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Basics of Business Protection

The fundamentals explained

What is business protection?

Arranging business protection is often thought to be lengthy and complicated. But actually, the principles are similar to any other type of protection.

The most significant differences are:

  • Business protection generally incorporates higher sums assured; and
  • A claim may be paid to a business, not a family member.

Business protection could help client owned businesses continue to trade in the event of a key person, partner or director falling terminally or critically* ill or dying.

Types of protection

We offer three main kinds of business protection:

  • Key Person Protection - continuation planning
  • Partner/Director Share Protection - succession planning
  • Business Loan Protection

Types of policy

Business protection can be written in three ways:

  • Term assurance
  • Term assurance plus critical illness cover
  • Whole of life

All policies can be set up in trust.


* If critical illness cover is chosen as an additional


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