Shareholder Protection.

Securing your business ownership and control, even in the face of adversity.

So you own a business.

You have co shareholders and a shareholders’ agreement to take care of all the relevant eventualities for different scenarios, including what happens in the event of a death.

You’re all set. If one of the shareholders dies you have the legals in place so that the remaining shareholders have first refusal on the deceased’s shares, so they can keep control of the company and the family are looked after financially.

Perfect.

But have you got the funds to buy them if it were to happen? Quite often a business is missing this final piece of the puzzle and raising the funds becomes a big problem.

Without the money to buy the shares how will you keep control of the company?

Shareholders Protection is a simple insurance policy which each shareholder takes out to the value of their individual share in the business so that the funds are available to buy the shares if they kick the bucket.

Without the money to buy the shares how will you keep control of the company?
In the absence of shareholder protection, a business owner’s demise may result in their share of the business being transferred to their family. This could lead to the surviving owners losing a portion or even total control of the business. The family members may opt to participate in the business operations or sell their share to a rival company.

What are the benefits of shareholder protection?

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Maintaining Control

Shareholder protection ensures that the surviving owners retain control of the business by allowing them to purchase the affected shareholder’s stake.
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Financial Security

The policy provides financial security to the business by enabling the owners to buy out the deceased or critically ill shareholder’s share at a pre-agreed price.
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Avoiding Disputes

Shareholder protection can help prevent disputes between the surviving owners and the deceased shareholder’s family over ownership and control of the business.
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Tax benefits

The premiums paid for shareholder protection are usually tax-deductible, and the payout is usually tax-free.
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Business Continuity

Shareholder protection helps ensure business continuity by providing funds to buy out the affected shareholder’s share and allowing the business to continue operating without interruption.

Speak to us about protecting what matters most.

If you're interested in protecting what matters most and securing your family or business financial future, we're here to help.

We're experts in what we do and will provide a solution tailored to you and your requirements. Our team of experts will work closely with you to find the right coverage at the right price. Get started today.

Not what you’re looking for? 

There are lots of protection options available, we can offer them as a stand alone policy or we can tailor a policy to suit your needs. 

Key Person Insurance

Protects business financially if key employees are unable to work.

Private Medical Cover

Private healthcare for employees, benefits for employer/employee.

Employee Cash Plans

Health cover for employees, including dental and optical care.