Business Protection

Business Protection

Business Protection

Whether you are a one man band or a large employer, we offer business protection which is tailor-made for you and your company.

What type of protection does my business need?

There are many different business protection products available, some of them tax-efficient. We take time to understand you and your company and provide you with a bespoke package no matter how large or small your company may be.

How we can help:

Do you really know what would happen to your company income and assets if you died or if you were ill? This is where you take control and you (and your business partners or fellow directors) get to decide what you want to happen. Effective protection planning will ensure that not only your company but also your family are fully protected.

Whether you are just looking to protect yourself as an individual or whether you are looking to provide benefit packages for your employees, we will have the right solution for you. Get a £75 voucher when you take out a policy through us. See our voucher T & C’s for more detail.

We are able to advise on the following types of business protection:

  • Relevant Life Cover/Group Life Cover:  This allows employers to offer death in service benefits to employees and company directors, often in a tax-efficient way

  • Group Income Protection:  This allows employers to provide financial support for employees if they are unable to work through long-term ill health

  • Key Person Cover:  This helps you to protect your business against the financial impact of losing a key employee through illness or death.  It protects your profits

  • Business Loan Protection:  Protects your business and gives you a plan for repaying liabilities in the event of the loss of a key person

  • Share Protection/Partnership Protection:  A type of life insurance bought by businesses, which ensures there are funds to help purchase shares from the owner’s/shareholder’s next of kin if an owner/ shareholder dies. Critical illness cover options are also available

We take time to understand you and your company and provide you with a bespoke package no matter how large or small your company may be.’
I need advice
If I have insurance already can I change/make changes?

It depends on the terms of your plan as some plans are more flexible than others. Talk to us and we can look at this for you.

I think I’m paying too much for my cover, can you find me something cheaper?

Maybe, especially if you took out insurance direct from a bank or building society. Or we may be able to build you better cover for the same price.  Either way, we will be more than happy to review your existing cover for you.

If I need to make a claim will you help?

Yes, we are always happy to help. See out claims page.

Why use us?

We are unbiased, impartial and independent: Sourcing cover from leading insurers, often at a more competitive price than you would be able to get from a comparison site or even from an insurer direct.

No fees: Insurance providers pay us commission, which means that we do not charge you a fee.

We advise: We talk to you to ensure that you have the right cover for your own individual circumstances.

We listen: You tell us what you would want to happen to your family if you die or if you are ill.

We care: Our clients are not numbers to us, we genuinely care about what we do and about the advice which we provide.

Aftercare: If you or your family are ever unfortunate enough to need to claim, let us know and we will do what we can to help. 

You will be making a difference to others: Every year, we donate a proportion of our profits to support a carefully chosen charity.

If I pay for cover, does this reduce my tax bill?

Premiums for many business protection policies may be tax-deductible.  We will put together a bespoke recommendation which you will be able to discuss with your accountant in order to ensure that everything is done in the most beneficial way for your company.

Can I ask my employees to pay towards their cover?

Yes, you can offer a flexible benefits package which would enable your employees to purchase enhanced cover.

Why would I want to provide benefits for my employees?

A benefits package makes you an attractive employer, helping you to recruit and retain key staff by showing them that you care for them and their family.

How much cover do I need?

This really depends on individual circumstances and budget. We will work with you to provide you with suitable cover within your budget.

I have heard that insurers never pay out, is this true?

This is not true. The majority of claims are paid and we can provide you with full statistics from the insurers to prove this.

What is the difference between getting advice and getting a quote on your site?

A quote will give you an indication of the cost, however, that does not necessarily mean that the cover chosen is the most suitable. Our job is to advise you and help you to make an informed decision.

I need advice
Life Insurance
critical illness cover
Income Protection
Life Insurance
critical illness cover
Income Protection