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Business Protection

Protecting your business

We understand that protecting the people that matter most is important. It could be your family, employees or your customers, and having business protection can do just that. It safeguards your business’ future, so you can rest easy.

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Why Choose Us?

There are many considerations when choosing someone to help you with your mortgage. Getting it right could save you thousands. During our initial consultation we will go through the process together and assess your needs. We offer a comprehensive range of products which means we aren't limited to a smaller selection of products and can choose from thousands of available lenders.

20 Years Experience

Our wealth of experience across the industry means our knowledgeable advisors can give you advice you can trust.

In Depth Assessment

We help you work out exactly what kind of insurance you might need, saving you thousands on expensive policies which don't protect you fully when needed.

Comprehensive Market Access

You won't be missing out on any great deals. We can access all of the mortgage products which are currently available and know how to find you the most suitable deal.

Henden Financial logo

Henden Financial Limited

Helping you insure and protect your family and investments

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Business Protection
FAQ

Relevant life insurance

Relevant life insurance is a type of specialised life insurance policy that is designed to cater to the unique needs of small business owners and high-earning individuals. Unlike traditional life insurance policies that are typically taken out by individuals for the benefit of their families, relevant life insurance is paid for by the business, making it a tax-efficient option. This type of policy provides a lump sum payout to the beneficiaries in the event of the policyholder's death during the term of the policy. It offers a cost-effective way for business owners to provide financial security for their loved ones and employees, offering a tax-efficient benefit that can be used to cover mortgages, daily living expenses, or any other financial obligations. Relevant life insurance is a valuable tool in estate planning and ensuring that those who depend on the business owner's income are protected in the unfortunate event of their passing.

Shareholder protection insurance

Shareholder protection insurance is a crucial and often overlooked form of business insurance that provides financial security and peace of mind to business owners and their shareholders. This type of policy is designed to safeguard the interests of shareholders in the event of the death or critical illness of a fellow shareholder or business partner. Should a shareholder pass away or become seriously ill, the policy will provide a lump sum payout to the surviving shareholders, allowing them to purchase the deceased or critically ill shareholder's stake in the company. By doing so, shareholder protection insurance ensures a smooth and seamless transition of ownership, preventing potential conflicts or disputes among remaining shareholders and helping to maintain the stability and continuity of the business. This insurance not only protects the financial interests of shareholders but also preserves the company's legacy and long-term viability. For businesses with multiple shareholders, shareholder protection insurance is a prudent and strategic choice to mitigate risks and ensure the ongoing success of the enterprise.

Key person insurance

Key person insurance is a specialised type of business insurance that provides crucial financial protection to a company in the event of the death or incapacitation of a key employee or business leader. Often, these individuals play a vital role in the success and profitability of the business, possessing unique skills, knowledge, and relationships that are challenging to replace. Key person insurance ensures that the company will receive a financial payout in such unfortunate circumstances, helping to cover financial losses, recruitment costs for finding a suitable replacement, and even offsetting any potential decline in profits. This type of insurance offers peace of mind to business owners and stakeholders, as it acts as a safety net against the potential risks posed by the loss of a key person. By securing key person insurance, businesses can better navigate challenging times, maintain their financial stability, and continue to thrive despite the absence of a critical team member.

Business loan insurance

Business loan insurance, also known as business loan protection insurance, is a valuable risk management tool designed to safeguard businesses and their lenders against financial uncertainties. When a company takes out a business loan, it becomes liable for repayment, and unforeseen events such as the death, disability, or critical illness of a key business owner or partner could pose significant challenges to the loan's repayment. Business loan insurance provides a safety net by covering the outstanding loan balance in such circumstances, easing the financial burden on the business and protecting its assets. This insurance allows businesses to access credit with confidence, as lenders are assured that their investments are secure, even in the face of unexpected events. It serves as a crucial buffer for the company and its stakeholders, ensuring that the business can continue its operations and honoring its financial obligations, even during difficult times.

Henden Financial logo

Henden Financial Limited

Helping you insure and protect your family and investments

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