Protect your business

Shareholder Protection

To minimise disruption and mitigate risk to the future of your business, this policy allows business owners to buy shares back from co-shareholders on death or earlier diagnosis of a critical or terminal illness.

Relevant Life Cover

Provides valuable life cover for your employees and their families. This type of cover is particularly appealing to employees as it pays a tax-free lump sum on death or diagnosis of a terminal illness. It is also an allowable business expense, so neither employer or employee pay income tax or national insurance on premiums and as a business expense, corporation tax bills can be lowered when calculating tax liability.

Key Person Protection

Provides a tax-free lump sum to your business if someone vital to the running of your business dies or is diagnosed with a serious illness. Popular with many SMEs, where the loss of a single key person could have major consequences, this money provides funds to recruit a replacement or replace lost profits.

Business Loan Protection

If your business, like many others has taken a loan to start up or expand, the ability to repay often rests on a few key people. And it’s common for those loans to have personal guarantees. For peace of mind, business loan protection is an insurance policy that helps you pay an outstanding loan on the death or earlier critical illness of any of those key people.