How do you choose the right cover?

We'll guide you through your different choices and help you make the right decision for your business.

What to think about if you're......

  • Sole Trader

    Do you have any employees?

    Are any key to the business?

    Do you have any debt?

  • Partnership

    Do you have a partnership agreement?

    What happens if you die?

  • Partnership LLP

    Are there member loans to the business?

    What is your succession plan?

  • Limited (Ltd)

    Who owns the business?

    What do your articles say?

    What is the value of the business?

What to start thinking about?

  • Relevant Life Cover

    Tax-efficient death cover

    Paid to your family

    Business pays the premium

  • Key Person Cover

    Provides capital to the business

    Cover death, illness or incapacity

    Premiums paid by the business

  • Ownership cover

    Shareholders regain control

    Family gets money for your share

    Business as usual

  • Business Debt

    Clears loans and debt

    Cover death or critical illness

  • Employee Benefits

    Protect your employees

    Prevent absences

    Attract and recruit staff

Find our more about business products

  • What arrangements do you currently have in place to protect the dependents of owners, directors and employees?
  • Do individuals make their own arrangements?
  • Are there any high earners who have a big pension fund?
  • Read more

  • What are the most important job functions in your business?
  • How do you replace know-how and specific expertise?
  • What are the costs of recruiting and training a replacement?
  • How many contacts or contracts could be lost?
  • Read more

  • Ask the other partners or shareholders what they want to happen to their share or interest if they die or fall critically ill then wanted to retire?
  • How do you ensure this all happens?
  • When did you last update your Articles of Association?
  • Read more

  • How would the business pay debt if it lost a key person?
  • Do any debts have a recall facility?
  • If an overdraft or loan was recalled what effect would that have on cash flow?
  • How would the business raise capital to repay directors' loans on death to their estate?
  • Read more

  • What arrangements do you have in place for your employees?
  • What do your competitors offer?
  • How could you use this type of benefit to retain and attract talent into your business?
  • Read more

    Did you know?

    Over 50% of businesses have left no instruction in a will or made any special arrangements regarding shares

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    Specialist advice, impartial, free.

    Speak with a business protection specialist who can answer any questions you have, and find the most suitable cover for your business, employees and your family.

    Call 0800 804 6813

    Mon-Thurs: 8am-8pm,
    Friday: 8am-7pm
    Saturday: 9am-2.30pm