For directors, owners & small businesses
Business protection
Plan for the financial impact of losing a key person, changing ownership or supporting the people who work for you.
Start with the need you want to protect.
Protect your family
Relevant Life cover
Life insurance paid for by your company, designed to support your family if you die during the policy term.
Explore relevant life cover
Protect against the loss of a key person
Key person cover
Financial support for your business if someone it depends on dies or suffers a covered critical illness.
Explore key person cover
Protect business ownership
Shareholder protection
Help the remaining owners fund a share purchase following an insured owner’s death or a covered critical illness, with insurance arranged alongside an appropriate legal agreement.
Explore shareholder protection
Protect business borrowing
Business loan protection
Provide funds to help repay business borrowing following an insured death or covered critical illness.
Explore business loan protection
Support your team’s health
Business private medical insurance
Private medical insurance for directors and employees, recommended and arranged around your team’s needs and budget.
Explore business private medical insuranceWhich cover does what?
A business can need more than one type of protection. Each has a different purpose.
| Cover | Primary purpose | Who benefits? |
|---|---|---|
| Relevant Life cover | Financial support for an employee’s family after an insured death | Personal beneficiaries, through a suitable trust |
| Key person cover | The business’s financial position | The business or an appropriate ownership arrangement |
| Shareholder protection | Funds for a share purchase following an insured death or critical illness | The parties funding the agreed share purchase |
| Business loan protection | Outstanding business borrowing | The policy owner or lender, as arranged |
| Business medical insurance | Eligible healthcare needs | Insured employees, through covered treatment |
Clear advice, step by step
Advice, arrangement and ongoing support.
- 01
Understand your business
We discuss your people, ownership, borrowing and existing insurance.
- 02
Recommend suitable cover
We assess your needs and recommend insurance, explaining the costs, benefits and limitations.
- 03
Arrange your insurance
We manage your application and liaise with the insurer to put your agreed cover in place, keeping you informed throughout. We also identify where separate legal or tax advice is needed.
Start with a conversation
What would you like to protect?
Tell us about your business, your existing cover and the people who depend on it.