Introduction

People make a business. So what becomes of your business without it's people?

How do I protect my business?

Many businesses buy insurance for buildings, fixtures and fittings, stock, vehicles and protect potential liabilities. But what would happen if the business lost a key employee?

Business Protection solutions could be what keeps a business going if the worst happens.

The most valuable asset to a business is its people and without them a company’s survival can be at serious risk. We’ve made a commitment to protect and support UK Small Businesses through our range of Business Protection options; Key Person Cover, Share & Partnership Protection and Relevant Life Cover, simplified tools and literature and being there for you when it’s needed most.

Business Protection will help you maximise the opportunities and our experienced team are here to help.

Key person and Share and Partnership cover can include Life insurance or Life insurance with Critical illness cover with terminal illness cover.

Ownership

If a partner or shareholder dies or is diagnosed with a critical illness, the proceeds help the remaining owners buy the affected individual’s share of the business. Without protection, the surviving owners could lose control of the business, impacting on-going success.

Profit

If a business loses a key person who influences revenue, the policy gives the company a cash injection, helping replace lost profits and possibly recruit a replacement.

Debt

If the business loses a key person, the money paid by the policy can be used to clear loans or other debt. Without a cash injection, investors and creditors (like the bank) may call in debts as they’re no longer confident the business can keep on top of them.

Relevant Life cover is often referred to as a type of Business Protection and is a tax-efficient life insurance policy, allowing companies to offer death-in-service benefits to their staff.

Meet the experts

You'll find our team dotted across the South West, experts in everything from tax to technology. We build long-lasting relationships with our clients, drawing on our insights and experience.

You'll find our team dotted across the South West, experts in everything from tax to technology. We build long-lasting relationships with our clients, drawing on our insights and experience.

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Did you know

We can also support you with your personal needs

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