Business Protection Made Easy

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Business Protection

Many businesses have commercial insurance in place. However relatively few cover the biggest financial threat to the business – the loss of people that are key to its success.

Business Protection insures against this risk and makes the business more financially resilient should the worst a happen.

It forms an important part of Business Continuity Planning and protects the current and future financial plans for the business.

Business Protection – Made Easy

In simple terms, Business Protection plans are made up of what are essentially every day insurance products such as –

  • Life Insurance
  • Critical Illness Cover
  • Income Protection

These are re-purposed to create products such as –

  • Shareholder Protection
  • Key Person Cover
  • Debt Cover

These help the business –

  • Protect ownership and control
  • Protect protect profit
  • Repay and/or service debt

In the event of a claim, the business will receive a much needed cash injection to minimise any disruption.

This could be used to protect profit, cover the costs of finding a replacement / locum or repay outstanding debts.

Business Protection – Employee Benefits

There are also some policies which are treated as employee benefits.

Namely these are –

  • Relevant Life Plans (Life Cover)
  • Executive Income Protection (Sick Pay)

Premiums for these policies are paid for by the business and are usually  

  • Completely Tax Deductible for the company 
  • Not treated as a P11D Benefit in Kind for the employee. 

As these products are available to salaried employees, in many cases this can include the  Business Owners themselves.

This could therefore provide a tax efficient way for Business Owners to protect their income and their families without affecting their personal disposable income.

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Your Easy Route To a Secure Future

Getting your dream home is important, but keeping it is paramount. Life is unpredictable and unforeseen circumstances can arise.There are many risks that could cause a financial threat to you, your family and your home. That's where we come in.

Easy Street is all about financial security. We will highlight the key risks and solutions that could help you safeguard your financial future. With access to a range of providers, you could access benefits such as 24/7 Doctor access, discounted gym membership and rewards for living a health lifestyle, It's not just your financial health we've got covered.