The Project Still Needs to Get Finished

A development doesn't stop because you become seriously ill or injured.

The lender still needs to be paid. Contractors still need decisions. Settlements still need to occur. Joint venture partners still have capital at risk.

And the project may still need you.

For many developers, the financial exposure extends well beyond the development itself.

You may have personal guarantees supporting project finance, equity tied up across multiple developments, loans between entities or personal assets supporting business borrowing.

Then there is the next project.

Your family may be relying on profits from developments that haven't yet been completed — or wealth that exists on paper but isn't necessarily sitting in cash.

If something happens to you, where does the liquidity come from?

A profitable development portfolio doesn't necessarily mean your family or business has access to cash when it's needed most.

And where developments involve business partners or joint ventures, another question arises:

What happens to your interest in the project if you're no longer there to complete it?

Without planning, one personal event can create problems across project finance, debt, guarantees, ownership, cash flow and your family's financial position.

Twenty20 Risk Navigators helps identify where a personal event could create a financial problem across your development activities and personal position.

We then help determine which risks you can retain and which may make sense to transfer through insurance.

Your strategy may consider:

Protecting You & Your Family

Life Insurance • Total & Permanent Disability • Trauma / Critical Illness • Income Protection

Helping create personal liquidity if illness, injury or death interrupts your ability to generate income or complete future projects.

Protecting Debt & Guarantees

Development and business lending can involve significant debt and personal guarantees.

Insurance can potentially provide capital to reduce debt or other financial obligations if something happens to a key borrower or guarantor.

The objective is simple:

Don't leave your family with the risk while someone else holds the security.

Protecting Business & Project Partners

Key Person Insurance • Business Succession • Buy/Sell Funding

If you develop property with other shareholders or business partners, consideration should be given to what happens to your ownership and financial interests if you die or become permanently disabled.

A properly structured strategy can help provide funding rather than leaving your family and business partners to negotiate ownership and value during an already difficult time.

Property developers understand that risk changes throughout a project.

Your insurance strategy should recognise that too.

When leverage is high, projects are underway, personal guarantees are significant and family wealth is concentrated in developments, your financial exposure may be substantial.

But that doesn't mean you need the same level of insurance forever.

Projects settle. Debt reduces. Guarantees are released. Profits are realised. Personal assets accumulate. Your portfolio evolves.

The protection strategy should evolve with it.

At Twenty20 Risk Navigators, we believe there should be a strategy for putting insurance in place when the exposure exists — and an eventual strategy for reducing it when you have built enough wealth and liquidity to carry more of the risk yourself.

And because insurance is only one part of a developer's financial world, we can work alongside your accountant, lawyer, finance broker and other advisers.

Through our Professional Partner Network, we can also connect you with specialists across wealth advice, estate planning, accounting, general insurance, property and finance where required.

Our job isn't to insure every dollar or every risk.

It's to understand:

What happens to the current project if you're not there?

What happens to the debt and personal guarantees?

What happens to your interest in the development?

And what does your family actually receive when everything is unwound?

Then we help you build a strategy around the risks that matter.

You focus on getting the project out of the ground.

We'll help protect what you've put on the line to make it happen.

[Book an Initial Conversation]

Twenty20 Risk Navigators
Navigate the risk. Protect what you're building.