Insurance
Protect the business from losing the person it runs on.
Most businesses have one or two people they genuinely can't lose. Very few have a plan for it.
Free guide
The Key Person Cover Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
Key person cover pays the business a lump sum if someone critical dies or can't work. It buys time — to recruit, to steady revenue, to service debt while things settle.
The policy is owned by the business and paid to the business. That distinction matters.
How we help
How we protect the business.
01
We work out who's actually key.
Usually not who you'd guess.
02
We size it to the impact.
Lost revenue, recruitment, debt obligations, the lot.
03
We get the ownership right.
Business-owned, correctly structured, so it does what it's meant to.
04
We coordinate with your accountant.
Tax treatment matters here.
Get started
Protect the person the business runs on.
Tell us about the business. We'll help you work out who's genuinely key and size cover to the real impact of losing them.
No cost. No pressure. No obligation.
What it costs you
Nothing.
No — the insurer pays us a commission if you take out cover.
Common questions
Key person questions, answered.
Anyone whose absence would materially hurt revenue or operations. Often a technician or a salesperson rather than a director.
It depends on the impact, not the salary. We'll model it with you.
It depends on how it's structured. That's a conversation with your accountant and we'll be in it.
No — the insurer pays us a commission if you take out cover.
While we're at it
If a shareholder can't continue, who buys their shares?
Shareholders insurance funds the buy-sell so the answer isn't "nobody".