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Business Protection

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At DNA Protect we have over 20 years’ experience in writing business and corporate insurance policies for a wide range of clients, from SMEs through to blue-chip multi-nationals. We understand the complexities of insuring and mitigating risk in this way and will help you in identifying liabilities and risk exposure – as businesspeople ourselves we pride ourselves on providing cover that is from the most suitable insurer and fit for purpose based on circumstances. Cover includes Key Person Protection, Shareholder Protection, and Relevant Life Insurance.

Key Person Protection

Consider the impact of losing a key person from your business for reasons outside of anybody’s control – it could be disastrous for the survival of any business. Key Person cover provides a financial safety net if a key member of staff dies (or in some circumstances is diagnosed with a serious illness). We would advise you cover against both circumstances. A claim is paid as a lump sum to the company or partners, allowing breathing space to help keep the business trading as normal, replace lost profit or finding/hiring a replacement.

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Shareholder Protection

Shareholder and Partner Protection provides a business with a cash lump sum if one of the owners dies or suffers a severe illness. It enables the surviving shareholder’s or partners to buy shares, repay director’s loans and/or keep control of their business - aiming to minimise disruption to the business through a vital injection of capital. There is also a crucial benefit to the shareholder or partners family to mitigate financial and commercial challenges that may then be faced.

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Relevant Life Insurance

Relevant Life Insurance plans allow an employer to provide an extremely valuable added benefit to an employee (including Directors). This policy usually works out much cheaper than a typical life policy – if put in place correctly, there can be tax advantages and a potential saving of over 50%, no NI contributions on premiums or benefits, corporation tax relief and no benefit in kind or tax implications.

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