Business protection

About this service

Most businesses insure their premises, equipment and stock, yet far fewer protect the people who keep the business running. If an owner, director or key employee were suddenly unable to work, the impact could be significant. Business protection puts financial support in place beforehand, helping your business absorb the shock, stay resilient and carry on with confidence.

Relevant Life

Relevant Life is a highly efficient way for business owners, directors and senior executives to arrange personal life cover through their company. It provides a death-in-service style lump sum for the individual and can offer significant tax advantages for the business.

Key Person Insurance

Key Person Insurance provides a vital safety net if someone essential to the business dies or is diagnosed with a terminal illness. The lump sum helps the business absorb the impact, keep trading and stay stable through a difficult period.

Loan Protection

Loan Protection provides the funds to repay a business loan if an owner, director or partner dies or is diagnosed with a critical illness, so the debt doesn't become a burden on the business or their family.

Shareholder Protection

Shareholder Protection helps ensure your business stays with the people it was intended for. If a shareholder becomes critically ill, terminally ill or passes away, the policy pays a lump sum that lets the surviving shareholders buy their stake at a fair, pre-agreed value. The family receives financial security, and the business keeps control and direction.

Executive Income Protection

Executive Income Protection is a tax-efficient way for a business to protect the income of a key director or employee. If illness or injury stops them working, the policy pays a regular monthly benefit to the business, keeping things stable.

Business Private Medical Insurance

Business Private Medical Insurance gives your employees quick access to diagnosis, treatment and specialist care, helping them return to health sooner and reducing the impact of absence on your business. It's a valuable benefit that supports wellbeing, boosts retention and shows your commitment to a healthy, productive team.

Cover that does more

Many business protection policies include added-value benefits within the premium, such as GP access for employees, second medical opinions and wellbeing support. Tracy will explain what's available so you get the full value of your cover.

Every business is different. Book a free, no-obligation discovery call and Tracy will help you work out what your business needs to stay protected.

Protecting what matters most: your business, your staff, your income and your future. Tracy helps business owners across Gloucestershire and the Cotswolds put the right cover in place, in plain English.