Key Person and Shareholder Protection

Commercial & Business

Could your business continue if something happened to either you as the business owner, or perhaps a key member of your team? Key Person Insurance or Shareholder Protection are just two options to consider when reviewing your business insurances.

As a business owner, you do everything you can to make your business a success. You may consider the right premises, machinery or tools and computer systems to be the most important factors. You may have covered the tangible assets of your business, but have you protected yourself, or those key individuals who may contribute heavily to profits?

There are various options to choose from and the amount and type of financial protection you’ll need will depend on your individual and business circumstances.

FOCUS can provide you with guidance on the options available and help you arrange the most appropriate protection solutions to protect the future of your business if the worst happens.

Key Person Insurance should form part of your overall commercial insurance package - and is just as important as insuring your premises and products.

Our approach is to address the risks to your business as a whole

Once we fully understand your business, we can help you with:

  • Key Person Insurance - insurance against the loss of profits that could result from the critical illness or death of a key person, by paying out a cash sum so that the business can continue trading.
  • Shareholder Protection - insurance which gives the owners of the business a cash sum to buy the shares of a co-owner who becomes critically ill or dies.
  • Business Loan Protection - A policy providing a decreasing sum assured in line with a decreasing loan using a fixed interest rate.
  • Life Assurance and/or Critical Illness Options - choosing the most appropriate cover.

As your business grows and develops, your insurance needs will undoubtedly change. FOCUS will work with you to ensure that the exposure and risks faced by your business will be protected, leaving you with complete peace of mind.

To find out more, contact us


KeyPerson & Shareholder Protection questions

What is Key Person Insurance?
How do I identify a Key Person?
What is Shareholder Protection?

FOCUS Oxford Risk Management Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (www.fca.org.uk/register) under reference 773843.
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