Business Insurance Solutions

Shareholder Protection can provide a solution to support a business so that, in the event of death, critical illness or disability of a shareholder the remaining shareholders can purchase that persons shareholding, enabling the business to continue with minimum interruption and providing an exit solution to that shareholder, or his dependants.

Key Person Protection, covers the business against the loss of a key senior member of staff arising from death, critical illness or disability. How would your business cope if a key member of staff was suddenly lost or unable to work? Sales could be lost, contracts delayed and time and money spent recruiting a replacement and in training. Key person cover can’t replace that person, but it can provide cash at that critical time to replace lost profits and cashflow.

Key Person Loan Protection, If your business has taken a loan the ability to service that loan could be jeopardised by the loss of one of the key members of the management team. The loan might be personally guaranteed, or maybe a director has lent money to the company that he, or his estate, would need to be repaid ahead of plan. Key person Loan Protection can provide this cover against death or critical illness.

We can offer a wide range of commercial insurance, Office cover, Property, Public and Trade liability, Commercial Vehicle, also protection policies, such as Key Person and Shareholders protection.

Office cover, in addition to contents and tenants improvements this can also include public and employers liability. We can offer bespoke policies, tailored to the businesses individual needs.

Professional or Trade Liability, includes public and employers liability for professional and manual trades and can be tailored to meet your individual needs, including flexible features to allow for changes in staff numbers or business levels.