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And then there is ACC As accountants we deal with this topic regularly, herewith some options surrounding ACC. ACC covers for loss of income in case of an accident. The trick is “proving the loss of income”. For Sole Traders, Partners or those earning Shareholders Salaries, providing what was earned 12 months prior is not always immediately available. When your business is on a growth path, then proving “loss of earnings” is also tricky, despite your absence your team carries on and the business income does too. If not on salaries and wages, set up ACC CoverplusXtra (ACC/CPX). It’s an agreed value policy and ACC will pay out 80% of
this without having to prove earnings to date. For those in the construction trade with high ACC rates, paying shareholder salaries to the builder and their partner doing the accounts, ACC is charged at the high rate for both, despite the fact that the accounts person is not exposed to the construction risk. With ACC/CPX the bill is in your own name, for your own risk factor. This gives scope to reduce the cover for the partner, whose income is actually reliant on the building work and increase it for the actual “breadwinner”. Warning – don’t be tempted to reduce
Virginia Stallard
the ACC cover down to the bare minimum, in case of accidental death the pay-out will also be down. We advise our clients to talk to us and to their insurance broker to ensure sufficient cover is in place for accidental risk and loss of income cover.
You’re smart. You know that your digital strategy is no-longer just about your website. You’re also savvy. You know that you need to consider other very important digital touch points when defining your customer journey – Websites | Digital Signage | Mobile Apps | Touch Screens.
At Labyrinth, we refer to this approach as an Omni-channel marketing strategy and it forms the underlying direction for all your future digital marketing directives. We tackle the complexities facing organisations and will deliver a total solution across all of these touch points for you. Our renowned, globally recognised Content Management platform ‘Contegro’ empowers your marketing team to centralise the content management across all your digital touch points. Empower your business to deliver a unified marketing and communication strategy for a superior customer experience.
Labyrinth Solutions - One Platform, Total Solution. 0800 WEBSITE www.website.co.nz MAY 2 0 1 6 F YI BUSINE SSN H . O RG. N Z
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