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Risk management

Christchurch earthquake: advice for employers

In the days following the earthquake, many Christchurch business owners will be coming to terms with what remains of their business and have questions. This article answers some of the more common questions that may arise.

How to stop customers delaying payment

Good terms of trade are all too uncommon in the small business sector, but they can make the difference between whether you get paid in a timely fashion or not. Sue Hirst has some practical advice to help you tailor effective terms of trade for your business
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Are you protecting your most valuable asset?

Your ability to earn an income may well be the most valuable you have. Mark Jory suggests all self-employed people should look carefully at their options to secure it.

Negotiating a guarantee agreement

Providing a guarantee to a lender or creditor, whether for your own business or on behalf of someone else, can be riskier than you realise. Michael Smyth shows you how to limit that risk by negotiating appropriate terms.

How to structure your business to protect your intellectual property

Often the value of your business can be proundly influenced by the way it is structured. Michael Smyth points out why sometimes it makes sense for IP to be held by a separate entity.

Manage your life insurance costs

With life insurance premiums set to rise at the end of the month, Mark Jory suggests it might be time to take a closer look at the cover you need

ACC for self employed people

If you’re self employed, your personal injury cover is one of the most important business assets you will have and there are options available to you, says ACC

Can your business survive without the right insurance?

Emily is 34, a mother of two gorgeous little boys and she owns a travel business based at home. Business is blossoming in the last year and Emily is really enjoying working from home and having the flexibility of spending quality time with her family, but unfortunately last month she was diagnosed with breast cancer and she had no choice but to stop her business…