Business Insurance

The current environment within which businesses operate has become so complex and, in the process, exposing businesses to risks from so many areas and angles that to have no insurance as a business in imprudent. The risks that the business is exposed to can range from benign to some very huge and complex risks which if were to occur, could mean the end for the business. To name but a few the risks could be losses from theft, accidental damage or breakage, business interruption, liability to clients or other parties, legal liability and the list could go on. The claim amounts on these losses could range from insignificant to catastrophic and the impact on the business will be proportionate to the risk. It is very important for a company to seek the advice of an insurance expert to assess the risks the business is exposed to and also offer the suitable recommendation to mitigate the risks identified.

Group Risk

The employment market has become so competitive and companies now have to offer their top talent competitive benefits over and above their salaries in order to retain them. This not only helps retaining the employees but benefits their wellbeing since some of these offerings include financial, health and wellness benefits. Some of the key and basic benefits a company can offer its employees are Group Risk benefits, these include but are not limited to death cover, disability cover (lump sum), income replacement cover, critical illness cover, funeral cover (in some cases including extended family) and so on. How much cover to offer the employee is usually determined by the level of the position within the company and the benefits will start low for entry level positions to high for executive level positions. It is in your best interest as an employer to look at this part of your business, get a financial advisor to assess and implement solutions that will be suitable for you and your organisation.

Employee Benefits

A vital component in attracting and retaining top talent in a fiercely competitive environment where salaries alone may not be enough, Employee Benefits demonstrate your commitment to investing in your employees’ futures, fostering a workforce dedicated to the success of your business. Trust our dedicated team to tailor solutions that meet the unique needs of your company and its valued members. Give your employees the incentive to stay for the long run.

Savings & Investments

As a business you may want to save or invest for a couple of reasons, either you have money on which you wish to earn interest in the market while it sits waiting to be appropriated to projects, or you may be looking to set up investment funds for your employees in order to attract the best talent in the market. We are well aware that in today’s labour market, in order to attract the best talent, you need to offer more than just a salary. Group benefits such as pension and provident funds or group retirement annuities for smaller businesses are a way of providing some post work financial security for your employees and a lot of people join companies looking for such benefits. At Litmus Investment Group, our financial advisors can help you choose the right product for your company in order to invest correctly. We specialise in the following products: Contingency funds, Group retirement annuities (small business), Pension & provident funds and many more.