Essential for any small business owner

Business Protection
& Insurance

Essential for any small business owner

Business Protection
& Insurance

Business Insurance Specialists

Bespoke solutions

With over 25 years experience, our skilled advisors provide a holistic planning service to accurately asses areas of risk within your business in order to recommend the appropriate cover for your needs.

We specialise in small business cover including that for sole traders.

As independent advisors we can access the whole insurance market. Our rigorous due diligence ensures that we not only select an insurance based on value, but also the reliability and quality of the individual insurers.

Call us to find out more

One of the most popular and somewhat essential types of cover for small business’s is Key Person Insurance. In the event of loss, sickness or injury of a Key Person (someone fundamental to the operation or profitability of the business), this insurance will provide a financial benefit in order to keep trading and reduce the impact of such a loss. The assessment of this benefit can include cover not only for the potential loss of profits but also the cost of hiring the appropriate replacements.

If you are exposed to the risk that the incapacitation or loss of a large shareholder or director could damage the future success or even survival of your business, then it may be worthwhile considering shareholder insurance. This form of cover provides the remaining shareholders with the funds to buy the shares from the incapacitated or deceased shareholders estate.

If you or a senior staff member passes away with outstanding debt, this could cause a number of problems for your business. There are insurance options to cover mortgages and debts that, if due to death or incapacity of selected individuals, would be unable to be repaid, and therefore detrimental to your business.

There are a variety of life insurance products that employers can purchase for employees. These are tax efficient policies, and provide a healthy incentive and benefit for loyal employees. These policies can be included within employment packages, offering a flexibility within the level of cover they provide.

Matching Your Level of Risk With Your Level of Comfort

Insurance can be daunting to think about, but without it you could be exposed to risk that not only effects key individuals, but the livelihoods of many others relying on the success of the business.

No matter your wants and needs we are committed to finding the right solution to suit your budget and risk level. We pride ourselves on our thorough approach, starting with a conversation in an initial meeting at our expense.

One of the most popular and somewhat essential types of cover for small business’s is Key Person Insurance. In the event of loss, sickness or injury of a Key Person (someone fundamental to the operation or profitability of the business), this insurance will provide a financial benefit in order to keep trading and reduce the impact of such a loss. The assessment of this benefit can include cover not only for the potential loss of profits but also the cost of hiring the appropriate replacements.

If you are exposed to the risk that the incapacitation or loss of a large shareholder or director could damage the future success or even survival of your business, then it may be worthwhile considering shareholder insurance. This form of cover provides the remaining shareholders with the funds to buy the shares from the incapacitated or deceased shareholders estate.

If you or a senior staff member passes away with outstanding debt, this could cause a number of problems for your business. There are insurance options to cover mortgages and debts that, if due to death or incapacity of selected individuals, would be unable to be repaid, and therefore detrimental to your business.

There are a variety of life insurance products that employers can purchase for employees. These are tax efficient policies, and provide a healthy incentive and benefit for loyal employees. These policies can be included within employment packages, offering a flexibility within the level of cover they provide.

Matching Your Level of Risk With Your Level of Comfort

Insurance can be daunting to think about, but without it you could be exposed to risk that not only effects key individuals, but the livelihoods of many others relying on the success of the business.

No matter your wants and needs we are committed to finding the right solution to suit your budget and risk level. We pride ourselves on our thorough approach, starting with a conversation in an initial meeting at our expense.

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