Business protection. For the people who keep it running.
Your business and your household may depend on the same people. Neil helps you plan cover for the business, the owners and the income that supports life outside work.
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“Me and my wife have a business and needed additional cover … he was extremely knowledgable on all of the products we would need both for business and personal use”
Cover, exclusions and benefits depend on the policy and your circumstances.
What would be hardest to replace?
Start with the people, commitments and income your business relies on.
A key person
The knowledge, relationships or work that one person brings.
An owner or partner
The decisions and ownership arrangements behind the business.
Your income
The earnings that support your household as well as your working life.
Different cover. Different parts of the business.
Protect the business.
Key person cover
Financial support following the death of a key person or a covered critical illness, where included.
Business loan protection
Help to repay business borrowing following an eligible claim.
Support your people.
Executive income protection
Company-arranged cover that can help fund sick pay for an insured director or employee.
Relevant life cover
Employer-paid life cover for an eligible employee or director, supporting their beneficiaries.
The right arrangement depends on your business structure and the policy terms.
Ownership matters too.
Cover can help provide funds to buy an owner’s share following an eligible claim. The insurance needs to work with the legal agreements.
Talk through your ownership arrangementsFirst, understand how your business works.
You don’t need to arrive with a list of policy names.
Start with your circumstances
We discuss the people, borrowing, income and cover you already have.
Explain the options
Neil talks through what each policy is for, who it protects and the important terms.
Stay involved
Help with the application, reviews and the claim process when you need us.
“Absolute 10/10 communication - they always take time with you to answer questions, or give advice anytime we’ve needed it.”
Tax treatment and legal arrangements depend on your circumstances. We can discuss where advice from your accountant or solicitor is needed.
Already have cover? Ask about a policy reviewBusiness protection, explained.
Is this buildings or public liability insurance?
No. This page covers protection linked to the people in your business. Premises, equipment and liability need different insurance.
Can you help if I’m a sole trader?
Yes. Your business structure affects the cover available. Neil can help you consider personal income protection and relevant business risks, and explain which arrangements suit a sole trader.
Can the company pay for cover?
Some policies are arranged and paid for by the company. The appropriate setup depends on the policy, who is covered and the purpose of the cover. Tax treatment depends on your circumstances; your accountant may need to advise.
Can you review what we already have?
Yes. Bring details of your existing policies and any changes to the business. Neil can review how the cover fits your current needs. Keep existing cover in place while changes are being considered.
Let’s talk about your business.
Speak to Neil by phone, video call or at our Rathfriland office.
Call 028 4176 9769