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Summary

Keyman Insurance should be an essential for all businesses - ( mortgage quotations ) this article discusses how Keyman Insurance can protect Directors, Shareholders, partners and employees from a range of risks.

Keyman Insurance - a business essential. Page 2

Author: Anna Richardson

2 Keyman Insurance to insure against loss of profits

Losing key staff can have huge ramifications, if they are central to the success of the business then their loss could leave you facing bankruptcy. It's a good idea to insure against this possibility.

3 Keyman Insurance for Shareholders or Partners

In this case, the insurance will protect the company if shareholders or partners become seriously ill or die. Families may want to sell their share in the { car insurance policy } company which leaves the remaining members open to newcomers entering the business. Keyman insurance schemes can be used to provide capital to purchase the shares from the original shareholders or their estate.

4 Keyman Insurance insuring Guarantors

Many small and new businesses are required to provide a personal guarantee or a charge on their personal property when they take out a loan. ( medical insurance ) This especially applies to small and new businesses. If one of these guarantors becomes critically ill or dies, then the lenders may decide to recall the loan. Keyman Insurance can protect you by paying off the loan and taking all the pressure off the guarantor/guarantor's estate.

Most of the UK's top insurance companies offer Keyman Insurance as a natural progression from their Life and Critical Illness Insurance provisions. They can advise you further on what type of policy would be best for you.

So, the question is, can your business really afford NOT to have Keyman Insurance?