Business Protection Insurance
Plan for the unexpected & ensure continuity within your business.
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What is Business Protection Insurance?
Business Protection Insurance helps cover the risks associated with losing key people within your organisation due to severe illness or death.
This can include the business owners themselves, key employees whose skills and knowledge are vital to the company’s operations, or even significant debt holders.
Types of Business Protection Insurance
- Key Person Insurance:
- Protects against the loss of a key employee.
- Covers loss of revenue and can assist with the costs of recruiting and training a replacement.
- Shareholder Protection:
- Ensures that remaining business owners can buy out the shares of a deceased or critically ill partner or shareholder.
- Maintains control among existing owners and supports business continuity.
- Business Loan Protection:
- Covers outstanding business debts if a key person or guarantor dies or becomes critically ill.
- Essential for businesses that have significant debt that could cripple the business in the event of an unexpected loss.
How Does Business Protection Insurance Work?
When a key person covered by the policy becomes critically ill or passes away, the policy pays out a lump sum amount.
This payout can be used to offset the loss of revenue, cover recruitment costs, or fulfil any financial obligations such as loans or shareholder buyouts, depending on the type of cover you have.
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