Are you a business owner?
If you own a business, protecting it - and the people who keep it running - is essential. We have access to a wide range of tax-efficient business protection solutions, tailored to your specific needs. Our advice is always specialist and bespoke, ensuring the right cover is in place for business owners, key individuals, and employees.
Business protection can cover:
Owners, in case they are unable to work
Key people the business relies on
Employees, through benefits such as death in service and sick pay protection
Key benefits of business protection include:
Enhancing your company’s appeal when recruiting, helping you stand out to potential employees
Improving staff retention by offering valuable, meaningful benefits
Providing an alternative to pay rises, delivering greater value to employees, while avoiding increased National Insurance costs for employers
Tax efficiency, with policies owned and paid for by the employer; premiums may qualify for corporation tax relief and can reduce National Insurance liabilities
No P11D implications, meaning no additional tax for employees and less administrative burden for employers
Financial security for employees and their families, with death benefits paid into trust for nominated beneficiaries and sick pay benefits paid to the employer to support continued salary payments during absence
