Buy/Sell Insurance
Buy/Sell Insurance for Business Partnership Protection
Explore cover options designed to help provide funds for buying out a partner’s share and maintaining business continuity. Talk to a business insurance expert today on 03 9191 8808
Protecting business ownership if the unexpected happens
Buy/Sell insurance secures funds for remaining partners to buy out a co-owner in the event of permanent disability or loss of life. It helps ensure the departing owner’s family receives fair value, while easing financial pressure on the business.
When structured correctly, Buy/Sell insurance supports ownership changes, provides certainty for all parties, and reduces financial strain on remaining owners. While we hope you never need to rely on it, Buy/Sell insurance is an important consideration for businesses with multiple owners.
How we structure Buy/Sell insurance
How our process works
1. Discovery & risk identification
We take the time to understand your business structure, ownership arrangements, and relationships between partners. This helps identify risks to ownership and continuity if a partner is unable to continue in the business.
2. Strategy & implementation
We provide clear, tailored advice on Buy/Sell insurance to support a smooth transfer of ownership in the event of the unexpected. We manage the application process on your behalf from start to finish.
3. Ongoing review & support
As your business or ownership arrangements change, we review your cover to ensure it remains appropriate and aligned with your succession plans.
buy/sell insurance
Panorama Financial Services specialises in buy/sell insurance, helping business owners protect ownership and plan for the unexpected.
We work closely with you to put clear, effective buy/sell agreements in place, supported by the right insurance, so ownership can be transferred smoothly if a partner passes away or becomes permanently disabled.
With more than 40 years of industry experience, we are trusted by businesses nationwide to act as both guardians and advocates at every stage of the process. From structuring and reviewing your buy/sell strategy to managing the insurance and supporting you through the claims process, we provide guidance when it matters most. Our client-first approach ensures your company remains stable, while your family and business partners are protected, supported, and given certainty from the moment your policy is approved and beyond.
Meet the team
With over 40 years of combined experience, our industry-recognised professionals are here to ensure financial security and peace of mind for families, individuals and businesses.
Mark Crowe
Director
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Thuy Nguyen
Adviser
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Liana Bui
Service Manager
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Testimonials
Life is too short to be caught up in the paperwork. Let us help!
We’ll bring the conversation to you if you if you would prefer to meet you online. Let’s start the conversation to get to know you, where are you at now and can we help you with your insurance and superannuation solutions.
Have more questions?
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.
Case studies
Our case studies show how practical, tailored advice helps navigate complex financial and insurance decisions in real-world situations.
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Our Insurance Partners
We do all the hard work, running around talking with these insurance partners to come up with the best deal for you.
We are big believers in giving back
We love team sport. It teaches you so much about life and in many ways prepares you for business. Learning about goal setting, working as a team, working with other people, how to handle success and how to handle failure. Some of the charities community groups we give back to:
Frequently asked questions
Explore the answers to some common questions about our Buy/Sell Insurance
Not quite. A buy/sell agreement is a legal document that outlines what should happen to a business owner’s share if they pass away or become permanently disabled. Buy/sell insurance is what puts the money in place so that the plan can be carried out. Without insurance in place, business partners may struggle to access the funds required to buy out a departing owner’s share. At Panorama, we ensure both the agreement and the insurance work together seamlessly.
It’s determined by an approach agreed by all owners and set out in the buy/sell agreement. This may be a fixed dollar amount, a figure linked to earnings, or an independent valuation prepared by a qualified accountant or business valuer. As the business evolves or ownership changes, we review the arrangement and adjust the insurance as needed to ensure the level of cover remains appropriate.
Without buy/sell insurance, there may be no clear plan in place if a business owner passes away or becomes permanently disabled. Remaining owners may need to find a large sum of money at short notice, take on debt, or negotiate with the departing owner’s family during an already difficult time. This can place financial strain on the business, create uncertainty, and disrupt day-to-day operations.
Buy/sell insurance helps avoid these challenges by ensuring funds are available when needed, allowing ownership changes to be managed smoothly and providing clarity and certainty for business partners and their families.
Absolutely. If you already have a buy/sell agreement in place but don’t have insurance to support it, we can help put the right cover in place so that you’re supported if something were to happen.
If you already have buy/sell insurance, we can review your current cover to check it still suits your business, ensure you’re not paying for more cover than you need, and confirm it continues to protect all owners as intended. As your business changes over time, we help make sure your cover keeps pace, so your agreement remains effective and your business stays protected.
Yes. We provide buy/sell insurance advice to business owners in Sydney and across Australia. Our approach is designed to work seamlessly regardless of location, allowing us to support clients nationwide. Whether you’re based in a major city or regional area, you’ll receive the same personalised advice, clear guidance, and ongoing support as your business evolves.
Book a time
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.