Business Protection

Protect the Business You’ve Worked So Hard to Build

Your company depends on key people. We help owners protect against the loss of a key person and reward top talent with key person coverage and executive bonus plans from A-rated financial companies.

Why it matters

Every business has people it can’t easily replace. Planning for that today is how you protect your team, your customers and everything you’ve built.

Why it matters

Keep your business strong, even when the unexpected happens.

If an owner, partner or top performer suddenly passed away or became unable to work, could the business keep running? Lost revenue, lender concerns and the cost of finding a replacement can hit hard.

We help you identify your key people and put protection in place, then use tools like executive bonus plans to help you attract and keep the leaders who drive your growth.

Help cover lost revenue and replacement costs if a key person dies

Reassure lenders, partners and investors

Reward and retain top talent with executive bonus plans

Support a smoother transition if an owner passes away

Is it right for you?

Signs your business needs protection

If any of these describe your company, a free review can show where you’re exposed, and the options that could help.

You rely on key people

One owner, partner or top performer drives a large share of your revenue.

You have business partners

Plan what happens to ownership if a partner passes away unexpectedly.

You carry business loans

Lenders may want assurance the business can continue if a key person is lost.

You want to keep top talent

Offer executive benefits that reward loyalty and make your company harder to leave.

Your company is growing

Protect the momentum you’ve built as more people and revenue depend on you.

You’re planning an exit

Prepare for succession so the business you built can carry on.

Business Protection Solutions

Explore your business protection options

Every business depends on different people. Compare your options below, or book a free call and we’ll help you choose.

Key Person Insurance

Life insurance your company owns on its most important people, to protect revenue and continuity.

Explore Key Person Insurance →

How we help

A clear path to protecting your business

No pressure and no jargon. Just a simple process built around how your business really works.

01

Learn

We learn about your business, your key people and your goals in a free 30-minute call.

02

Structure

We compare key person and executive bonus options from A-rated financial companies and explain how each would work.

03

Protect

You choose the plan that fits. We help you put it in place and review it as your business grows.

Free guide

The Business Owner’s Protection Checklist

A short checklist to help you find the gaps in your business’s protection plan, before an unexpected loss exposes them.

How to identify your key people

Key person coverage vs. executive bonus plans

Questions to ask before you choose a policy

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FAQ

Business protection questions, answered

Still have questions? Book a free consultation and we’ll walk you through your options.

What is key person insurance?

Key person insurance is a life insurance policy the business owns on an important owner or employee. If that person passes away, the business receives the benefit to help cover lost revenue, debts or the cost of finding a replacement.

Who counts as a key person?

Anyone whose loss would seriously affect your revenue or operations, such as an owner, partner, top salesperson or someone with specialised skills or relationships.

What is an executive bonus plan?

An executive bonus plan lets a business pay the premium on a life insurance policy owned by a key employee, as a bonus. It’s a flexible way to reward and retain top talent. Tax treatment varies, so we recommend confirming details with your tax professional.

How much coverage does my business need?

It depends on the person’s contribution to revenue, replacement costs and any business debts. We’ll help you estimate a sensible amount.

Is this only for large companies?

No. Small and family-owned businesses are often the most exposed, because they depend on just a few people. We work with businesses of all sizes.

Protect the Business You’ve Worked So Hard to Build

Keep your business strong, even when the unexpected happens.