Protection

Business Protection

Business Protection aims to reduce the financial impact of death or critical illness affecting key people within your client’s business

Safeguarding the Future of Your Business

In every successful business, there are individuals whose expertise, leadership, and relationships are simply irreplaceable. Whether it’s a founder, director, senior partner, or technical specialist, the sudden loss of a key person through death or serious illness can have immediate and far-reaching consequences.

Without protection in place, your business may face:

  • Significant loss of profit or client confidence.

  • Disruption to cash flow or operations.

  • Inability to meet loan obligations or creditor commitments.

  • Complexities in shareholder control or succession planning.

  • And in some cases, the risk of closure.

Five young men in business attire gathered around a table, engaged in a discussion or review of documents.

A Strategic Priority, Not Just a Safety Net

Far from being a ‘nice to have,’ Business Protection is a cornerstone of intelligent corporate planning, especially for growth-focused firms, closely held partnerships, and companies dependent on specialist knowledge or leadership.

We work with business owners, directors, and financial controllers to build bespoke protection strategies that reflect your commercial structure, leadership risk, and long-term vision.

A woman with dark hair in a bun sitting at a table across from a man in a casual gray t-shirt inside a modern room with a brick wall and a projector screen. A drink with a red straw is on the table.

Why Business Protection Matters

Business Protection ensures that, should the worst happen, the company has immediate access to funds, helping to stabilise operations, protect profits, and retain control.

This type of cover can be structured to:

  • Provide a lump sum if a key person dies or is diagnosed with a critical illness.

  • Enable surviving partners or shareholders to buy back equity from a deceased owner’s estate.

  • Support business loan repayments, maintaining creditworthiness.

  • Fund the cost of recruiting or replacing essential talent.

A group of young adults sitting around a wooden table in a modern, cozy kitchen, engaging in conversation and smiling, with some drinks on the table.

get in touch

Protect the business you’ve built. Plan for the unexpected, without compromising your future.

Speak with our expert advisors today.