Season 3 | Episode 6 | Underinsured & Unprotected: What Women in Business Are Missing

Send us Fan MailHost Trudy Heins welcomes award-winning insurance specialist Trish Gregory of Hayes and Co Insurance Services to discuss why women often delay personal insurance and the risks of being underinsured, especially for business owners without sick pay, holiday pay, or work cover.Trish shares how her partner’s military injury and income protection shaped her focus on insurance, and explains common misconceptions such as relying on a higher-earning partner or default cover through super.Trudy and Trish outline a streamlined remote advice process, the importance of pre-assessment, and how exclusions and benefit periods (e.g., two-year income protection) can leave people exposed.The episode distinguishes personal versus business insurance, including key person cover, business expenses insurance, and buy-sell agreements, and emphasises niching, support networks, and valuing women’s unpaid and paid contributions.Click here to join the Academy and use the code RISING for 25% off!Click here to register for our next FEMPIRE Masterclass for practical strategies to gain clarity and take focused action in your business 00:00 Women’s Hidden Value00:46 Podcast Season Intro01:34 Meet Trish Gregory03:35 Why Insurance Matters05:09 Niching Into Insurance07:55 Why Women Delay Cover10:08 Making Insurance Simple14:24 Insurance for Business Owners16:49 Key Person and Buy Sell18:45 Super vs Business Cover21:20 When It All Goes Wrong22:16 When Benefits Run Out23:12 Two Year Cover Trap24:45 Where to Start Today27:27 Why Specialist Advice Matters28:58 Exclusions and How to Remove Them30:00 Building Sustainable Businesses31:50 Common Owner Mistakes34:03 Niching for Impact35:08 Optimism for Women Ahead37:55 Final Push to Get Insured38:57 Closing and Call to ActionVisit Our Website  Follow Us on Facebook Connect with TrishSupport the show