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Business continuity

As a business owner, you may be concerned about your business being able to continue to pay its fixed expenses if you or one of the other business owners becomes sick or injured.

Business Overheads Assured cover pays a monthly benefit for the day to day costs of running a business for up to 12 months if the insured person is disabled because of sickness or injury and is unable to work in the business at their full capacity. It could mean the difference between the business surviving or collapsing.

A Business Overheads Assured policy can help you to pay certain business expenses, such as:1

  • accountants' and auditors' fees
  • advertising costs
  • cleaning, electricity, gas, heating, laundry, telephone and water
  • leasing costs of equipment and vehicles
  • mortgage interest payments
  • property rates and taxes
  • rent
  • salaries of non income producing employees
  • subscriptions to professional bodies and publications
  • net costs of employing a locum after the insured person becomes totally disabled.


Case study2

David runs a successful business as an architect. Unfortunately, last year David had a serious car accident and he broke his right collar bone and arm, rendering him unable to work. His duties within the business were the hands on production of drawings and documents for construction plans, physical site inspections and driving to councils, sites and clients.

David's business has a high turnover of revenue, and his outgoings are also high. Following David's injury, the income his business received reduced dramatically and his company started running at a loss. Fortunately his business was able to survive, mainly due to David and his team's dedication and because David was able to claim on his Business Overheads Assured Policy.

Outcome: The proceeds from David's claim helped him to pay for a locum architect to keep things running whilst he recovered. His clients continued to be serviced through his company, maintaining his professional status.

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Westpac and BT – we’re here to help

As part of our Group and one of Australia’s leading wealth experts, BT has been helping Australians build and protect their wealth since 1969.


Through BT, you can access a range of solutions across super, investments and insurance, to help you plan for today and tomorrow. 

Things you should know

1. Please refer to the BT Protection Plans Disclosure Statement (‘PDS’) for the full list of allowable business expenses.

2. For illustrative purposes only. The above case study demonstrates how BT Protection Plans may be able to aid you in times of need. Your financial planner will be able to assist you in determining the appropriate cover for your business.


A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who does not guarantee the insurance. 

This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Read the BT Protection Plans Disclosure Statement (PDS) to see if this insurance is right for you.