Keeping your business moving, whatever happens.
Business protection is a set of insurance policies designed to protect your company if a director or key person dies, becomes seriously ill, or is unable to work. It helps safeguard cash flow, stability, and the future of the business.
Why business protection matters
- Keeps your business running if you’re unable to work
- Helps cover loans and key financial commitments
- Reduces disruption if the unexpected happens
- Protects the future of what you’ve built
What We Offer
- Relevant Life
Tax-efficient life cover paid for by your company, protecting your family if you pass away. - Executive income protection
Company-paid income protection that supports you financially if you’re unable to work. - Key person insurance
Financial protection for your business if a key individual passes away or is unable to work. - Loan protection
Cover designed to help repay business loans if a director dies or becomes seriously ill.
For insurance business we offer products from a range of insurers.
The Areti Way
Protect your business now
Whether you’re growing, restructuring, or planning ahead, we’ll help you put the right protection in place — simply and clearly.
Frequently asked questions
Why should directors consider business protection?
Because many businesses rely heavily on one or two individuals. If something happens to you, business protection helps ensure the company can continue operating without immediate financial strain.
Is business protection tax-efficient?
Often, yes. Some policies can be paid for by the business and may qualify as allowable expenses or offer other tax advantages.
What’s the difference between personal and business protection?
Personal protection supports you and your family. Business protection supports the company itself — covering lost income, loan repayments, or ongoing costs if a director or key person is affected.
Who should be covered?
Usually directors, business owners, or key employees whose absence would have a financial impact on the business.
How much cover does my business need?
This depends on your role, profits, loans, and how easily you could be replaced.
Is business protection only for large companies?
No. It’s particularly valuable for small and owner-managed businesses where the loss of one person would have a significant impact.
Can policies be changed as the business grows?
Yes. Business protection should be reviewed as your company evolves — for example, if profits increase, new directors join, or loans are taken on.
