Business
Business insurance & protection
Your business depends on a small number of people. Business protection makes sure the company, your family and your fellow directors are looked after if one of you dies or becomes seriously ill.
Our insurance portfolio
We compare the whole market to find cover that fits your company, and we arrange trusts and agreements so the money goes to the right people quickly.
Important information
Cover is subject to underwriting and the terms of the policy. Tax treatment depends on the individual circumstances of the business and the insured person, and may change in the future.
Talk to an adviser
Book your free first meeting
No obligation. We’ll listen, explain your options and only recommend what’s right for you.
Our insurance portfolio
Business protection policies
Relevant life insurance
Tax-efficient death-in-service life cover for directors and employees, paid for by the company.
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Key man (key person) insurance
Protect company profits and cash flow if a vital person dies or is seriously ill.
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Director share purchase (shareholder protection)
Make sure the remaining owners can buy a deceased director's shares, and their family receives a fair value.
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Glossary of financial terms
Plain-English explanations of more than 100 financial terms.
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Free tools
Try our free tools
Business protection gap check
Shareholder, key person and loan protection your company may need.
Try it free
Relevant life saving calculator
See how much a company director could save with a relevant life policy.
Try it free
Director pension contribution calculator
Compare paying company profit into your pension with taking it as a dividend.
Try it free
Q&A
Questions & answers
What is business protection insurance?
Business protection is a group of insurance policies that protect a business, its owners and their families if a key person dies or becomes seriously ill. The main types are key person cover, shareholder protection and relevant life cover.
Do small companies need business protection?
Often more than large ones. In a small company, losing one director can affect sales, borrowing and control of the business.
Can the company pay for the premiums?
Usually, yes. Whether the premiums are tax deductible depends on the type of cover and how it is set up. We agree the approach with your accountant.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.