We’ll get to know your business, your role, and what your biggest risks and goals look like.
Business Protection That Supports Your Company and Plans
Protect your company, partners and employees with expert advice and tailored cover designed to keep your business strong through life’s unexpected moments.
Our Solution
You’ve Built Your Business, Is It Protected Against the Unexpected?
As a business owner, you’re used to solving problems, spinning plates, and thinking ahead. But if a co-director became seriously ill, or you lost a key member of staff, would your business be ready?
Business protection insurance can’t stop the unexpected, but it can help your business keep running through it.
From safeguarding profits to securing shareholder control, we’ll help you put the right measures in place, so your company stays strong, whatever happens.
How We Help
Our Approach to Business Protection Advice
We work with business owners, directors, and advisers across the UK, from sole traders and limited companies to partnerships and start-ups.
At AS Financial, we don’t jump to products. We take the time to understand your company’s structure, people, and priorities.
Then we offer calm, clear guidance, highlighting potential risks, explaining protection options in real-world terms, and tailoring solutions that are affordable, tax-efficient, and relevant to your circumstances.
Whether you’re insuring a key director, protecting a shareholder agreement, or looking to offer life cover to staff, we’ll help you find a solution that fits, not one that feels like a sell.
It’s practical, human advice, not product-led sales.
What You Need to Know
Business Protection Insurance: What It Covers and Why It Matters
This isn’t one-size-fits-all. Different business structures need different solutions, and we’ll help you navigate them. Here’s what business protection can include:
Relevant Life Insurance
A tax-efficient way to provide individual life cover to company directors or employees, without impacting their personal tax allowance.
Executive Income Protection
Provides tax-efficient cover for a director’s income if illness or injury stops them working – paid by the business to protect salary and cash flow.
Key Person Cover
Protects your business financially if a key director, employee or shareholder can no longer work due to illness or death.
Shareholder or Partnership Protection
Ensures surviving owners can buy back shares if a co-owner dies or becomes critically ill, so control stays with the business, not an outside party.
Business Loan Protection
Helps repay business debts if a guarantor or key stakeholder is lost, keeping repayments under control and creditors at ease.
Our Process
How We Work With You
01/
Discovery Meeting
02/
Risk Review
We assess how your business would cope if a key person or director were lost due to illness or death.
03/
Explore Options
We explain what protection exists, what’s relevant for your setup, and how tax and ownership might factor in.
04/
Apply With Support
We handle the paperwork, coordinate with insurers, and support any underwriting or provider questions.
05/
Stay Connected
As your business grows or changes, we’re here to review and adapt your protection accordingly.
Highly recommend this company. Chris D’Arcy went above and beyond to find an income protection policy that suited my specific needs and put a lot of time and diligence into doing so. Always available for updates and follow-up calls, I have secured both my mortgage and income insurance through them and will be going back to them for other insurances.
Daniel Gibling
We recently used AS Financial for help securing life assurance policies following our recent house purchase. Chris D’arcy was really helpful in explaining our different options and making recommendations that were clear and made sense. Would happily recommend him to others.
Nick Short
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Business Protection FAQs
Do I need business protection if I already have personal life insurance?
Business protection covers financial risks within the business. It’s separate from personal cover and ensures your company, staff, or partners are protected too.
What if my business is just me?
Even sole traders or directors of small limited companies can benefit from protection. We’ll explain what’s appropriate for your structure and goals.
Is business protection expensive?
It depends on the type of cover and who is being insured. We tailor everything to your budget and can explain how some plans offer tax efficiencies.
Can I combine business protection with other cover?
Yes. We often create integrated plans that include personal and business protection together for simpler, more efficient cover.