Your major supplier could go broke, or a client could fail to pay a significant invoice. In life, a marriage breakdown could create upheaval, or someone may hurt themselves on your property and decide that you’re responsible for their medical expenses. Or, your business may be hit with unexpected lawsuits – there could even be a fall out with a business partner.

No insurance can cover every possible scenario, and you may not know which insurances are needed to protect against the unique risks you face.

All of these issues can be handled to a large extent by good planning. Asset protection and tax optimisation are different sides of the same coin, and have to be planned-for together.