For the business behind your life
Build continuity into what you have built.
A business can depend on a small number of people in a very big way. Illness, disability or death may affect income, debt and ownership at the same time. Ledger Black connects business owners with partner advisers to discuss people-related insurance. Your adviser provides the advice and confirms the areas they can cover; Ledger Black does not provide financial advice.
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A THOUGHTFUL STARTING POINT
Make room for a clearer decision.
See the human dependencies
Identify whose relationships, skills or revenue contribution would be difficult to replace and what an extended absence could cost.
Connect cover and ownership
Consider key-person protection, business debt and shareholder arrangements together rather than as separate paperwork.
Protect more than turnover
Include the household income, staff commitments and transition time that sit behind the business accounts.
Work through the interruption before it happens
Start with a practical question: what would the next few months look like without a key person? Replacement costs, lost revenue, debt servicing and ongoing overheads can each need a different response. An adviser can help assess insurable needs alongside reserves and operational contingency plans. Cover depends on financial evidence, underwriting and the benefits available from the providers they can access.
Bring your professional team into the conversation
Insurance intended to fund an ownership transfer must work with the underlying agreement, policy ownership and the business’s legal structure. Your lawyer and accountant should be involved in the legal and tax details. This service focuses on people and business continuity; it is not a promise to arrange material damage, cyber, liability or other general insurance. Confirm any specialist referrals with your adviser.
A FEW GOOD QUESTIONS
Know where
you stand.
Clear information makes for a better conversation. Here are some useful things to understand before you start.
Is this relevant if I am self-employed?
Yes. When your ability to work drives both business income and household spending, the two are closely connected. An adviser can consider personal income protection and relevant business expenses cover, subject to the product’s definitions, financial evidence and underwriting.
Can insurance fund a shareholder buyout?
It may form part of a buy-and-sell arrangement for specified events such as death or disability. The funding, ownership and trigger events need to align with a properly drafted agreement. Insurance advice does not replace legal documentation, valuation work or tax advice.
How often should business cover be reviewed?
Agree a review rhythm with your adviser and revisit the plan after material changes in debt, revenue, ownership or key staff. A cover amount established when the business was smaller may no longer reflect its obligations. Review does not necessarily mean replacing a policy.
EXPLORE THE POSSIBILITIES
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Your next chapter.
A clearer way forward.
Tell us what matters to you. We’ll help connect you with a Ledger Black partner for the conversation that comes next.
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