man and woman stood side by side smiling. Woman is resting her arm on mans shoulder

What is business cover?

Business protection keeps your company strong through the unexpected. From insuring your key employees to covering important loans, business protection policies are there to keep your business running smoothly if things get tough.
  • It brings peace of mind to business owners, employees, and shareholders
  • Some business life insurance policies can be tax-deductible
  • Helps keep your business running smoothly through the unexpected
  • Tailored to your business

    What products do we offer?

    Key Person Insurance

    Key person insurance helps protect your business from the financial impact of losing a key member of your team. This policy ensures your company has the money it needs to navigate the financial implications of losing a key employee. 

  • Provides money to cover losses and help maintain cash flow
  • Offers peace of mind to owners, employees, and shareholders
  • Supports hiring, training, and transition costs to help your business stay afloat
  • woman presenting in front of a room of people
    Woman smiling whilst speaking to a group of people having a meeting around a table

    Relevant Life Insurance

    Relevant life insurance provides you and your employees with tax-efficient life cover. This policy offers you and your employees a death-in-service benefit, making it a smart option for businesses looking to offer good employee perks.

  • You put your policy through the business and save on premiums
  • Ideal for attracting top talent and reducing sick days
  • Comes with free health and wellbeing perks to keep your team healthy and engaged
  • Business Loan Protection

    Most businesses have some loans, particularly SMEs. So, business loan protection is essential. This policy ensures your business can cover its debts if a key person, such as an owner, becomes unable to work due to illness or death.

  • Covers outstanding business loans, debts, and financial commitments
  • OProtects against potential cash flow issues
  • Keeps your business secure during the unexpected
  • man smiling sat at table with electronic tablet in hand
    man holding coffee speaking to woman holding a laptop and another woman holding a clipboard

    Employee Benefits

    When it comes to running a business, employee wellbeing is everything. Show your team how much they mean with employee benefits tailored to their needs, and your company could see a reduction in staff turnover. 

  • Flexible packages tailored to your company
  • Stand out from the crowd by offering an attractive benefits package 
  • Promotes a positive work culture
  • Shareholder Protection

    Think of shareholder protection as a succession plan for your business. Shareholder protection keeps your business running smoothly if you are faced with the loss of a company shareholder. It provides the funds for remaining shareholders to buy out the deceased or ill shareholder’s shares at a fair market value, ensuring stability and continuity without financial strain on the business.

  • Ensures remaining shareholders keep control 
  • Keeps business continuity and stability intact 
  • Protects the value of each shareholder’s investment
  • woman sat in front of a laptop working with a woman stood at the side of her who is holding a piece of paper
    icon of a clipboard

    Need help choosing your cover?

    If you’re not sure which policy is right for you and your business, let’s talk. Our team of experts can help you find the type of cover that best fits your business needs.

    Get in touch

    To get chatting with one of our friendly UK-based experts today, either give us a call on the number below or you can drop us an email.

    icon containing an envelope with a piece of paper inside with @ symbol on it

    Email address

    [email protected]