Business Protection

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Insurance that protects your company against financial disruption when key individuals are lost.

Business Protection covers shareholders, partners, business owners, or key employees in the event of serious illness or death—ensuring continuity, covering debts, and keeping your company moving forward.

Smiling businesswoman shaking hands with a colleague in a modern office, while team members collaborate in the background.

Core types of Business Protection

Key Person Insurance

Life or critical illness cover taken out by the company to protect against loss if a vital team member is diagnosed with a serious illness or passes away. The payout goes to the company to stabilize finances or clear debts.

Shareholder Protection

Protects against instability caused by the illness or death of a business partner or owner—funds enable smooth share transfers or business continuity.

Partnership and Loan Protection

Insurance that ensures partners or lending institutions are covered—helping your company honor loan agreements or partnership terms even if someone falls ill or dies.

Why it matters for all businesses

Unexpected illness or loss of a key individual can disrupt leadership, financial stability, and growth. Business Protection provides a financial safety net, so your company can manage transitions smoothly and remain resilient.

Build a stronger tomorrow.

Get in touch with Howden to safeguard your business and your people with tailored protection.

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FAQs

Business protection is insurance that covers financial loss due to the illness or death of a key person, business partner, or shareholder—helping maintain stability and continuity.

There are four main types: Key Person Insurance, Shareholder Protection, Partnership Protection, and Loan Protection—each designed to safeguard different structures.

Because losing key individuals can interrupt operations, create financial strain, and slow growth. Business protection ensures companies can recover quickly, fulfill commitments, and stay on track.