Business Protection

What Is Business Protection?

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Business Protection is a financial safety net that helps your business stay strong when the unexpected happens, such as the death, critical illness, or long-term absence of a key person.

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It’s about safeguarding your operations, your people, and your future.

We offer a range of tailored Business Protection policies to suit different business structures and risks, including:

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• Key Person Insurance – protects against the loss of vital individuals whose absence could impact revenue or operations.
  
• Executive Income Protection – covers income for key employees unable to work due to long-term illness or injury.
  
• Relevant Life Cover – a tax-efficient way to provide life insurance for employees or directors.
  
• Business Loan Cover – ensures your business can repay outstanding loans if a guarantor or owner dies or becomes critically ill.
  
• Share & Partnership Protection – helps remaining owners buy out a departing partner’s share to maintain control and continuity.
  
  

Whether you’re a start-up, family business, or growing enterprise, Business Protection helps ensure that sudden change doesn’t become a long-term threat to your success.

Why Does Business Protection Matter?

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Running a business means thinking ahead, not just about growth, but about how you'll handle the unexpected.

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What happens if a founder, director, or key employee can’t work due to illness or worse? The fallout can be immediate and wide-ranging:

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• Revenue may fall.
• Confidence among customers and investors may drop.
• Operational strain may rise.
• Ownership could become unclear.
  
  

Business Protection gives you the means to respond confidently, helping you:

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• Avoid sudden cashflow pressures.
• Maintain service for clients and stability for staff.
• Reassure lenders, partners, and stakeholders.
• Preserve your business’s leadership, control, and long-term vision.
  
  

It’s more than a policy - it’s a plan for continuity, resilience, and peace of mind.

How Business Protection Supports You

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Business Protection isn’t a one-size-fits-all solution. It’s a suite of flexible, tailored cover options that support different parts of your business:

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• Protect your profits – Maintain revenue and cover essential costs if someone critical is lost.
  
• Protect your people – Provide income and support to valued employees during long absences.
  
• Protect your ownership – Ensure shares or equity remain with the right people through clear succession planning.
  
• Protect your borrowing – Repay outstanding loans without draining resources or risking personal guarantees.
  
  

Whatever your structure or sector, Business Protection helps you manage risk, build resilience, and keep control in times of change.