Keeps paying your business's fixed costs — rent, salaries, loan repayments — if you're disabled and unable to run it yourself.
Covers rent, utilities, staff salaries and loan repayments while you recover.
Especially valuable where the business has no one else able to keep it running.
Monthly payouts can start from as little as 30 days after a qualifying disability.
| Cover feature | Detail |
|---|---|
| Monthly benefit basis | Actual verified fixed business costs |
| Waiting period options | 30, 60 or 90 days |
| Benefit payment period | 12 to 24 months |
| Proof required | Business financial statements at claim stage |
| Reviewable | Annually, as fixed costs change |
Rent, utilities, staff salaries, loan repayments, insurance premiums and other costs that continue regardless of trading — not stock or variable costs.
Income Protection replaces your personal income; this covers your business's fixed costs so the business itself survives while you recover.
They serve different purposes — Key Person insures a specific employee's value to the business, while this specifically covers your fixed overheads if you personally can't work.
An adviser at Mzansi Advisors can help you calculate your true fixed monthly costs — at no extra cost.
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