Protecting your Business

Safeguarding Your Business for the Future

Protecting Business Owners

At Avail Financial Planning, we understand that as a business owner, your company is not just your livelihood—it’s your passion, your legacy, and your financial security. Protecting your business against unexpected events is essential to ensure its stability and future success. That’s why we offer tailored protection solutions designed specifically for business owners.

Why Business Protection Matters

Life is unpredictable, and unforeseen events like illness, disability, or the death of a key individual can have a significant impact on your business. Business protection ensures that your company can navigate these challenges without jeopardizing its operations, profitability, or long-term goals.

Key Protection Solutions for Business Owners

Life Cover for Business Owners

Business-specific life insurance provides a financial safety net to protect your family and company. This could include:

Covering Outstanding Debts: Ensuring loans or financial obligations don’t burden the business or its shareholders.

Providing a Legacy: Ensuring the business can continue operating or supporting your family after your passing.

Shareholder Protection

If you own a business with partners or other shareholders, shareholder protection ensures the smooth transfer of shares in the event of a shareholder’s death or critical illness.

Securing Control: Remaining shareholders can buy back shares from the affected individual’s estate.

Avoiding Disputes: Ensures fair value is provided to the deceased shareholder’s family or beneficiaries.

Maintaining Business Stability: Prevents shares from being sold to an outside party, protecting the integrity of the business.

Key Person Insurance

Key person insurance protects your business against the financial loss that could occur if a critical team member becomes seriously ill or passes away.

Covers Lost Revenue: Provides funds to compensate for lost income generated by the key person.

Supports Recruitment: Helps cover the costs of finding and training a replacement.

Maintains Creditor Confidence: Reassures lenders, suppliers, and investors that the business is prepared for unforeseen challenges.

Relevant Life Cover

Relevant life insurance is a tax-efficient way for businesses to provide life cover to employees, directors, or business owners.
Tax Efficiency: Premiums are typically tax-deductible as a business expense.
Employee Benefits: Helps attract and retain top talent by offering valuable cover.
Family Protection: Ensures loved ones are financially supported in the event of a claim.

Why Choose Us?

At Avail Financial Planning, we specialize in helping business owners safeguard their companies with bespoke protection strategies. Our tailored advice ensures you:

Identify and address your business’s specific risks.
Understand the tax implications and benefits of each type of protection.
Have peace of mind knowing your business, employees, and family are secure.

Protect your business today to secure its future tomorrow. Contact us to learn more about how we can help you build a robust protection plan tailored to your needs.

The levels and bases of taxation and reliefs from taxation can change and are dependent on individual circumstances.

Our Focus Areas

Self-Invested Pension Planning

Maximising your Pension Fund

Pre-Retirement Planning

Post-Retirement Planning

Retirement Planning if you’re Self Employed

Choose Avail Financial Planning for a personalised retirement plan that aligns with your goals and ensures peace of mind for your future. Contact us today to schedule your no obligation consultation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.