Small Business Insurance

Protect your team

As a small business owner, you handpick a team of people who share your vision and work hard to make it happen. It's only natural that you want to protect and support those people who’ve helped you make your business what it is today.

In the past, small employers were often unable to access group insurance, making it harder and more expensive to provide this benefit for their employees. But now if you have more than 12-50 employees, MetLife can offer you cover that’s customised to suit your staff and your business.

While Life and Total Permanent Disability (TPD) insurance are often available to individuals through their super fund, you can provide extra security for your employees through income protection insurance, which offers a regular payment to your employees if they are unable to work due to illness or injury.

Protect your business and cash flow

If one of your employees is unable to work for a prolonged period due to illness or injury, they can receive an ongoing monthly income stream.

Cover that’s cost-effective

Insurance premiums can be less than 1% of your payroll – and are often tax deductible*.

Getting your staff back to work

We focus on early intervention, which can help your employees recover – and stay healthy when they get back to work.

Then if things go wrong, we’ll consult with medical and rehabilitation services to help your employee get on their feet again faster.

Attract and retain the best people

Employers who provide attractive benefits to their employees, such as comprehensive insurance cover, are more likely to attract and keep their staff

About MetLife Income Protection Insurance

Protection for what’s important

Your staff with be protected for injury, illness, permanent disability and death.

If they are unable to work due to illness or injury** they may receive up to 75% of their pre-disability income.

The power of the group

Group insurance means your staff may be automatically accepted for cover.

And because it’s for groups, group insurance is often cheaper than they could otherwise get as an individual.

Give employees the support they crave

We all want to feel supported – in fact, a recent study^ has shown that employees feel loyalty to employers who provide benefits to them.

Cover that suits their needs

We customize your insurance offering, so your employees can choose the cover that suits them.

We offer flexible waiting periods on income protection (from 30 days to 120 days) and benefit periods – from 2 to 5 years, or up to age 60 or 65 years.

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Protect your team

As a small business owner, you handpick a team of people who share your vision and work hard to make it happen. It's only natural that you want to protect and support those people who’ve helped you make your business what it is today.

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