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When business gets personal...

Protection isn't just for individuals; businesses need protecting too. It isn’t just about an insurance ‘product’ either, instead it is about providing a full corporate financial plan.

Key person insurance

Have you considered what would happen if you lost key people in your business?

Most businesses will insure their premises, vehicles and office equipment but if something were to happen, premises could be rebuilt, and products could be replaced. Replacing a key person is not nearly as easy.

If you're a business owner, ask yourself these questions...

  • Does your business rely heavily on one or two key individuals?
  • What would happen if one of them died or suffered a serious illness?
  • How would you retain control of the business?
  • How much money would you need to keep the business going?
  • Where would the money come from?

We can help you implement a wide range of options to help you protect your business from the unthinkable.

Shareholder protection

What if something happened to you or one of your shareholders?

This can be catastrophic, especially in family businesses where spouses or family members are reliant on income from the business.

Even if your major shareholders are not related, how would you feel if you knew you had no way of buying your business partner's shares, leaving his or her family in a potentially precarious position?

Even if personal life cover is in place, what would happen to those shares in your business? Do you have a written agreement as to what is to happen? If you can't afford to buy them where will they end up? How would you retain control of your business?

FMB can provide the answers to all those questions and help you and your shareholders plan for the worst.

Take the first step towards peace of mind - call us now on 01539 725855

Notices and promotions

  • What is...?

    Business Protection

    Business Protection helps protect your business from the financial losses incurred if a key person or shareholder should die or be diagnosed with a critical illness.

    Key Person - Profit Protection

    The policy proceeds are paid directly to the business to help replace a Key Person and recover the loss of profits that may occur.

    Key Person - Loan Protection

    The policy proceeds are used to help pay off any outstanding loans your business may have. These include bank loans or director loan accounts which need to be repaid on death.

    Share - Ownership Protection

    The policy proceeds are used to help buy the share of the business if an owner is diagnosed with a critical illness or dies.

    Call us now on 01539 725855 if you would like to speak to one of our financial planners about your business protection needs.

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Financial Management Bureau Ltd is a limited company registered in England and Wales. Registered office: Shenstone House, Helsington, Kendal, Cumbria LA8 8AA. Registered number: 02089786