What is business protection?

Business protection could help client owned businesses continue to trade should a key person or business owner die or become terminally or critically* ill. Proceeds from the policy could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner's/director's estate are purchased.

Whether they provide expertise, contacts or other assets, losing a key person can be very damaging. The business could be hit by a loss of profit, reduced sales, recruitment/training costs and disruption to their plans to name but a few potential problems.


Many believe arranging business protection to be a lengthy and complicated process. Actually, the principles are similar to any other type of protection.

The most significant differences are:

  • Business protection generally incorporates higher sums assured.

  • A claim may be paid to a business, not a family member.

Types of business protection


We offer four main types of business protection:

  • Key Person Protection (profit protection)

  • Partner/Director/ Limited Liability Partnership Share Protection

  • Business Loan Protection

  • Relevant Life Plan 

As with all types of insurance, limitations and exclusions apply.


Types of policy

  • Term assurance

  • Term assurance plus critical illness cover

  • Whole of life protection plan


All policies can be set up in Trust.

Reasons to Sell Business Protection


There are many compelling reasons for a business to take out a protection policy. Your clients could benefit both today and in the future.


  • Added peace of mind that the business could be financially secure.

  • Helps protect a partner or director’s financial share in the business in the event that they fall terminally or critically* ill or die.

  • Eases the pressure on business owners to return to work quickly should they fall critically* ill.

  • Provides evidence of good practice.

  • Demonstrates proof of an effective disaster recovery strategy, which helps reassure customers that the business is stable.


* If critical illness cover is chosen as an additional option.

Contact us

Insure 2B Sure

45 Langley Park Road




Make an appointment

You can make an appointment for a no-obligation consultation by calling:


Tel: 0776-967-1168

Tel: 0208-642-5273


Or use our online contact form