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Business Protection

Protecting Your Business

Most companies have a business continuity plan and take out insurance to help protect their
assets from fire, theft and so on. However, they can often overlook the need to protect their most
valuable asset – THEIR PEOPLE!

Business Protection can help to protect your business should a Director, Partner, Member
or Key employee suffer a critical illness or die. This valuable cover can be low cost and
even tax efficient.

Contact us today to discuss a tailored package to suit your business needs.

Key Person Cover

Protecting Your Profits

Safeguard the Business against the financial impact of a Key Person in the Business due to death, terminal or critical illness for a designated term. The loss of a key individual in your business can result in reduced sales, loss of profit, wasted time, recruitment costs and disruption to development plans or increased workload to remaining staff. All negatives that we here at Commercial Expert are sure your business can do without.

Speak to us today about who your Key Persons are to the business and we can tailor a plan to protect this outcome.

Relevant Life Cover

Death in Service benefits for Employees'

 

Relevant Life is Term Assurance life cover provided by Employers to grant an Employee
(including Directors) with Death in Service
benefits of Life or Life with Terminal Illness cover.

This type of cover can be a cost and tax efficient
vehicle to the Company and can aid in the retention of staff.

The benefits are written into a Trust with
the Employees family and dependants as beneficiaries.

Contact us today to discuss a tailored package to suit your business needs.

Shareholder Protection

Partner/Shareholder/LLP

Share Protection is designed to protect against the loss of one of the Business Owners, as it could destabilise
a business leading to serious financial difficulty or undue pressure.

Having this invaluable protection in place means the remaining
Partners/Directors/Members can stay in control of the Business.

A business evaluation calculator can be used to establish the value
of the Business and the correct level of cover required.

The policy can provide a sum of money to the remaining Business Owners.
A pay-out can be used to purchase the deceased or critically ill Partner’s share/interest from their nominated beneficiary.

Contact us today to discuss a tailored package to suit your business needs.

Business Loan Protection

Protecting your Company Debts

 

Designed to help repay outstanding financial commitments such as Director’s Loan Accounts, Commercial Loans and
Mortgages or Bank Overdrafts if the worst should happen to a Key Person or Shareholder.

Contact us today to discuss a tailored package to suit your business needs.