Protect your business from the impact of losing a key person with my comprehensive commercial insurance. The sudden loss of a sole trader, owner, partner, or key employee can seriously affect profits and stability, and may lead to urgent loan repayments. Key Person Cover helps safeguard your business and its future.

Protect Your Business with Strategic Insurance Solutions

Ensure your business remains resilient and prepared for life’s uncertainties. Our comprehensive business insurance options are designed to safeguard you and your business when it matters most.

The 3 main business plans are:

Ownership Buyout Cover

• Secure funding for buy-sell agreement commitments if a business owner faces death, terminal illness, or total disability.
• Enables a smooth transfer of ownership, protecting both the business and stakeholders.
• Exclusively available for multi-owner businesses; not suitable for sole traders.

Debt Protection Cover

• Provides immediate funds to repay business debts in the event of death, terminal illness, or disability of an owner, employee, or sole trader.
• Shields your business from financial disruption and potential urgent loan repayments.

Permanent Loss of Key Person Cover

• Delivers a crucial capital injection if a key person or sole trader is lost due to death, terminal illness, or disability.
• Supports ongoing business stability, helping maintain cash flow while you address leadership or skill gaps.

Choose a plan that fits your business needs, and protect your future with confidence.

The key benefits outlined are provided as a general guide only. The availability, scope, and terms of cover—including limits, conditions, and exclusions—vary between insurers and individual policy wordings. We’ll guide you through the options and confirm the specific benefits relevant to your cover before any decision is made.