Business Protection
Don’t gamble with your business. Business Protection gives your company the financial security it needs when life throws the unexpected, helping you safeguard profits, repay loans, and keep the business on track.
When should I think about Business Protection?
If you own or run a business, it’s never too early. Business Protection becomes vital when your company relies heavily on a few individuals – whether that’s a director who makes key decisions, a top salesperson who drives revenue, or even you as the business owner. It’s also especially important if you’ve taken out loans, signed personal guarantees, or have shareholders and staff depending on the stability of the business. The truth is, the earlier you put cover in place, the better protected your company will be.
Why is it important?
Because businesses aren’t just about buildings, products, or services – they’re about people. If a key person suddenly became seriously ill or passed away, the financial and operational impact could be devastating. Contracts may be lost, lenders could call in debts, and the future of the company might be uncertain. Business Protection ensures there’s a financial cushion to steady the ship, giving you time to adapt without risking everything you’ve built. It protects profits, secures ownership, and gives confidence to employees, customers, and investors that the business can survive tough times.
What if I don’t have Business Protection?
Without cover, your business is left financially exposed. If a key person were to die or become critically ill, the company could face:
- Losing valuable income and skills overnight
- Struggling to repay loans or meet commitments
- Ownership disputes if shares pass to family members outside the business
- Low staff morale and uncertainty about the future
Many businesses find themselves under huge pressure, and some don’t survive. Business Protection doesn’t just cover the financial risks – it gives you and your team confidence that the company can keep moving forward, even if the unexpected happens.
Don't put off protecting your business, it's your livelihood at risk.
Your business is more than just work, it’s your livelihood, your legacy, and the stability your team depends on. Don’t gamble with its future. Talk to KeyFS today and let us guide you through your Business Protection options, so you can carry on with confidence knowing you’re covered if the unexpected happens.
Insurance answers
We know talking about insurance isn’t always easy, but protecting your family’s future is one of the most important financial decisions you can make. At KeyFS, we’re here to make it simple, clear, and completely transparent.
Paul and Aynsley help families every day to find cover that gives peace of mind - whether that’s life insurance, critical illness cover, or income protection. Below, we’ve answered some of the most common questions people ask when thinking about protecting the people who matter most.
If your business has loans or overdrafts, lenders often expect them to be repaid if a key person dies. Without protection, this responsibility could fall back on surviving partners or family members. Loan protection ensures those debts are cleared.
Every business has individuals it relies on – whether for knowledge, client relationships, or leadership. Without key person protection, losing them could hit profits hard. Cover helps provide a financial cushion to keep things running while you find solutions.
Without cover in place, you might need to borrow money or sell assets quickly, which can destabilise the business. Shareholder protection gives you the funds to buy out their share smoothly, keeping control of the business in the right hands.
If a key person in your business became seriously ill or passed away, the financial impact could be huge. Without business protection, your company may struggle to cover running costs, repay debts, or even continue trading.
It's time to make the right choice for yourself and your family.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters.
Contact Us
We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances.