Specialist Insurances
Business protection insurance is a type of insurance that protects businesses from financial losses in the event of the death, critical illness, or disability of a key person in the business. Key people can be business owners, partners, directors, or key employees.
These insurances can take several forms – although we cover them below, in the first instance, it’s worth booking a chat with the team to talk through your unique situation and circumstances to determine what are potential options for your business.
Business protection insurance is important for businesses of all sizes, but it is especially important for small businesses that rely on a few key people. If one of these key people is unable to work, it can have a devastating impact on the business. Business protection insurance can help to mitigate these risks and protect the financial future of the business.
Here are some of the specific reasons why business protection insurance is important:
- It can help to keep the business running smoothly in the event of a key person’s death or illness.
- It can provide financial support to the family of the deceased or ill key person.
- It can help to prevent the business from going into financial difficulty.
- It can help to protect the investment of the business’s owners and shareholders.
- It can help to ensure the continuity of the business.
If you are a business owner, it is important to consider getting business protection insurance. This can help to protect your business and your family’s financial future in the event of an unexpected event.
The different types of Specialist Insurance available
Key Person Protection Insurance
In most small and medium sized businesses, the success of the business depends on just one or two key people. If you’ve worked with these people for many years it’s easy to underestimate just how value they add to the company. Unfortunately, we can never be sure what’s round the corner. Sometimes, without warning, life throws us a curve ball and this is why business protection is so important. You can’t predict what will happen in the future, but you can make sure you have the right protection in place to keep your business operational if a key person becomes critically ill or dies.
Key Person Protection (also known as key man insurance or key person insurance) allows a business to insure itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a specified critical illness, during the length of the policy.
Key Person Protection is a life assurance or life assurance and critical illness cover policy taken out to cover the life of a key person within your business. The policy is owned and paid for by the employer, so any pay out is payable to the employer and not the employee.
Relevant Life Insurance
Relevant Life Insurance is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It pays a lump sum if the person covered dies or is diagnosed with a terminal illness, whilst employed during the term. The Relevant Life is paid for by the employer, and although the plans are similar to most other types of life cover except they aim to provide a tax efficient benefit provided by an employer for an employee.
Shareholder or Partnership Cover
A policy that can provide businesses with a cash lump sum in the event one of the owners dies or suffers a severe illness. This helps the remaining business owners minimise disruption to the business, by providing capital that enables them to buy that shareholder’s or partner’s shares and so keep control of their organisation.
Business Loan Protection
This provides a lump sum to cover your business loans and other credit facilities if a business owner dies or becomes seriously ill. In the event you lose a business partner, you may want or need to repay outstanding business loans, some of which may have personal guarantees or have to be repaid when someone dies.
Read some of our blogs specifically about Specialist Protection Insurance
DOWNLOAD THE LATEST COPY OF OUR MORTGAGE AND PROPERTY MAGAZINE
Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you`ll need to include high-value cover to keep your jewellery protected.
Don`t put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.
...
#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies
Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you`ll need to include high-value cover to keep your jewellery protected.
Don`t put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.
...
#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies
In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.
If you`re thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible.
Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.
If you`re thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible.
Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
As a family-run business, we always go the extra mile for our clients:
🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.
🌟 Giving you the ability to track your application progress and upload and submit your documents securely
🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends
🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.
We`ll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don`t charge a broker fee! Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
As a family-run business, we always go the extra mile for our clients:
🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.
🌟 Giving you the ability to track your application progress and upload and submit your documents securely
🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends
🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.
We`ll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don`t charge a broker fee! Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
A guarantor mortgage could be the answer 👇
These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage.
But be aware that if you miss a mortgage payment, they will be responsible for paying, so it`s important to weigh up the pros and cons before making a decision.
We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don`t charge a broker fee. Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
A guarantor mortgage could be the answer 👇
These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage.
But be aware that if you miss a mortgage payment, they will be responsible for paying, so it`s important to weigh up the pros and cons before making a decision.
We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don`t charge a broker fee. Send us a message or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
We`re delighted to welcome Ashley to our team 🎉
Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well.
Having lived in Bournemouth all of his life, he`s a big fan of the sun and sea 🌊
When he isn’t helping first-time buyers (or other clients) find the right mortgage, he`s spending time with friends and family or taking his “Chief” out for a nice walk 🐶
Welcome to the team Ashley!
...
#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser
We`re delighted to welcome Ashley to our team 🎉
Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well.
Having lived in Bournemouth all of his life, he`s a big fan of the sun and sea 🌊
When he isn’t helping first-time buyers (or other clients) find the right mortgage, he`s spending time with friends and family or taking his “Chief” out for a nice walk 🐶
Welcome to the team Ashley!
...
#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
🕗🏡 We offer appointments at a time and place that suits you
So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you`re not busy with work - we are available for you.
And the best bit? We don`t charge a broker fee so our advice to you is free!
Send us a DM or call us on 0800 612 5596 to book your appointment.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
🕗🏡 We offer appointments at a time and place that suits you
So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you`re not busy with work - we are available for you.
And the best bit? We don`t charge a broker fee so our advice to you is free!
Send us a DM or call us on 0800 612 5596 to book your appointment.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it`s always a good idea to make sure your details are up to date.
Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it`s always a good idea to make sure your details are up to date.
Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.
But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!
If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee!
Call us on 0800 612 5596 or send us a message.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.
But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!
If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee!
Call us on 0800 612 5596 or send us a message.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
🏡 Ready to build your dream home? You`ll need a self-build mortgage that works for you!
We can help you find the right self-build mortgage to make your dream home a reality. Send us a message, or give us a call on 0800 612 5596
...
Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage.
...
#mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #housebuild #selfbuildhomes #selfbuildcollective #homedesign #selfbuild #homebuilding #ourhome #selfbuildjourney #renovation #homesweethome #buildingahouse #selfbuilduk #mortgageadvisor #newhome #newbuild #ukmortgages
🏡 Ready to build your dream home? You`ll need a self-build mortgage that works for you!
We can help you find the right self-build mortgage to make your dream home a reality. Send us a message, or give us a call on 0800 612 5596
...
Yes Mortgage Services Limited do not charge a broker fee. Your property may be repossessed if you do not keep up repayments on your mortgage.
...
#mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #housebuild #selfbuildhomes #selfbuildcollective #homedesign #selfbuild #homebuilding #ourhome #selfbuildjourney #renovation #homesweethome #buildingahouse #selfbuilduk #mortgageadvisor #newhome #newbuild #ukmortgages
"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."
Looking for mortgage advice? Rest assured, we`ll be by your side every step of the way. We`ll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."
Looking for mortgage advice? Rest assured, we`ll be by your side every step of the way. We`ll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
What`s the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.
Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly).
Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation
What`s the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.
Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly).
Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation
