Corporate Insurance
Protection for Your Team
Group life, keyman and accident cover for your employees and your business. Crux designs the mix and looks after it every year.
Which corporate cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | Group life | Group accident | Keyman |
|---|---|---|---|
| Protects your employees | |||
| Pays out on death | Accidental death | ||
| Covers injury and disability | |||
| Pays the company, not a family | |||
| Protects the business if a key person is lost |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your corporate cover ?
Group life insurance
One policy covers your employees. If an employee dies, their beneficiaries receive the benefit you set.
Keyman insurance
Protects the business if a founder or a critical executive dies. The proceeds go to the company, to cover losses, find a replacement or settle debts.
Fringe benefit insurance
Health, accident or education benefits offered on top of salary. Ask your accountant how they are treated for tax.
Group personal accident
Covers accidental death, disability and accident medical costs for employees, and matters most where the work is physical.
Group HMO
Everyday medical care for your team. Read our HMO page for what it covers and what it does not.
Joiners, leavers and renewals
People come and go. We handle the changes and the yearly renewal, so the benefit stays accurate.
Three reasons to protect your team
A benefit that protects people helps them stay, and shows that you look after them.
Losing a founder or a senior manager affects income, customers and debts all at once.
Crux designs the mix, handles enrolment and claims and renews the plan every year.
If a claim is needed
A claim involves an employee and their family. These steps keep it clear for everyone, and Crux stays involved.
Designed once, looked after every year
Crux assesses your company, designs the mix, handles enrolment and renewals, and stays with you and your team when a claim is needed.
First step
Tell your advisor
HR or the owner messages Crux, and we explain what happens next and what the insurer will ask for.
Second step
Gather the documents
We tell you exactly which documents the insurer needs for the employee and the plan, so nothing is missing.
Third step
Follow the claim together
We help submit the claim and follow it with you and the employee’s family until the decision.
Consult our recommended guides
Short, plain answers to the questions employers ask before they buy.
- Read the guide
HMO insurance
What HMO covers for a team, and what it does not.
- Read the guide
Personal accident
A benefit for injury and disability, for one person or a whole team.
- Read the guide
Property and fire
Cover for premises, equipment and stock.
- Read the guide
HMO coverage rates
How HMO coverage is structured.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Group cover protects your team, within the terms of the plan. It usually does not include:
- Staff who are not enrolled, or people outside the group.
- Benefits above the plan limits.
- Conditions that the group terms exclude or place under a waiting period.
- Deliberate acts and other standard exclusions.
- Anything the plan does not name, which is why the terms matter.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about company cover.
One plan covers a whole team, usually with simpler terms than buying for each person. The benefits depend on the plan you choose.
Some plans allow it, often at extra cost. Ask an advisor for the options.
The plan is reviewed each year and the terms can change. An advisor can help you compare before you renew.
Cover on the life or health of someone the business depends on, so the company can manage the loss.
Health and life benefits are among the perks people value most, and they can be part of a benefits package.
Book a free consultation. An advisor asks about your team and goals, and shows the options.
Corporate insurance
Protect the people who run your business.
Tell a licensed advisor the size of your team and the kind of work you do, and they will show which cover to look at first.