Business Protection
Protecting the people behind the business
Every successful business is built on people — the visionaries, the leaders, the specialists. But what happens if one of them becomes seriously ill, is unable to work, or passes away unexpectedly?
Your business is a key part of your financial life—and protecting it is just as important. We work with company owners and directors to put robust protection in place against the financial impact of losing a key person, shareholder or partner. From shareholder and key person cover to business loan protection and executive income protection, we help ensure your business remains stable through change.
Business protection ensures your company can continue running smoothly, even when life takes an unexpected turn. We help business owners safeguard what they’ve worked hard to build by identifying vulnerabilities and putting the right cover in place — from protecting profits and partnerships to securing key personnel and outstanding debt.
Whether you’re looking to protect cashflow, retain control of ownership, or simply keep your business moving forward, we provide whole-of-market solutions backed by specialist advice and experience.
Key Person Protection
Protecting your business if a key individual is lost.
A key person is anyone whose knowledge, leadership or ability significantly contributes to your company’s success. If that person were to become critically ill or pass away, the financial and operational impact on your business could be significant.
Key Person Protection is a life insurance policy (with optional critical illness cover) taken out by the business on the life of a key employee, director or shareholder. If a valid claim is made, the policy pays out a lump sum to the business — helping cover loss of profits, recruitment costs, or business interruption.
We help you identify who is critical to your business and ensure the right level of cover is in place to protect future revenue and continuity.
Shareholder & Partnership Protection
Retaining control when the unexpected happens.
If a business owner passes away or becomes seriously ill, what happens to their share of the company? Without a plan, ownership may pass to their family — who may not want to be involved, or may decide to sell to a third party.
Shareholder or Partnership Protection ensures that if one of your co-owners dies or suffers a critical illness, the surviving owners can retain control by purchasing their share of the business using the proceeds from an insurance policy. Alongside robust legal agreements, this type of protection offers stability, reduces disputes, and provides financial support to the affected owner’s family.
Executive Income Protection
Protecting directors and high-earning employees.
For business owners and directors, losing the ability to work due to illness or injury could mean a significant drop in income. Executive Income Protection helps cover up to 80% of an insured director’s income — including salary and dividends — providing regular monthly payments if they’re unable to work.
Policies are arranged and paid for by the company, and payments are made to the business to fund ongoing sick pay. In most cases, premiums are tax-deductible and not considered a benefit-in-kind for the employee. We help you select the right deferred period and cover level to suit your business’s structure and ongoing commitments.
Business Loan Protection
Protecting your business from the financial impact of debt.
Many businesses rely on loans, commercial mortgages, or director’s loans to fund growth or maintain operations. But if a key individual who guaranteed the loan passes away or becomes critically ill, repayments may suddenly fall on the company — creating a serious financial burden.
Business Loan Protection provides a lump sum to repay outstanding debts if the insured person is no longer able to fulfil their role due to death or illness. The policy can be paid either directly to the lender or to the business, depending on how the loan is structured.
This type of cover is especially important if there are personal guarantees attached to the debt. We’ll help assess your exposure and put a solution in place to protect your business and the people behind it.
Where we can help
What we do
We help individuals, families, and business owners make confident, informed decisions about their financial futures.
Let’s talk about
your life – not
just your finances
We’re here to help you live the life you want — with the confidence that your financial plan is clear, structured, and fully aligned with what matters most to you.
