Business Protection

For intermediaries only

Helping protect your clients' businesses and expand yours

Business continuity and succession planning may not be high on the priority list of many businesses. However, losing a key employee could have a devastating effect financially on a business. And while business succession planning is a key part in protecting the stability and continuity of a business, frequently little or no consideration is given to this planning.

With 5.7 million businesses in the UK1 - each with their own specific financial needs - make sure you're not missing out on a great opportunity to grow yours.

1Department for Business, Energy & Industrial Strategy – Business population estimates for the UK and regions 2018

Business protection made easy

Our new business protection toolkit is here

We're here to help

Business protection isn't as complicated as you might think. We’ve developed a new Business protection toolkit – giving you all the support and information you need at your fingertips to understand, discuss and write business protection. 

Our Business Protection menu

Our Business Protection menu is one of the most flexible and comprehensive products in the market. It offers:

  • a range of main benefits including life protection, reducing life protection, critical illness protection, life with critical illness protection, reducing life with critical illness protection, key person income protection and executive income protection - total permanent disability is also available with critical illness benefits;
  • an immediate cover facility (ICF) if business protection is urgent - we can put 60 days’ cover in place immediately while we request any routine medical information for up to £3.5 million for life protection and £1.5 million for critical illness protection; 
  • the option to protect payments if the insured person can’t work due to sickness or accident for a lengthy period;
  • guaranteed insurability options – allowing a business, in certain circumstances, to increase the insured person's benefit amount because their circumstances have changed, and
  • access to a key person replacement service, provided by our partners Cazden. This is in addition to our existing health and wellbeing service provided by our partners Health Assured.

You can see what additional options are available for each of our main benefits in our Business Protection Summary of benefits(Opens new window)

Specialists in our field

Dedicated protection consultants - We provide a high level of adviser support to help you navigate the protection market. At a time when some providers are cutting back their support in this area, we're fully committed to giving you the best level of support we can. We were recently named Best Intermediary Support Team at the COVER Customer Care Awards 2018.

Underwriting - our dedicated underwriting teams are experts in their fields, so we can make sure that even the most complex scenarios are catered for. Our large sum assured team deals with larger cases of over £1.5 million life protection, £750,000 critical illness protection and total permanent disability and £40,000 a year income protection.

Customer service - We employ a dedicated team of protection experts in our customer service centre, making it much more than just a call centre. This means you’ll always be speaking to people who understand protection and the business you’re in.

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Personal Protection

Find out more about our Personal Protection menu.

Relevant Life

Learn about this employer-funded, tax-efficient life protection.

Whole of Life

Learn about life protection that can help protect an inheritance tax liability.