ProtectingYour Business

Even the most thriving businesses can be undone by the unexpected. You cannot always prevent difficult circumstances from occurring, but you can ease the financial implications by arranging appropriate business protection.

How would your business manage if you, a business partner, or a key employee were diagnosed with a critical illness or died unexpectedly? People make businesses thrive, and losing these people can be extremely damaging.

 

Running a business is uniquely stressful, and responsibility can often be overwhelming. Business Protection offers essential peace of mind. This reassurance enables you to focus on growth, innovation and success without anxiety about unforeseen difficulties and their consequences.

 

Protection Types

  • Personal cover
  • Relevant Life Cover
  • Business cover
  • Key person cover
  • Shareholder agreements
  • Business LPA

Personal cover

Your professional and personal lives are naturally connected; personal cover, such as life insurance, can be taken out through your company tax-efficiently, and our team can help you find the right policy.

Relevant Life Cover

Relevant Life Cover

Personal life cover offers an important financial safety net for your family in the event of your death; however, your policy can also be taken out tax-efficiently through your company.

How it works

Business cover

Business cover

What would happen to your business if you, another key person or a shareholder were too ill to work or died unexpectedly? There are various business cover types available to manage this risk effectively.

Business cover options

Key person cover

Key person cover

Most businesses rely on a few key individuals. The loss of any of these could pose a real threat to the financial stability of the business. Key person protection can provide capital if such a person dies or suffers from a critical illness. This provides a safety net to help keep up with loan repayments and stabilise cash flow.

Shareholder agreements

Shareholder agreements

Shareholder agreements are valuable for outlining shareholders’ rights, responsibilities, and relationships. They address concerns like ownership percentages, decision-making, and dispute resolution mechanisms.

Our team will carefully check and ensure that your protection aligns with the content of your shareholder agreements. We will also work with our tax specialists and solicitors to suggest any changes to the existing versions if required.

Business LPA

Business LPA
Lasting Powers of Attorney

Similar to how a personal Lasting Power of Attorney allows designated individuals to make decisions relating to your estate in the event of your incapacity, a business LPA grants the authority to make decisions on behalf of a business owner, ensuring business continuity and reducing disruption.

Our dedicated Private Client team will be able to help you set up and manage any business LPAs required.

Private Client Team

Personal cover

OUR WEALTH MANAGEMENT SPECIALISTS

A team you can trust

Simon Hollin

Partner
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Robert Sully

Senior Financial Adviser
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Ryan Qualters

Senior Financial Adviser
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Joseph Tighe

Financial Adviser
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