Insurance
Business Insurance
You’ve poured heart, soul, and late nights into your business. We help you build a solid, jargon-free safety net around it, keeping control exactly where it belongs.
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No Corporate Waffle
Why protect your hard work?
When you run a company, you aren’t just looking after your clients. You support your business partners, employees, and your own family’s financial future. If life throws a sudden curveball, business protection acts as a reliable financial safety net to make sure the firm survives, control remains secure, and your hard work is preserved.
Our Protective Shields
Simple solutions for complete peace of mind
Shareholder Protection
If a business partner passes away or becomes critically ill, who inherits their shares? Without cover, their family might inherit a chunk of your firm, demanding dividends or trying to make major decisions.
This policy pays out a tax-free lump sum directly to the remaining partners, giving you the immediate cash to buy back those shares. The family gets a fair, quick payout, and you retain total control of the ship.
Guarantees absolute control retention
Ensures family receives fair cash value quickly
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Key Person Cover
We all have that crucial team member. The technical wizard, the top-tier sales executive, or the founder whose expert insights keep everything ticking nicely.
If they were to fall critically ill or pass away, the impact on your cash flow and client confidence could be severe. Keyperson cover pays a cash lump sum straight into your business account, helping you cover temporary lost revenue and recruit a high-quality replacement.
Offsets high recruiter and contractor costs
Maintains vital confidence with your key clients
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Yorkshire Born & Bred
We’re right here on your doorstep in Barnsley. No call centers, just friendly local experts.
Fully Jargon-Free
We break complex policies down into simple, straightforward, and easy-to-understand choices.
Fully Regulated
Regulated by the Financial Conduct Authority (FCA) for ultimate peace of mind.
Your questions, answered clearly
Straightforward answers without the industry jargon.
Do we really need Shareholder Cover if we have a legal agreement?
Yes! A legal agreement dictates *what* should happen, but it doesn’t provide the cold, hard cash to make it happen. If you suddenly need to buy out a partner’s family, shareholder cover provides the immediate, tax-free lump sum needed to pay them fairly and keep the business running smoothly.
Is Key Person Insurance a business tax deduction?
In many cases, yes! When Key Person cover is written to protect revenue losses, the premiums are typically treated as an allowable business expense for Corporation Tax. Our qualified advisors can structure this cleanly based on your setup.
How easy is it to set these policies up?
It’s incredibly straightforward. We have a brief chat to understand your team structure and company setup, handle the research to find the best premiums across leading insurers, and take care of all the tricky paperwork for you.
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