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Business Life insurance

Protect the business and the people behind it

Award-winning cover when your clients need it most

  • Defaqto
  • Defaqto
  • Moneyfacts 2020 and 2021 best critical illness provider
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We’ve redesigned our breakthrough Business Serious Illness Cover

It now includes:

  • Simplified Cover - we've simplified Business Serious Illness Cover down to once choice between three distinct points
  • Simplified Multiple Claims - Business Serious Illness Cover can pay out multiple times so that members aren't left uninsured and uninsurable after their first claim
  • 100% payouts for more conditions than other insurer.1

Why Business Protection?

Business Protection is one of the best ways to safeguard the future of your client's business, by protecting the people who matter most to their business’ success.

In a recent survey, advisers said 66% of business owners don’t take out business protection because they don’t think they need it. This was closely followed by 65% believing there’s a lack of knowledge.2

Our research also highlighted the importance of the adviser and client relationships to instigate Business Protection conversations.


Introducing our 2024 Claims and Benefits Report

Our results demonstrate how our products cater to modern risks, provide immediate value and engage members, creating a new category of insurance. As we continue to enhance and protect lives, discover how we supported our members throughout 2023.

Join us in our upcoming CPD-accredited webinar, where we'll explore the latest report in more detail, alongside our panel of industry experts.

Business Protection Toolkit

Quick access to everything you need to support your client conversations.

Our Business Protection options

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Key Person Cover

To help protect their business’ profits if anything critical was to happen to a key employee.

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Business Loan Protection

Cover to repay business loans if a shareholder/business partner dies or suffers a serious illness.


Shareholder and Partnerships

Cover in case a business shareholder or partner passes away or suffers a serious illness.

Key reasons to choose our Business Protection

1. The right plan for your client's business needs: We offer three levels of protection, with the flexibility to find a solution that suits your client’s business.
2. Award-winning Serious Illness Cover: Our Business Serious Illness Cover option pays out earlier and more often and protects your client's employees for longer.
3. More flexibility to suit your client's business: Through the extra cover options that we offer.
4. It’s easy to apply: Our Vitality Nurses can visit your clients to carry out their underwriting screening. Making it quicker for them and their employees to get the cover needed.
5. The Vitality Programme: Encourages your client and their employees to take steps towards a healthier future – and rewards them with real financial benefits.


The Facts

Providing stability and reassurance, by protecting employees and shareholders.


63% of business owners said one person is essential to running their business.2


Over half (58%) of business owners said they did not have a contingency plan for their business.2


37% of businesses had no protection in place.2


60% of business owners said their business is the main source of income for their household. Whilst 30% said it’s their only source.2

We're here to help

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


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