Dez-Rez Mortgages Ltd
01753 839051

Insurance Solutions

Business Protection

For your people, for your profit, for today and tomorrow…

Protect the future of your business with tailored business protection insurance designed to safeguard your people, profits and long-term plans. We provide expert advice on a range of business insurance solutions, including key person cover, shareholder and partnership protection, business loan protection, relevant life cover, executive income protection, group life insurance and group income protection. Whether you’re a company director, business owner or part of a growing organisation, we help you identify potential risks and arrange suitable protection to support your business, employees and financial commitments. Our goal is to give you confidence that your business can remain resilient and continue operating, even when the unexpected happens.

Whether you are a limited company, a sole trader or a partnership/LLP, Business Insurance can provide financial stability for both your business and personal life.

Key Person Cover

Key person insurance helps protect your business against the financial impact of losing an individual who plays a vital role in its success. Whether it’s a company director, founder, specialist employee or someone with valuable knowledge and relationships, the loss of a key person could affect revenue, growth and day-to-day operations. We provide expert key person cover advice to help businesses arrange suitable protection, providing financial support to help manage disruption, recruit replacements and maintain stability during challenging times.

Shareholder & Partnership Protection

Shareholder and partnership protection provides a financial solution if a business owner or partner dies or becomes critically ill. The right cover can help remaining shareholders or partners purchase the affected individual’s shares or business interest, ensuring control remains with the intended owners while providing financial security for the family of the person affected. Our specialist advice helps business owners put robust shareholder protection and partnership protection arrangements in place to safeguard the future of their business.

Business Loan Protection

Business loan protection helps protect your company against outstanding business debts if a key individual involved in the business dies or suffers a serious illness. Many businesses rely on loans and finance agreements to support growth, purchase assets or manage cash flow, but unexpected events can create significant financial pressure. We help businesses arrange suitable business loan protection cover to provide funds that can be used to repay outstanding liabilities and protect the company’s financial position.

Relevant Life Cover

Relevant life cover is a tax-efficient life insurance solution designed for company directors and highearning employees who may not benefit fully from traditional group life insurance schemes. It provides a valuable employee benefit, allowing businesses to offer life cover while potentially providing tax advantages for both the company and the insured individual. We provide expert relevant life cover advice to help business owners understand their options and put effective protection in place.

Executive Income Protection

Executive income protection provides financial support for company directors and senior employees if they are unable to work due to illness or injury. Unlike standard employee benefits, executive income protection can be tailored around the needs of key individuals within a business, helping replace lost income and maintain financial security during periods of absence. We help businesses explore suitable executive income protection solutions designed to protect both valued employees and the future of the company.

Group Life Insurance

Group life insurance provides valuable protection for employees by paying a lump sum benefit to their beneficiaries if they die while covered by the scheme. It is a popular employee benefit that can help businesses atract and retain talent while providing reassurance and financial support to employees’ families. We offer group life insurance advice to help employers arrange competitive and suitable cover that aligns with their workforce and business objectives.

Group Income Protection

Group income protection provides employees with a replacement income if they are unable to work due to illness or injury for an extended period. By supporting employees financially during long-term absence, businesses can improve employee wellbeing while reducing the impact of unexpected sickness on their organisation. Our group income protection advice helps employers create a comprehensive benefits package that supports their team and strengthens long-term business resilience.

Key Person Cover

Key person insurance helps protect your business against the financial impact of losing an individual who plays a vital role in its success. Whether it’s a company director, founder, specialist employee or someone with valuable knowledge and relationships, the loss of a key person could affect revenue, growth and day-to-day operations. We provide expert key person cover advice to help businesses arrange suitable protection, providing financial support to help manage disruption, recruit replacements and maintain stability during challenging times.

Shareholder & Partnership Protection

Shareholder and partnership protection provides a financial solution if a business owner or partner dies or becomes critically ill. The right cover can help remaining shareholders or partners purchase the affected individual’s shares or business interest, ensuring control remains with the intended owners while providing financial security for the family of the person affected. Our specialist advice helps business owners put robust shareholder protection and partnership protection arrangements in place to safeguard the future of their business.

Business Loan Protection

Business loan protection helps protect your company against outstanding business debts if a key individual involved in the business dies or suffers a serious illness. Many businesses rely on loans and finance agreements to support growth, purchase assets or manage cash flow, but unexpected events can create significant financial pressure. We help businesses arrange suitable business loan protection cover to provide funds that can be used to repay outstanding liabilities and protect the company’s financial position.

Relevant Life Cover

Relevant life cover is a tax-efficient life insurance solution designed for company directors and highearning employees who may not benefit fully from traditional group life insurance schemes. It provides a valuable employee benefit, allowing businesses to offer life cover while potentially providing tax advantages for both the company and the insured individual. We provide expert relevant life cover advice to help business owners understand their options and put effective protection in place.

Executive Income Protection

Executive income protection provides financial support for company directors and senior employees if they are unable to work due to illness or injury. Unlike standard employee benefits, executive income protection can be tailored around the needs of key individuals within a business, helping replace lost income and maintain financial security during periods of absence. We help businesses explore suitable executive income protection solutions designed to protect both valued employees and the future of the company.

Group Life Insurance

Group life insurance provides valuable protection for employees by paying a lump sum benefit to their beneficiaries if they die while covered by the scheme. It is a popular employee benefit that can help businesses atract and retain talent while providing reassurance and financial support to employees’ families. We offer group life insurance advice to help employers arrange competitive and suitable cover that aligns with their workforce and business objectives.

Group Income Protection

Group income protection provides employees with a replacement income if they are unable to work due to illness or injury for an extended period. By supporting employees financially during long-term absence, businesses can improve employee wellbeing while reducing the impact of unexpected sickness on their organisation. Our group income protection advice helps employers create a comprehensive benefits package that supports their team and strengthens long-term business resilience.

Business Protection Insurance FAQs

What is business protection insurance and who is it for?
Business protection insurance is designed to help protect companies, business owners, directors, shareholders, partners and employees against unexpected events that could affect the future of a business. It can provide financial support if a key individual dies, becomes seriously ill or is unable to work, helping businesses manage disruption, protect financial commitments and maintain long-term stability.

Businesses often rely on key individuals, specialist skills and important financial commitments. The loss of a director, shareholder or essential employee due to death or serious illness could have a significant financial impact. Business protection insurance can help provide financial support, protect revenue, cover costs and give business owners confidence that they have a plan in place for the unexpected.

There are several types of business protection insurance designed to address different risks. These include key person cover, shareholder and partnership protection, business loan protection, relevant life cover, executive income protection, group life insurance and group income protection. The right solution depends on your business structure, objectives and the people you need to protect.
Key person insurance provides financial protection if an individual who plays an important role in the success of a business dies or suffers a critical illness. This could include company directors, founders, senior managers or employees with specialist knowledge. The policy payout can help cover lost profits, recruitment costs, business debts and the financial impact of losing valuable experience or expertise.
Shareholder protection insurance helps protect a company’s ownership structure if a shareholder dies or is diagnosed with a critical illness. The policy provides funds that can be used by remaining shareholders to purchase the affected shareholder’s shares, helping maintain control of the business while ensuring the shareholder’s family receives fair value for their investment.
Partnership protection insurance provides similar protection for business partners. If a partner dies or suffers a critical illness, the policy can provide funds to purchase their share of the business, helping protect the continuity of the partnership and providing financial security for both the remaining partners and the partner’s family.
Business loan protection insurance is designed to help repay outstanding business debts if a key person involved in the business dies or suffers a serious illness. It can help prevent business loans, commercial mortgages or other financial commitments from creating additional pressure on the company or the individual’s family.

Yes, in many circumstances a company can pay for life insurance for its directors and employees.

Business-paid life insurance can be arranged through solutions such as relevant life cover or group life insurance, allowing employers to provide valuable employee benefits while potentially benefiting from favourable tax treatment. The suitability and tax treatment will depend on the specific circumstances of the business and individuals involved.

Relevant life cover is a tax-efficient life insurance benefit designed for company directors and highearning employees, particularly where a traditional group life insurance scheme may not be suitable. It allows businesses to provide individual life cover while offering valuable financial protection for employees and their families.
The tax treatment of business protection insurance depends on the type of policy, how it is structured and the circumstances of the business. Some business protection premiums may be treated as allowable expenses, while some policy proceeds may receive favourable tax treatment. For example, relevant life cover can offer tax advantages when structured correctly. As tax rules can change and depend on individual circumstances, we recommend obtaining professional tax advice alongside specialist business protection advice.
Executive income protection provides a replacement income for company directors and senior employees who are unable to work due to illness or injury. It helps protect personal income, maintain financial security and support businesses in retaining valuable team members during periods of long-term absence.

Group life insurance is an employee benefit that provides a financial payment to an employee’s beneficiaries if they die while employed by the business. It is commonly used by employers as part of a wider employee benefits package to absract and retain staff while providing additional financial security for employees and their families.

Group income protection insurance provides employees with a regular income if they are unable to work due to long-term illness or injury. It supports employee wellbeing while helping businesses demonstrate their commitment to staff welfare and providing a valuable workplace benefit.
Yes. Business protection insurance is suitable for businesses of all sizes, including small businesses, limited companies, family-run businesses and growing companies. Having the right protection in place can help safeguard business owners, employees, ownership structures and future growth.
A business protection adviser can review your company structure, financial commitments and potential risks to recommend suitable protection solutions. We help business owners, directors and employers understand their options and arrange tailored business insurance designed around their specific needs and objectives.