Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

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David Hindmarch

Mortgage & Insurance consultant

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Business protection cover is a crucial part of the financial planning process for your business. Unfortunately, it is one area that is often overlooked.  

Of the five options below, what would have the worst effect on your business?

1. Your business mobile phone is stolen

2. The photocopier breaks down

3. Your premises are broken into and vandalised

4. A business vehicle is written off

5. Your co-owner has a heart attack

If your business is like most in the UK then it probably has got insurance for 4 of these 5 events. But what would the consequences to your business be if the worst thing on the list happens - your co-owner, shareholder, business partner etc suffers a serious illness or dies?

This could have the potential to cause significant financial problems for your business.  

For example: Possible impacts:

•Your business may have to run without one of the key people who contribute to its success.

•The shareholder may be unable to return to work for quite some time - if at all.  However, they may still   expect to receive an income from your business despite being unable to contribute.

•You may need to recruit and train a temporary replacement - therefore paying 2 salaries instead of 1.

•They may also wish to sell their shares if they decide not to return to work.  How would the other   shareholders be able to buy them out?

Do not leave it to chance. Take steps to protect your business today.

Business protection can provide funds on the death of a shareholder. A legal agreement ensures that these funds can then be used to purchase the deceased's shares in the business from their estate. A similar payment can be made if one of the shareholders suffers a critical illness.

You should also consider those key employees who are pivotal to the continued success of your company; a Sales Director who is responsible for all your new business, or perhaps a Finance Manager who knows the books inside out? What would happen if they suddenly could not work anymore because of serious ill health or worse?

If you would like to know more information regarding Business Protection Insurance and to provide you with a personalised quotation Please Contact Me.

Business Insurance Advice Adviser Broker in Bournemouth, Christchurch, Poole, Highcliffe, New Milton, Lymington, Ringwood, Ferndown, Dorset and Hampshire.