Business Protection

Research has found that almost two thirds of businesses carry some form of debt with the average SME owing nearly £350,000 at any one time. We can help mitigate that risk with a range of business protection policies

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Business Protection Insurance


Research has found that almost two thirds of businesses carry some form of debt with the average SME owing nearly £350,000 at any one time. However, despite this, a third of SMEs in the UK have no insurance cover at all for their debts.

And, these debts can often be risky. 23% of SMEs now admit to using credit cards while SME debts of over £50,000 in Directors Loan Accounts have increased from 20% to 33% since 2011. While leaving bonuses, dividends or salary in the business can be a huge benefit to your company’s finances, director’s loans are repayable to the estate if the director dies.

And it’s not just debts that businesses have to face. Many small companies employ key individuals with specific and important roles. In the event of illness or death to a key employee, it is highly likely that many businesses would struggle to meet their obligations.


The loss of a key person could result in:

  • Loss of knowledge to your business and its processes
  • Loss of profits or income
  • Problems in meeting loan repayments
  • Loss of important business contacts or goodwill
  • Loss of contracts
  • Business protection or Relevant life insurance can give you peace of mind


Business protection can help your business continue to trade if you were to lose an owner or employee who is important to your business. It can help you to replace key individuals, repay debts or provide funds provided to purchase shares from the deceased owner’s estate, giving you added peace of mind that your business could live on.


Ensure your business is protected today

While you can replace assets, premises or material goods, replacing a key person is not nearly as easy. Having the relevant protection policies in place will help you to ensure that your business can survive the loss of a key person – including yourself.

Whether you are a sole trader, a partnership, a limited liability partnership or a limited company there are specific policies to suit your needs. So, If you want to ensure that your business is properly protected, it’s important that you get some cover today.

Other Types of Business Insurance

Key Person

Key Person Life Insurance

Find out more
Relevant Life

Relevant Life insurance for your business

Find out more
Business Protection

We can help arrange the most tax efficient business protection life insurance polices to protect your business and livelihood

Find out more
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