Insurance for businesses, people & families, giving you peace of mind & protection.
Working together we aim to give complete peace of mind.
Welcome to
We are here to help you and your business have consistency and continuation. Working together we aim to give complete peace of mind.
To make things simple we have separated our offering into 3 key areas of protection, with products to suit;
Business Protection
- Shareholder Protection
- Executive Income Protection
- Business Loan Protection
People Protection
- Key Person Cover
- Key Person Income Protection
- Relevant Life Cover
Family Protection
- Life & Critical Illness Plan
- Private Medical Insurance
- Family & Personal Income Cover
Commercial Insurance
Select from our suite of commercial insurance products, from property to hospitality.
Starting with the biggest,
your Business
Unfortunately however, life has a habit of throwing the occasional and unexpected curve ball. Business partners can become ill and need time away from work, or sadly can die. These unfortunate but all too common circumstances can change the fundamental structure of a company.
Business protection is here to help keep these circumstances away from affecting the business and work can carry on as usual.
Shareholder Protection
If a business shareholder dies, is diagnosed with a terminal illness or a critical illness, if that option is chosen, Share Protection can provide a sum of money to the remaining business owners which they can use to help buy the deceased or critically ill business owner’s interest in the business.
Executive Income Protection
Helping small business clients by protecting against the financial impact of their employees’ incapacity on the business. Cover can include the employee’s earnings, dividends & P11D benefits. Additional cover can be arranged at an additional cost to cover employer pension contributions & National Insurance (NI) contributions.
Business Loan Protection
Business Loan Protection helps your client pay an outstanding overdraft, loan or commercial mortgage, after the death or diagnosis of a terminal illness (life expectancy is less than 12 months) or critical illness, if chosen, of the loan’s guarantor, while the policy is in place.
Next we move on to the most important part of any business,the People
Every business has people within it whose skills, knowledge, experience or leadership make a big contribution to its success. And if lost, there would often be an immediate financial impact.
Our protection products can be used to meet the cost of hiring a temporary replacement, protect lost profits, or support any ongoing loan repayments.
Key Person Cover
Helps safeguard a business against the financial effects of death, terminal illness, or critical illness if that option is chosen, of a key person while the plan is in place.
Key Person Income Protection
Every business has employees whose skills, knowledge, experience or leadership make a big contribution to its success. If lost, there could often be an immediate financial impact. This can be used to meet the cost of hiring a temporary replacement, protect lost profits, or support any ongoing loan repayments.
Relevant Life Cover
A Relevant Life Plan is a life insurance plan available to employers to provide an individual death in service benefit for their employees.
Finally the ones you love and want to protect most,your Family
This is why there is a suite of products and services that can help those you love most!
Life & Critical Illness Cover
Because death or serious illness could happen to any one of us, we’ve made sure our cover can be tailored to everyone, without compromising on quality of protection. Whatever your finances, whether they’re single or have a large family, we have cover to suit different budgets and needs so they can choose the option that’s suitable for them.
Private Medical Insurance
Private Medical Insurance (PMI) gives you fast access to high-quality private medical facilities and medical treatments, at a time and place that suits you. It also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions.
Family & personal Income Cover
From mobile phones and pets, to cars and even fridges, people protect everything except themselves, their lifestyle and what pays for it. For example, people are four times more likely to have pet insurance than income protection. If you don’t insure your income, how can you pay for everything else?