Business Protection
The loss of a key person, director, or shareholder can have a serious financial impact on a business — affecting cash flow, ownership, and continuity at a time when stability matters most. Business Protection insurance helps safeguard your business against these risks, providing a financial safety net so your business can continue operating with confidence.
✔ Protect your business against the loss of a key person or owner
✔ Tailored cover based on your business structure and needs
✔ Help ensure continuity for your team, clients and shareholders
✔ Free initial consultation — no obligation to proceed
How We Help You
We start by understanding your business structure, who’s involved, and what would happen financially if a key individual were no longer able to work or passed away. From there, our advisers recommend the right type and level of cover to protect your business, your remaining partners or shareholders, and your team.
Types of Business Protection
Key Person Protection provides a lump sum to the business if a critical employee or director dies or becomes critically ill, helping cover lost profits or the cost of recruiting a replacement. Shareholder Protection ensures remaining shareholders can buy back shares from a deceased shareholder’s family, keeping control of the business with the people who run it. Relevant Life Cover offers a tax-efficient way for businesses to provide life cover for employees.
Why It Matters
Many businesses insure their premises and equipment but overlook the financial risk posed by losing a key individual. Business Protection helps make sure that an unexpected loss doesn’t also become a financial crisis for the business itself.
Planning Beyond the Business
As a business owner, your personal retirement planning is often closely tied to the value and protection of your business. Our advisers can consider both together as part of your wider financial plan.
Speak to a Business Protection Adviser
Free initial consultation, no obligation to proceed.
Retirement Professionals Ltd is an appointed representative of pi financial ltd, authorised and regulated by the Financial Conduct Authority. FCA number 622943.