Income Protection
& Key Person Cover

What would happen if you could no longer work, or if a key person in your business passed away?

Safeguarding Your Livelihood Through Life's Challenges

Your ability to earn an income is one of your most valuable assets. However, unexpected illness or injury can jeopardise your financial security. At Bay Insurance, we understand the importance of protecting your livelihood, so we offer Income Protection Cover – a safety net to ensure your financial well-being remains intact, even when life takes an unexpected turn.

What is Income Protection Cover?

Income Protection Cover is a form of insurance designed to replace a portion of your income if you are unable to work due to illness or injury. It provides you with a regular payment, typically a percentage of your pre-disability income, allowing you to meet your financial obligations and maintain your standard of living during your recovery period.

We Can Arrange Tailored Solutions For:

Replacement Income

Receive a regular payment if you cannot work due to illness or injury, ensuring that you can continue to meet your financial commitments, such as mortgage or rent payments, bills, and everyday expenses.

Flexibility

Unlike other forms of insurance that provide a lump sum payment, Income Protection Cover offers ongoing support for as long as you are unable to work or until the end of the benefit period, providing peace of mind throughout your recovery journey.

Tailored Coverage

Choose a benefit period and waiting period that aligns with your needs and budget. Whether you're looking for short-term coverage to bridge the gap until you return to work or long-term protection to provide financial security in the event of a career-ending disability, we have a solution for you.

Tax Benefits

Income Protection premiums are generally tax-deductible, making it a cost-effective way to protect your income and financial security.

Key Person Cover

We help reduce the impact of the loss of a key person within your business preventing loss of revenue or potential increase in costs.

Protecting What Matters To You, Matters To Us.

“You will have a dedicated team to take care of all of your insurance needs, who are available to review your circumstances and recommend appropriate life insurance solutions. Most importantly, you will have insurance experts in your corner representing you and managing any claim you may need to make.”

Kathryn Lemoto, Advisor

What Our Clients Say

Insurance policies can be complex. We understand that you may feel overwhelmed, and we want to create clarity to ensure you receive the best policy, that delivers on both coverage and value

    
 
 
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   Phil Strang 
 
 
 
  We have used Bay Insurance for several years now. Barry and his team have been professionals to deal with and have provided exceptional service attending to some claims we have had. On the back of recommendations to four or five friends, family, and associates, Barry has secured further business and reports back are that they, too, are very pleased with the service and value. Bay Insurance provide some unique wording in their policy's so as to provide better cover, and whilst premiums may not necessarily be cheaper, the cover and service experience offers better overall value for money.
  
 
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   Su-an McMahon 
 
 
 
  Been with Bay Insurance and Mark since moving to the BOP 16 years ago!! Never once been anything other than SUPER impressed.  Always so much care and consideration given to us and our business.  Always a pleasure team, always xxx
  
 
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   Sean O'Sullivan 
 
 
 
  Great business to deal with.
  
 
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   Andy Kennedy 
 
 
 
  Great service
  
 
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   N S 
 
 
 
  Awesome service always, specially Kate and Angela, they go out of their way to find all the info you need to also save you $$. Very easy to deal with .
  
 
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   Graham Jones 
 
 
 
  Very good . 10/10
  
 
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   Ian Sherwood 
 
 
 
  Good brokers to look after your insurance needs
  
 
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   Logan Rushton 
 
 
 
  Since moving to Tauranga in 2019 we have found Lydia and the team at Bay Insurance Brokers super helpful. They recently arranged moving some insurance papers with another Tauranga insurance company. I would not hesitate to recommend Bay Insurance Brokers to the community!