SERVICES

Business Protection Insurance Advisor in Essex

Straightforward, whole of market advice for landlords and property investors

Tailored Protection for Business Owners in Essex

Business protection insurance helps your company stay operational when something unexpected happens. Whether you’re concerned about the loss of a director, a key employee, or the risk of loan repayment, I provide independent advice to make sure you’re covered. I’m Ian Smith, a protection and mortgage advisor with over 25 years of experience helping businesses put the right cover in place.

Director Insurance to Protect Company Ownership

If a business director passes away or becomes critically ill, their share of the business could be passed on to family members who may not want to be involved. Director insurance ensures there’s a clear plan and funding to allow surviving directors or shareholders to retain full control. I help structure this correctly using policies and legal agreements tailored to your business setup.

Key Person Cover to Keep Operations Running

Many businesses rely on one or two key employees to generate income or lead operations. If that person can’t work due to illness or death, your business could face disruption. Key person insurance, also known as key employee cover, provides a financial cushion to help you recruit, train, and manage through the change.

Business Loan Protection for Outstanding Borrowing

If your company has loans or director guarantees, those debts don’t disappear if someone passes away. Business loan protection ensures you have the funds to repay borrowing, avoiding financial strain at a difficult time. It applies to commercial mortgages, overdrafts, director loans and other forms of lending.

Business Continuity Cover That Adapts to You

Every business is different. That’s why I offer bespoke business continuity cover to protect what matters most in your company. I’ll help you assess your exposure and recommend suitable protection products across the whole of the market. The goal is to keep your business trading confidently, no matter what happens.

Why Choose Me as Your Protection Advisor

Over 25 years of experience in mortgages and protection

Fully independent, whole-of-market advice

Support with all types of personal and family protection

Clear explanations and no-pressure guidance

Local and personal service tailored to your life

Appointments by phone or video

Book a Free Consultation

If you’re a business owner in Essex and want clear, practical advice on business protection insurance, I’m here to help. Whether you’re reviewing your existing policies or arranging cover for the first time, we’ll make sure everything is in place.

Call online or ring me on 01708 535 946 to book your free consultation

01708 535 946