Business risk management
Most businesses depend on a few key people. If one of them dies or becomes seriously ill, the impact shows up quickly in cash flow, lending, ownership and staff. The right cover helps the business carry on.
Each is a different kind of risk, with a different solution. We'll help you work out which matter most for your business.
What if we lost the person the business relies on?
Pays the business if someone critical to its success dies or becomes seriously ill or disabled. The money can cover lost revenue, the cost of recruiting a replacement, or reassure lenders and customers.
What happens to an owner's share?
Provides funds so the remaining owners can buy the share of an owner who dies or becomes seriously ill or disabled. Their family receives fair value, and the business stays with the people running it.
Who repays the loans?
Repays business loans, or debts you've personally guaranteed, if an owner dies or becomes seriously ill or disabled. It helps protect the business and your personal assets, such as the family home.
How would the bills get paid?
Helps meet fixed costs such as rent, wages and utilities if an owner can't work because of illness or injury, so the business can keep going while they recover.
We're happy to work with your lawyer and accountant, so the cover and the agreement line up and everyone knows what happens if the worst occurs.
Tell us about your business, your people and what you're worried about.
We look at ownership, key people, debts, guarantees and any existing agreements or cover.
You get practical options in plain language, with costs clearly explained.
We help set it up, and review it as the business grows or ownership changes.
Let's talk
Book a time with us to talk through the risks in your business and what it would take to protect it.
