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Your people are your business. So what happens if one of them can’t be there?
When a key person in your business is suddenly out of action, it’s more than just a gap in the team. It can shake operations, disrupt growth plans, and dent financial performance. That’s where Keyman Insurance comes in.
It gives you a financial buffer to ride out the storm — and the space to regroup, recover, and rebuild without derailing your momentum.
What is Keyman Insurance?
Keyman Insurance (or Key Person Insurance) protects your business if a key employee passes away or becomes critically ill. The policy pays out directly to the business — giving you the cash you need to keep moving forward.
Who counts as a ‘key’ person?
If your business would take a hit without them, they’re key. That could be:
- Founders or company directors
- Senior sales leaders
- Specialist roles like developers, IT managers or engineers
- Heads of operations or finance
- Or even you — if you're running a business solo
The right policy should flex to fit your business structure, team, and ambitions.
Why consider it?
Keyman Insurance gives your business the financial headroom to:
- Offset lost income while you recover or restructure
- Hire and train a replacement without rushing
- Manage outstanding obligations or debts
- Protect investors and shareholders
- Safeguard your business continuity
- Strengthen long-term resilience
It’s a safety net for when you’re thrown off course — helping you steady the ship quickly and confidently.
Why partner with Howden?
We don’t do off-the-shelf. We do people-first.
That means taking the time to understand what drives your business — who your key players are, what makes your team tick, and where the risks really lie. Then we find the right insurer, negotiate the best possible terms, and shape a solution that works for you.
We’ve got the connections, the expertise, and the mindset to make it happen. And if you need something a little outside the box? Even better.