We offer four main types of business protection:


  • Key Person Protection (profit protection)
  • Partner/Director/Limited Liability Partnership Share Protection
  • Business Loan Protection
  • Relevant Life Plan



When running a business, most owners are focused on the day to day delivery and doing the best for their customers. Unfortunately, this means they don’t always have the time to think about the ‘what ifs’.


Key Person Protection enables a business to insure itself against the financial loss it would suffer if a key person died or was diagnosed with a specified critical illness (if a critical illness was chosen as part of the policy) during the policy term.


A key person is an individual whose skill, knowledge, experience or leadership contributes to the financial success of business directly or indirectly. A key person could be one of a number of people within the business. For example Chairman, Managing Director, Marketing Manager, IT Specialist, Finance Director, Sales Manager, Paraplanner.

Or anyone whose death could lead to financial loss for the business through:

  • Loss of profit
  • Having to recruit or train a replacement
  • The loss of important business contacts if the key person is not there to maintain relationships
  • Customers and suppliers losing confidence in the business



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 a business owner. If there is no share protection in place, the owner’s share in the business may be passed to their family. This means that the surviving business owners could lose control of a proportion or, in some circumstances, all of the business. The family may choose to become involved in the ongoing running of the business, or could even sell their share to a competitor. A Share Protection policy can help avoid these issues by providing the funds to purchase the shares and also a suitable mechanism for the existing shareholders to retain ownership of the business.




The loss of the person who has guaranteed a loan is particularly serious for business. Business Loan Protection helps a business pay an outstanding overdraft, loan or commercial mortgage, should the person covered die or is diagnosed with a terminal or critical illness (if chosen) during the policy term. When a valid Business Loan Protection claim is made, a sum equal to the outstanding debt could be paid to either the business or directly to the lender.



Although not a Business Protection product, a Relevant Life Plan is a term assurance plan available to employers to provide a lump sum benefit for an employee. It is designed to pay a lump sum if the person covered dies or is diagnosed with a terminal illness, while in employment during the term. A Relevant Life Plan is paid for by the employer. As with all insurance plans, limitations and exclusions apply.

• Employers looking to provide lump sum benefits, but with too few employees to set up a group scheme.
• Directors wishing to provide their own individual ‘death in service’ benefits in a tax-efficient manner.
• High earning individuals, such as directors, who are looking for lump sum benefits without affecting their Pension Lifetime allowance.

What else do we cover?


Purchasing your dream home is one of the biggest financial commitments you will make in your life which is exciting but can be fraught with stress and worry. Protection can help pay off the mortgage and keep up with the bills that don’t stop.

Help to buy

Help to Buy equity loans are only available in England, although similar schemes have been made available by the Scottish Government, the Welsh Government and the Northern Ireland Housing Executive.

General insurance

Provide yourself with peace of mind that your home will be fully covered if you suffer loss from fire, theft or burglary. There are many add-ons you can have such as accidental damage and personal possession cover.

Expert protection advisers

You can speak directly to our qualified protection adviser who has a wealth of experience. Our advisers are fully trained, specialised and work with a range of clients.

We will search the market to ensure that your individual needs are met and we are more than happy to arrange face-to-face meetings. Our advisers can also handle protection applications over the telephone.