Business Protection Services


Protection insurance policies to cover the most important aspects of our clients business including life insurance to cover essential members of staff, directors or partners (Keyman Policy) to reduce the risk of impact to the business. As well as standard business insurance, we have a network of specialist insurance brokers who specialise in niche business sectors; where the insurance requirements are so individual, out of the ordinary that only a specially devised bespoke insurance scheme can provide the required level of cover adequately. Our specialists have the knowledge and experience in niche business sectors from service stations to care homes. They can provide valuable insight into the risks involved within your specific business and strategies to protect those risks. 
Shareholder Protection
Shareholder protection protects each of the shareholders. On the death or diagnosis of a critical illness of a shareholder, the other shareholders receive a cash lump sum which can then be used to buy the affected shareholder’s shares.
This method ensures that the shareholder’s family receive their part of the inheritance as quickly as possible whilst there is minimum disruption to the company
Best Doctors®
Best Doctors® access the best medical knowledge in the world to confirm your diagnosis and treatment options, reaching out to the global medical community on your behalf. Have your medical reports and scans reviewed in-depth by the world's best doctors. Fly out to get treatment from the best doctors globally, identified and recognised as the leading experts for specific medical conditions.
Services include
  • Director Share Protection
  • Partnership Protection
  • Keyman Protection
  • Relevant Life
  • Shareholder Protection
  • Landlords Insurance
  • Business Insurance
  • Life Insurance
  • Complex Case Specialists
  • Niche Business Protection Specialists (Care Homes, Service Stations etc)
  • Commercial Buildings Insurance
  • Group Private Medical Insurance
Keyman Protection
Is an important form of business insurance. It can be described as an insurance policy taken out by a business to compensate for financial losses that would arise from the death or extended incapacity of an important member of the business. It is a form of life insurance,  that is used for business succession or business protection purposes.
The policy's term does not extend beyond the period of the key person’s usefulness to the business. Keyman Insurance policies are usually owned by the business and the aim is to compensate the business for losses incurred with the loss of a key income generator and facilitate business continuity. Key person insurance does not indemnify the actual losses incurred but compensates with a fixed monetary sum as specified in the insurance policy.
Many businesses have a key person who is responsible for the majority of profits or has a unique and hard to replace skill set such as Intellectual Property that is vital to the organisation. An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. The employer does this to offset the costs and losses which the employer is likely to suffer in the event of the loss of a key person.
Group Private Medical Insurance
Group Private Medical Insurance, also known as Group Private Health Insurance, allows you as an employer to pay for private medical care for your employees. Some policies give the option to choose when, where and by which specialist they are treated, in addition to comfortable private rooms if their treatment requires a hospital stay.
Landlord Insurance
When you become a landlord, standard buildings and contents insurance is no longer enough. If you fail to tell your insurer that you have rented out your property, they will flatly refuse to pay any claim you subsequently make. Whether you are renting out your home or building a portfolio of buy-to-let properties, you will have a lot of money tied up in the property. You, therefore, need specialist landlords insurance.
Key Features
  • Independent, whole of the market
  • Exclusive rates not available from mainstream banks and financial institutions
  • Both UK and International
  • Best Doctors® services included on some policies
  • Bespoke service with policies created around you and your employees' needs
  • Additional perks for employees included with most policies
  • Complex case specialists with experience in pre-existing conditions