Protecting Your Business, Your People and Your Future

At Sims Mortgages & Insurance, we specialise in Business Protection for company directors and shareholders, helping ensure your business can survive and continue if the unexpected happens.
This isn’t about box-ticking insurance. It’s about planning, continuity, and peace of mind.

What Is Business Protection Insurance?

Business Protection insurance is designed to safeguard a company if a director, shareholder, or key individual becomes critically ill or dies.
Without the proper planning in place, these events can cause:
  • Serious cash-flow issues
  • Disruption to day-to-day operations
  • Disputes between the remaining shareholders
  • Pressure on families to make difficult decisions
The proper protection can help keep the business stable when it matters most.

Director & Shareholder Protection

If your business has more than one director or shareholder, this type of cover is essential.
Shareholder (or Stakeholder) Protection helps ensure that:
  • Remaining owners retain control of the business.
  • The affected person’s family receives fair value for their shares.
  • Clear agreements are in place to avoid uncertainty or conflict.
When combined with the appropriate legal agreements, this cover provides clarity and security for everyone involved.

Key Person Protection

Many businesses rely heavily on one or two key individuals. If that person were unable to work due to serious illness or death, the financial impact could be significant.
Key Person Protection can help your business:
  • Cover lost revenue
  • Recruit or train a replacement.
  • Reassure lenders, investors, or partners.
It’s about protecting the business’s ability to continue trading during a difficult period.

Why Work With Sims Mortgages & Insurance?

We understand that business owners don’t want jargon or generic solutions. Our approach is straightforward and personal.
✔ Specialist Focus – We concentrate on director and shareholder protection, not general business insurance
✔ Tailored Advice – Every business structure is different, so your cover should be too
✔ Clear Explanations – We explain how everything works in plain English
✔ Long-Term Support – We’re here to review and adapt cover as your business evolves
We work closely with you — and, where appropriate, alongside your accountant or solicitor — to ensure protection fits your wider business planning.

Is Business Protection Right for You?

Business Protection is particularly relevant if you:
  • Are you a director or shareholder of a limited company
  • Own a business with one or more partners.
  • Have financial responsibilities to staff, lenders, or family.
  • Want clarity and control if the unexpected happens.
If that sounds like you, a conversation now could save a lot of stress later.
Let’s Talk
If you’d like to explore how Business Protection could work for your company, get in touch for an informal, no-pressure discussion.