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Business Insurance

Strategic advice to protect your business and the people in it

Most business owners protect their buildings and equipment — but not the people who make the business work. We provide strategic advice on protecting your business, your key people, and your partners from the financial consequences of unexpected events.

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Continuity is built deliberately

Protect the people and decisions your business depends on.

Business protection is most useful when ownership, key people, debt, family commitments, and longer-term plans are considered together.

Why This Advice Matters

Most business owners are exposed to risks they have not planned for

Business owners spend significant time and money protecting their physical assets — buildings, equipment, vehicles. But the biggest risk to most businesses is not physical. It is the loss of a key person.

We look at the people your business relies on, its ability to keep operating and the agreements between owners—then discuss protection that fits the real risk rather than a generic package.

We work alongside your accountant and legal advisers to ensure the insurance strategy is consistent with your business structure and succession plans.

Our Approach
01
Understand the risk
We identify the people and scenarios that could have the greatest financial effect on your business.
02
Make the impact visible
We map the possible effect on revenue, fixed costs and debt commitments if an owner or key person could not continue.
03
Consider the right protection
We explain the protection options that may help with an owner, key person, income or debt question in your specific situation.
04
Coordinate the next step
We work alongside your accountant and solicitor where the business structure or legal arrangements need to be considered.
Who We Help

Advice for businesses of every size

Owner-operated businesses

If you are the business, what happens to it — and your family — if you cannot work? We advise on the personal and business cover that keeps everything running.

Businesses that rely on key people

If your top salesperson, technical expert or operations manager cannot work, what would the business need to keep moving? We help you plan for that risk.

Businesses with more than one owner

If an owner dies or becomes seriously unwell, what should happen to their share of the business? We help you consider the ownership agreement and funding that could support the people involved.

Businesses with bank debt

Where lending is part of the picture, we help you understand the protection questions that may matter to the business, its owners and its lender.

What We Look At

A strategic assessment of your business risk

People your business relies on

We identify the people whose absence could have the greatest financial effect on the business and help you understand the size of that risk.

Keeping the business moving

We look at revenue, fixed costs and commitments if an owner or key person could not work for a period of time, then discuss ways to prepare.

Ownership arrangements

We review the agreement between business owners and consider how a change in health or circumstances could affect ownership, funding and the people involved.

Business debt commitments

We look at loans, overdrafts and other commitments so you can understand the pressure an unexpected event could place on the business.

What You Get

What to expect from a business insurance review

  • A clear assessment of your key person and business continuity risks
  • A written recommendation with the reasoning and costs explained
  • Cover structured to your actual risk, not a generic package
  • Coordination with your accountant and legal advisers where needed
  • Annual reviews as your business and team evolve

Ready to protect your business?

Start with a conversation about your business, key people, ownership arrangements, and the protection questions you want to make clearer.

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Financial PlanningEstate Planning