We all like to think that we will not contract cancer, are off work through illness, are made redundant or die. However, sadly every hour many people are given a death sentence, diagnosed with cancer, have an accident that will prevent them from working. When your income stops and your direct debits don’t you need a plan B.
We can give expert advice and arrange an affordable bespoke and tailored package that means you have the peace of mind that your finances are taken care off when the worst happens.
Don’t risk your lifestyle or your family’s home hoping that nothing will go wrong.
Family Income Benefit
Have you ever considered what may happen to your children’s lives if the worst were to happen and you died young? Have you made provision to protect your family’s financial future?
For a small monthly premium you could help provide your children with everything they deserve even if their parent died. Ensure that their life can continue in the home they have grown up in, with holidays, new clothes, Christmas gifts, school trips, sports clubs.
Accident, Sickness and Unemployment Cover
In economic times of uncertainty protect against sickness or redundancy to cover your monthly outgoings. Usually, for a fixed price we can arrange cover for accident, sickness and redundancy or redundancy only.
Buildings & Contents Cover
Buildings insurance is required as a condition of your mortgage contract to comply with the terms and conditions of your mortgage.
Contents insurance covers you against risk of damage by accident, through theft and fire. Always consider your sum assured you may not have the relevant amount of cover. We often have less cover than you need.
We will shop around and tailor your insurance to meet all your requirements and conform to the mortgage lenders criteria.
Property Insurance designed for landlords.
As a landlord you aim to generate an income and obtain capital appreciation through your property investments. It therefore makes sense that you should try to protect your investments against unexpected incidents and events.
What would happen if one of your properties suffered flooding damage and became uninhabitable for a period of time? How would you fund repair works and cover loss of income? Furthermore, if a tenant fails to pay you rent on time how will your mortgage be paid? Worse still, what if a resident suffers serious bodily injury due to an unsafe staircase? As a landlord you have a legal responsibility to provide a safe living environment. Failure to do so could leave you facing a financially crippling public liability claim.
Buying landlord insurance is the best way to protect your property portfolio and provide you with peace of mind. Let us help you to choose the right amount of cover for your investment.
We have found that very few business owners fully appreciate their liabilities in the event of death or critical illness of themselves, fellow shareholders and key persons within their business.
Arranging the right type and level of Business Insurance is vital to the security and stability of any business. Some Business Insurance policies will be required by law, while others will provide added protection when unforseen circumstances could otherwise leave you with potential problems and ultimately lead to huge setbacks for your business.
Partner & Shareholder protection
This type of protection policy would provide funds in the event of a death or critical illness of a business partner or director, ensuring continuity of the business and providing security and protection for all. Please call us for more detailed information.
Key Person Cover
All successful businesses have one or more key individuals on whose skill, experience, knowledge and credibility the success of the business depends, and without their active presence the business profitability may be adversely affected. Key Person cover safeguards a business against the financial effects of death and/or critical illness of a nominated key person, for example, funding the salary of a suitably qualified temporary replacement while covering the considerable costs of recruiting a new incumbent.
Business Loan Protection
Many business owners give personal guarantees or even use their residential homes as security – the loss of such people can be particularly serious for a business and can also adversely affect the owners’ dependants. Similarly, if finance has come from a director’s loan account, their estate administrator has the right to demand quick repayment of the loan on the death. Business loan protection can provide the funds to ensure that these outstanding loans can be repaid in full should the guarantor die and/or suffer a critical illness, allowing the business to continue with minimum disruption or even failure.
More Complex Requirements?