Legal documents that match your client’s cover.
You recommend the cover and who owns each policy. We prepare the agreements, Wills and leases that need to work with that cover, and we check with you before changing anything.
Two co-owners fund a buy-sell agreement
An example of how it works when you refer clients to us.
Your referral
You email us the cover you recommended and who owns each policy, with the owners’ permission. We let you know we have it and check we have no conflict of interest.
First call
The lawyer handling the matter calls both owners. We explain who we act for, send the scope of work and our fixed fee in writing, and verify their identities.
The draft
The draft agreement goes to the owners and, with their consent, to you and their accountant. It covers the trigger events, such as death, total and permanent disability, trauma and retirement, the valuation method, and how the insurance money pays for each owner’s share. Insurance questions come to you. Tax questions go to the accountant.
Signing
The owners sign. We send you the signed agreement so you can check the policy ownership and sums insured against it.
Each year
The cover should keep pace with the value of the business. If the cover or the shareholdings change, we review the agreement.
How we work with you
01 Drafted to match the cover
If the policy ownership and the agreement do not line up, we raise it with you and the owners before anyone signs.
02 Your client stays yours
We do not recommend insurers, give insurance advice or arrange cover.
03 Copied in at milestones
With your client’s consent, we tell you when we are engaged, when drafts go out and when documents are signed.
04 Fee before work
A fixed fee in writing before we start.
05 Clear about who we act for
When co-owners sign one agreement, we explain at the start who we act for and when someone should get their own advice.
The work you send us
Co-owners and buy-sell agreements
Insurance-funded buy-sell agreements that sit alongside the shareholder or unitholder agreement.
Key person cover
Shareholder agreement terms that say who receives the money and what it is for.
An estate plan around the policies
Super death benefits are paid under the fund’s rules and any valid binding nomination, not the Will. We draft Wills and enduring powers of attorney that line up with the nominations and policy beneficiaries you have set up.
Leases and contracts
Leases and contracts set out who must insure what.
- Insurance clauses in commercial and retail leases, including insurance passed on as outgoings
- Indemnity and insurance clauses in commercial contracts
- Advice to guarantors
Buying or selling property
Your client’s cover needs to start at the right time.
- When the buyer’s risk starts under the contract
- What a seller of owner-builder work must give the buyer
Who does what
You advise on the cover and keep the client relationship. We prepare the legal documents.
| Work | Who |
|---|---|
| Cover type, sums insured and insurer | You |
| Policy ownership structure | You, with the accountant on tax |
| Business valuation and tax on a transfer | Accountant |
| Buy-sell agreement and shareholder agreement | W Legal |
| Binding nomination form | Client, with the fund and you |
| A Will that lines up with the nominations | W Legal |
| Insurance and indemnity clauses in leases and contracts | W Legal |
| Placing the cover those clauses require | You |
Referrals and compliance
Advisers and brokers already have to manage and disclose conflicts of interest, and life risk advisers need their client’s informed consent before taking a commission. Talk to us about how a referral fits with your own disclosure obligations.
Since 1 July 2026, lawyers who set up companies and trusts, or act on business and property sales, have anti-money laundering obligations for that work. Where that applies, we verify your client’s identity.
Common questions
Do you give insurance advice?
No. Questions about cover, insurers or sums insured come back to you.
Who is your client when two owners sign one agreement?
We tell both owners at the start, in writing, and say when one of them should get separate advice.
Can you work with cover already in place?
Yes. With your client’s consent, send us the policy schedules and we draft the agreement to match who owns each policy.
Does a Will cover life insurance and super?
Often not. Super is paid under the fund’s rules and any valid binding nomination. A policy held outside super with a nominated beneficiary is usually paid under the policy’s terms. We draft the Will around both.
When should a buyer insure the property?
Common Victorian contracts leave the risk with the seller until settlement, and until the buyer is entitled to possession the law lets them benefit from the seller’s insurance. Contracts vary, so we tell your client in writing when the risk passes under theirs.
What your clients get
Their own lawyer
One lawyer looks after the matter from start to finish, with a dedicated support team behind them.
Transparent fees
Your client knows what the work will cost before it starts. No surprises.
Experience
We have been helping Australians since 2011, so we have seen most problems before and know how to fix them.
How referrals work
1. Introduce your client
Call or email us with your client’s name and what they need, with their permission, or ask them to contact us.
2. We contact your client
We explain what is involved and confirm the scope and fee with your client directly.
3. You stay in the loop
With your client’s consent, we let you know when the key milestones are reached.
A few words from our clients
Read all 526 reviews on Google“The best in business! We received full support and transparency from start to finish. Mavis, Sarah and the whole team from W Legal thank you for your support! Super highly recommended”
“Very professional and helpful will definitely be using them again”
“Mavis was nothing short of brilliant. She is articulate, precise and knows exactly what she is talking about. We felt in very safe hands with her advice and knowledge. Everything went smoothly with the sale of our place - we would recommend her highly to anyone looking for a strong lawyer who knows her stuff.”
“Very happy with the prompt accurate information and financial transactions from W Legal. Will be using their services again for sure.”