PMS Business
Business Protection and Employee Benefits
Protect your people, your ownership and the future of your business with expert support tailored to your company. We help owners, directors and employers put the right cover in place, explained in plain English.
Protecting what makes your business successful
Most businesses depend on a small number of people: the founder who wins the work, the director who holds the bank relationship, the specialist nobody else can replace. If one of them dies or becomes seriously ill, the business can lose income, credit and confidence at the same time.
Business protection provides money at that moment, so the business can keep trading, repay what it owes and keep ownership in the right hands. Employee benefits do something similar for your team, and help you attract and keep good people.
Business protection
Business protection solutions
Cover owned by, or arranged for, the business and its owners — protecting profits, borrowing and ownership.
Key Person Insurance
Protect profits and borrowing if you lose someone the business depends on.Read more
Shareholder Protection
Funds for the remaining owners to buy a shareholder's shares.Read more
Partnership Protection
Keep the partnership with the remaining partners and give fair value to a family.Read moreRelevant Life Insurance
Employer-funded life cover for an individual director or employee.Read more
Executive Income Protection
Company-owned cover to keep paying a director or employee who cannot work.Read moreBusiness Loan Protection
Provide money to repay business borrowing if a key person dies or is seriously ill.Read more
Employee benefits
Employee benefits for your team
Group schemes that support your employees and their families, and strengthen your benefits package.
Group Life Insurance
Death-in-service cover for your employees and their families.Read moreGroup Income Protection
Replace part of an employee's salary during a long-term absence.Read more
Group Critical Illness Cover
A lump sum for employees diagnosed with a covered serious illness.Read more
Business Health Insurance
Company health insurance giving employees access to private treatment.Read more
Who we help
Limited companies
Directors and shareholders of owner-managed companies.
Partnerships & LLPs
Professional and trading partnerships of every size.
Growing employers
Businesses building their first benefits package.
Established firms
Reviewing or switching an existing company scheme.
Why business protection matters
Lenders may review facilities when a key person or guarantor dies. Customers and suppliers may hesitate. Shares can pass to family members who do not want to be involved, while the remaining owners may not have the money to buy them.
Planning ahead gives the business a choice in those moments rather than a crisis. The right cover, set up with the right agreements, can provide the money to act.
How it works
How PMS Business can help
A clear, practical review of where your business is exposed and what could help.
- 01
Review the business
We look at ownership, key people, borrowing and your team, and agree which risks matter most.
Priorities agreed - 02
Recommend or introduce
We explain the options in plain English and confirm whether we will arrange the cover or introduce a specialist.
A clear plan and our role confirmed - 03
Put it in place and review
We work with you, and your accountant or solicitor where needed, then review the cover as the business changes.
Cover in place and kept current
Ready to take the first step?
Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.
Business protection and employee benefits FAQs
Business protection protects the business and its owners, for example against losing a key person or a shareholder. Employee benefits are group schemes that support your employees, such as group life insurance or business health insurance.
Often, yes. Tax treatment depends on your circumstances, and shareholder or partnership protection usually needs a legal agreement. We do not give tax or legal advice, so we work alongside your own professional advisers.
Smaller businesses often depend most heavily on one or two people, so the impact of losing them can be greatest. A review will show whether any cover is worth considering.
An initial conversation usually takes 30 to 45 minutes, in person, by phone or on Zoom. We then follow up with our findings and next steps.
Book a Business Protection Review
Talk to us about your business, your people and the cover that could help. No obligation.