Protecting business continuity
A business can be significantly affected by the loss, disability or severe illness of a key person or owner. We help business owners understand the solutions available to manage this risk — from key-person cover to buy-and-sell agreements that support an orderly transfer of ownership.
These solutions are structured around the specific ownership, operational and financial structure of each business.
What We Help You Consider
- Key-person protection
- Business life cover
- Buy-and-sell protection
- Business continuity
- Business disability and severe illness protection
- Protection for business owners and employees
In Detail
1 Key-Person Protection
- Cover on individuals critical to business operations or revenue
- Helps offset the financial impact of losing a key person
- Supports business stability during a transition period
2 Buy-and-Sell Protection
- Funds the transfer of a deceased or incapacitated owner's share
- Structured according to shareholder or partnership agreements
- Supports an orderly change in ownership
3 Business Continuity
- Financial support to maintain operations after a disruptive event
- Considers contingent liabilities and cash-flow needs
- Coordinated with broader business risk planning
4 Disability & Severe Illness Protection
- Cover for business owners and key employees
- Supports the business through a qualifying event
- Can be structured alongside personal protection cover