Keep Your Business Running, No Matter What
Business protection ensures your company can survive unexpected events — like the death or illness of a key person, shareholder, or director.
Be Prepared
What is Business Protection?
Business protection covers the financial impact if someone vital to your business — such as a co-founder, key employee, or shareholder — becomes critically ill or passes away.
It includes policies like Key Person Insurance, Shareholder Protection, and Relevant Life Cover — each designed to protect your profits, ownership, or ability to continue trading.
Whether you’re a sole trader, limited company, or partnership — we’ll help you protect what you’ve built.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Protect Key People
We identify who’s essential to your business and make sure their absence wouldn’t create a financial gap.
Safeguard Ownership
With Shareholder Protection, remaining owners can buy back shares if one dies or becomes critically ill — avoiding disputes or third-party takeovers.
Cover Business Loans
Some policies pay off outstanding loans or credit lines, so your company isn’t left with unaffordable debt.
Tax-Efficient Options
We help you explore products like Relevant Life Cover — offering protection for directors and staff with possible corporation tax advantages.
Benefits of Using a Broker for Business Protection
Be Prepared
Things to Consider With Business Protection
Who Are the Key People?
We’ll walk through your org chart and financials to find out who’s indispensable — and the impact of losing them.
Valuing the Business
Getting the right cover amount depends on business valuation. We help you make informed estimates based on turnover, profit, and liabilities.
Policy Ownership
We guide you on whether the policy should be owned by the business, an individual, or a trust — so payouts go to the right place.
Partnership Agreements
If you’re in a partnership or have shareholders, we’ll make sure legal agreements align with your protection policies.
Health and Age of Individuals
As with personal cover, age and medical history play a role. We’ll manage the application and help present your case clearly to insurers.
FAQs
What’s the difference between Key Person and Shareholder Protection?
Key Person cover protects against the financial loss of an important employee or owner. Shareholder Protection ensures remaining owners can retain control of the business.
Can I get cover if my business is new?
Yes — many insurers offer cover based on projected turnover or financial forecasts. We’ll help present your case clearly.
What happens if the business closes down?
If the business ceases trading, the policy can be cancelled or potentially transferred — we’ll explain your options depending on the cover.
Can I insure multiple directors or employees?
Absolutely — we can help you set up cover for several people, each with their own policy and benefit amount.
Is business protection tax deductible?
Some types, like Relevant Life Cover, may be deductible — we’ll help you explore tax treatment with your accountant or adviser.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
Newsletter
Receive Usefull Tips for Free
Sign up to our newsletter using the form to receive weekly tips about mortgages.
Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester