Risky Business Quiz
Take a minute to see if your business is exposed in any of these areas...
How did you receive this form?
Are you using the ACC 'Cover Plus Extra' or are you just on the std ACC 'Cover Plus'?
I'm on the Cover Plus Extra
I'm on the std Cover Plus package
I have no idea, I just pay my levy when I'm told...
When was the last time you reviewed your ACC Occupation Code to ensure you're not paying too much?
Within the last 24 months
Between 3 and 5 years ago
I've never checked, I just use the code they give me and hope for the best
Did you know that the ACC Cover Plus Extra allows you to seperate roles/risk categories for you and your staff? (So you're not all charged the higher risk rate)
Yep, I'm on it and got it all sorted
No, I didn't know that (Could be why my levy is so high?)
As the business owner, how much of your business revenue would drop if you couldn't go to work for 4 weeks or longer?
Wouldn't make any difference at all, I do light admin tasks that my staff or business partnerscould take care of.
It would only be a small inconvenience; maybe 20% drop in sales at worst
It would be a bit touch and go; I'm responsible for at least 50% of the sales or work done at my business
It would be a nightmare; I'm flat knacka' already so would struggle to get the work out and pay the bills
Is your business owned at a personal/family level or do you use a trust for creditor protection?
Everything has been reviewed by my accountant and lawyer; I use an appropriate Trust and Company structure to protect my assets and minimise my taxes
Yeah, I've been meaning to get that sorted. I know all about it but have been a bit slack so far...
I've got no idea what you're talking about! :) I hear that structural reviews are important but I don't work that closely with my accountant or lawyer...
Is your Spouse/ Life Partner listed as a Director in your company?
Yes - I was told to do this by my accountant and together, we've reviewed the risks of this decision
No - I was made aware of the risks of this and given it a wide berth...
Not really sure - my accountant or lawyer set it all up for me; I didn't really pay too much attention to be honest...
Is your Will (Estate Plans) up to date?
Yes - All sorted and accounted for.
Dooof! - I started this process but haven't signed everything off just yet (thanks for reminding me:)
No - I'm not sure how to go about it...
Are your existing business insurances owned by the business entity or you personally?
Definately all sorted - spent a lot of time discussing the application / taxation and liquidity of insurance proceeds with my existing advisors
I hope so, I left it to my existing adviser but not really sure to be honest
I don't know (I didn't think it mattered - I just want the company to pay up when it's needed!)
Are you open to having a quick chat on the phone to discuss your quiz results?
Absolutely (On the basis there's no cost to me) I'm happy to learn a bit more on the phone (Not ready to meet in person yet though)
No thanks, as you can see from my results - all sorted and no need - thanks anyway
Yeah but I'm really busy at present and don't want to be hounded or pressured - can you give me a call in about 3 weeks please?
Best phone number to get me on is...
Thanks for Your Time!
We'll be in touch shortly if you requested help. If not, all the very best and thanks again.
Send me a copy of my responses.
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