Business Protection
Safeguard the future of your business by protecting it against financial difficulties arising as a result of death or illness, ownership issues and the loss of key personnel.
Key Man Insurance
The policy insures the lives of key individuals for a capital sum commensurate with the estimated financial loss to the business in the event of the employee's death or serious illness.
Key person insurance is complex and should not be undertaken without taking professional advice as to the correct sums assured, the most suitable policies to use and the tax treatment of premiums and claims.
Commercial Loan Protection
Commercial Loan Protection is designed to help pay your financial commitments in the event of accident, sickness and unemployment.
Shareholder protection
The death of a major shareholder can drop like a bombshell into a company, with uncertainty about ownership and the future of the company. Those who inherit the shares may have no interest in the business – and the remaining shareholders may not have the financial wherewithal to buy them out.
Shareholder Protection provides a safety net to give stability and continuity to the company in the event of a key shareholder becoming seriously ill or dying.
Partnership Protection
Similarly, this policy provides a safety net to ensure that, in the event of a partner’s death, surviving partners have enough funds to buy out the interest in the business, or to compensate the deceased’s dependants.
Life Insurance
Life cover can help protect your business mortgage or provide a guarantee to business partners.
Critical illness cover
If you are diagnosed with one of the illnesses specified in this cover, the policy will pay out a lump sum to carry you through the difficult period, help you to take a recuperating holiday or pay for private healthcare. Not all companies give the same level of cover.
Income protection
If you are unable to work due to illness or injury, Income Protection Insurance will pay you a regular income which can help to cover your regular bills, including your mortgage.
Health Insurance
Minimise time off due to ill health with private health cover for you and your key employees. Avoid NHS waiting lists and get treatment fast in one of the UK’s high standard private hospitals.
Get regular health check-ups, get access to a doctor 24 hours a day – and get back to work with the minimum of disruption to the running of the company.
Professional Indemnity Insurance and Buildings Cover
We will refer you to the best insurance companies that will give you the cover you need.
Authorised and regulated by the Financial Services Authority
Please note that the Financial Services Authority does not regulate tax planning and advice.