Insurance & protection
Business protection
Keep the business running — and the right people in control — if a key person dies or falls seriously ill.
Small businesses often depend on one or two people. Business protection provides money at exactly the moment it's needed: to replace lost profit, repay a business loan, or let the remaining owners buy out a share from a family.
We'll work with you and your accountant or solicitor to put the right cover, and the right agreements, in place.
Continuity
Cash to keep trading, recruit and reassure lenders and customers.
Control
Shareholder protection lets the remaining owners buy the shares, so control stays with the business.
Tax-efficient options
Some policies, such as relevant life cover, can be paid by the company — your accountant will confirm the treatment.
FAQs
Business questions
Who counts as a key person?
Anyone whose loss would seriously hurt profits — often a founder, a director with key client relationships, or someone with specialist skills.
Talk to an adviser
A free, no-obligation chat about where you are and where you'd like to be. We'll tell you honestly what's possible.