Business Protection
The business survives. That's the whole point.
You've built something that feeds families, yours and your employees'. Business protection is the discipline of making sure one bad event doesn't undo years of work.
Key-man insurance
The riskMost SMEs have one or two people who are the revenue: a founder who holds the client relationships, a director who runs operations, a rainmaker the banks lend against. If that person is struck by critical illness or dies, the business loses income, credit standing, and negotiating power in the same month.
The structureThe company insures the key person and owns the payout. Cash arrives when the business needs it most: to hire cover, reassure the bank, hold clients, or buy time.
Buy-sell agreements and funding
The riskTwo or three co-founders, no written agreement on what happens if one dies or exits. The surviving partners end up in business with the deceased's spouse, or in a legal fight over valuation.
The structureA buy-sell agreement fixes the terms in advance; insurance funds the buyout so the money exists exactly when it's needed. The family gets fair value in cash. The survivors get the company. Nobody negotiates while grieving.
Business loan protection
The riskDirectors' personal guarantees on business loans don't disappear on death. The bank's claim passes to the estate, which means the family home and personal assets can be on the line for a business debt.
The structureCover matched to the outstanding loan, assigned so the debt is extinguished if the guarantor dies or is critically ill. The business keeps its facility; the family keeps their assets.
Income protection for owner-directors
The riskAs an owner, you have no employer sick pay. Six months out of action often means six months of drawing down the business itself.
The structureA personal income-replacement layer sized to your actual drawings, so a health event doesn't force the business to bleed to keep your household running.