Shareholder Protection

In many private companies, the directors hold all the shares. What would happen if one of them died? The shares left behind could end up in the hands of someone with no business skills or any interest in the company. Share protection and a suitable contract can take the risk out of this situation by providing the structure for buying-selling the shares and the necessary capital injection to achieve it.

For more information on shareholder protection please complete our online client enquiry form.

Business Asset Protection

Most businesses will have a requirement for some insurance. This could be insurance that you must have as a legal requirement. Or it could be cover that a sensible and prudent business will take out to protect the business in the event of loss, damage or a claim against them for damage or negligence. The best way to understand the insurance cover that is required is to talk this through with one of our independent advisers.

For more information on protecting business assets please complete our online client enquiry form.

Employee Benefit Programmes

A cost-effective, easy-to-manage employee benefits program has become increasingly important to many businesses. Our knowledge of the ever-changing employee benefits and healthcare arena, combined with our strong relationships with key benefits providers, allow us to offer our clients the highest quality benefits programs at the most competitive prices.

For more information on Employee Benefit Schemes please complete our online client enquiry form.

Directors Pensions

Despite the fact that they have received some poor publicity in recent years, pensions remain one of the most tax-efficient ways for business owners and key company directors to save for retirement. As an employed higher-rate taxpayer, contributing to a pension will allow you to receive tax relief at your highest rate. If your company pays the pension premium for you, your pension contributions do not attract employer or employee National Insurance unlike your salary. Just like other employees, directors can use occupational pension arrangements to ensure that their personal affairs are structured as tax efficiently as possible.

For more information on Directors Pensions please complete our online client enquiry form.

Keyman Protection

Key person insurance allows businesses to take out insurance against the financial consequences of losing a key person. Most businesses and other organisations have people whose departure could have a serious financial impact on the business. An example of a key person could include a controlling director who has personally guaranteed bank loans made to the firm or someone with a particular skill set or ?book of contracts?.

For more information on Keyman Assurance please complete our online client enquiry form.