We’ll get to know your business, your role, and what your biggest risks and goals look like.
Business Protection That Supports Your Company and Plans
We provide clear, independent advice to help you protect the people your business relies on and plan for the financial or ownership impact if the unexpected happens.
Our Solution
You’ve Built Your Business, Is It Protected Against the Unexpected?
Your business may depend heavily on key people and shareholders. But what would happen if someone important to its success died or became seriously ill?
Business Protection can’t prevent the unexpected, but the right cover can help your company manage the financial or ownership challenges that could follow.
Business protection insurance that fits your company structure.
How We Help
Our Approach to Business Protection Advice
At AS Financial, we don’t jump to products. We take the time to understand your company’s structure, key people and priorities.
Then we provide clear, practical guidance on the risks your business may face and the protection options that could be relevant.
Whether you’re protecting a key person, planning for changes in business ownership or considering Relevant Life Insurance, we’ll help you understand your options and what may be appropriate for your business.
It’s practical, human advice, not product-led sales.
Where Could Your Business Be Vulnerable?
Before looking at protection options, it helps to understand where losing a key person could leave your business exposed. We consider these risks alongside your company structure and existing arrangements before helping you understand what protection may be appropriate.
Some of the things to consider include:
Key people
Who does your business rely on for income, expertise or important relationships?
Financial impact
What could happen to revenue, cash flow or costs if they couldn’t work?
Replacement
How quickly could you replace their role, and what might that cost?
Ownership
Could the death or serious illness of a shareholder create uncertainty around the future of the business?
What You Need to Know
Business Protection: What Could Your Company Need to Protect?
Different businesses face different risks. The right protection depends on your company structure, the people it relies on, and what you want to protect. Our advice focuses on five key areas:
Relevant Life Insurance
A tax-efficient way to provide individual life cover to company directors or employees, without impacting their personal tax allowance.
Executive Income Protection
Provides tax-efficient cover for a director’s income if illness or injury stops them working – paid by the business to protect salary and cash flow.
Key Person Cover
Protects your business financially if a key director, employee or shareholder can no longer work due to illness or death.
Shareholder or Partnership Protection
Ensures surviving owners can buy back shares if a co-owner dies or becomes critically ill, so control stays with the business, not an outside party.
Business Loan Protection
Helps repay business debts if a guarantor or key stakeholder is lost, keeping repayments under control and creditors at ease.
Our Process
How We Work With You
01/
Discovery Meeting
02/
Risk Review
We consider your company structure, key people, ownership and existing arrangements to understand where the business could be financially vulnerable.
03/
Explore Options
We explain what protection exists, what’s relevant for your setup, and how tax and ownership might factor in.
04/
Apply With Support
We handle the paperwork, coordinate with insurers, and support any underwriting or provider questions.
05/
Stay Connected
As your business grows or changes, we’re here to review and adapt your protection accordingly.
Highly recommend this company. Chris D’Arcy went above and beyond to find an income protection policy that suited my specific needs and put a lot of time and diligence into doing so. Always available for updates and follow-up calls, I have secured both my mortgage and income insurance through them and will be going back to them for other insurances.
Daniel Gibling
We recently used AS Financial for help securing life assurance policies following our recent house purchase. Chris D’arcy was really helpful in explaining our different options and making recommendations that were clear and made sense. Would happily recommend him to others.
Nick Short
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Business Protection FAQs
Do I need business protection if I already have personal life insurance?
Personal Life Insurance and Business Protection are designed to address different financial risks.
Personal Life Insurance is generally intended to provide financial protection for your personal circumstances, while Business Protection is designed around risks affecting the company, its owners or key people.
Whether additional protection is appropriate will depend on your personal and business circumstances and any cover already in place.
What if my business is just me?
Your protection needs will depend on how your business is structured and the financial impact if you were unable to continue in your role.
For owner-managed businesses and limited company directors, there may still be protection options worth considering.
We can review your circumstances and company structure to help you understand what may be relevant.
Is business protection expensive?
The cost will depend on the type and amount of cover being arranged, as well as the circumstances of the person being insured.
Rather than starting with a particular product or level of cover, we look at the risk you’re trying to protect and help you consider suitable options within your budget.
Can I combine business protection with other cover?
That will depend on the risks you’re looking to protect against.
Key Person Cover can help address the financial impact of losing someone important to the business. Shareholder Protection relates to changes in ownership following certain events, while Relevant Life Insurance can provide individual life cover for an eligible employee or director.
We can review your company structure, key people and existing arrangements to help you understand which options may be relevant.