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Business Protection Insurance

Many business owners put more planning into their personal and family lives than their businesses, leaving too many things to chance.

Have you thought of the consequences for your business if you or a fellow Director were to die or suffer a serious or long term illness? Who would take his or her place?

Can the business afford to compensate their family for the loss of income? How do you keep control of the shares? What do you do if an unwelcome family member decides to get involved?

What is Share Protection?

The loss of a business owner may destabilise a business and can quickly lead to financial difficulties. Share Protection allows the remaining partners, directors or members to remain in control of the business following the death of the business owner.

What is Key Person Protection?

When a key person in a business dies it can have a devastating financial effect. You can help safeguard your business against the death, terminal or critical illness of a key person with key person protection.

Put simply, Key Person Protection (also known as key man insurance or key person insurance) is a business insuring itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a specified critical illness if chosen, during the length of the policy. It also pays out if the key person is terminally ill and meet our definition, except in the last 12 months of the policy.

What is Business Loan Protection?

If your business has outstanding borrowings such as a loan, commercial mortgage or director loan account then Business Loan Protection could help you.

Business Loan Protection helps businesses pay an outstanding overdraft, loan or commercial mortgage, should a key person die or be diagnosed with a specified critical illness during the length of the policy. It also pays out for terminal illness if our definition is met, except in the last 12 months of the policy.


Don’t leave the future of your business to chance. Contact us to speak to our highly experienced Financial Advisors.


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