Key Person Cover

Business Protection

Key Person Cover

Key Person Cover protects against financial impact should an employee who is crucial to the running of your business die or suffer an illness and is unable to continue working.  

Cover is typically taken out for business owners, senior managers and people with specialist skills and knowledge which nobody else in the organisation has.  

Insurance is paid for by the employer, therefore pay-out is made to the employer who can claim tax relief on the cost of the cover. Claims can be a regular income or a lump sum, and the funds can be used to repay loans or recruit and train a replacement to step into the role to lessen the consequences of the loss.

If your business relies on the expertise of a handful of people, I recommend you consider taking out Key Person Cover to protect yourself against financial loss and ensure your business remains viable.Give me a call or ping me an email if you’d like to know more.

Business Protection

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