Means.
Well done Joanna.  Don't eat it all at once!

Jacinda Doell

Health Insurance

Four reasons to have health insurance:

1.       Greater choice

          Choose when, where, how and by whom you get treated, in consultation with your doctor.

2.       Quicker treatment

          Avoid long delays waiting for treatment in the public health system.

3.       Greater certainty

          Cover now, for many unknown health issues that may arise later

4.       Latest medical procedures