Personal · Advice area
Protect your business, your partners, and your family
Buy/Sell and Key Person cover are specialist business insurance solutions designed to protect business owners, partners, and their families — so the business can continue when the unexpected happens.
Book Discovery Review- Business continuity
- Succession certainty
- Financial protection
Cover that keeps a business whole when the unexpected happens.
These are specialist business insurance solutions designed to protect business owners, partners, and their families.
A Buy/Sell Agreement helps ensure that if a business owner dies, becomes permanently disabled, or suffers a specified critical illness, ownership of the business can be transferred smoothly. Key Person Insurance protects a business against the financial impact of losing an essential employee or owner.
What’s included
Two specialist protections
Buy/Sell and Key Person cover, working together.
Buy/Sell insurance
A Buy/Sell Agreement, funded by insurance, so ownership transfers smoothly if an owner dies, becomes permanently disabled, or suffers a specified critical illness.
- Remaining owners can purchase the departing owner’s share
- The owner’s family receives fair value for their ownership
- The business continues without financial disruption
Key Person insurance
Protects the business against the financial impact of losing an essential owner or employee — a director, founder, lead salesperson, or technical specialist.
- Replace lost income
- Recruit and train a replacement
- Cover business expenses
- Meet loan obligations
- Stabilise cash flow during recovery
The benefits
What this protection secures.
- Protects business continuity
- Safeguards shareholders
- Supports succession planning
- Provides financial certainty
- Helps preserve business value
How we work
A clear, five-step engagement
Discovery
We map your ownership structure, key people, and the risks to the business.
Strategy
We design Buy/Sell and Key Person cover with the right sums insured and structure.
Advice Presentation
We present our recommendations, explain your options, and answer your questions so you can make an informed decision.
Implement
We coordinate agreements and policies, working with your accountant or solicitor where needed.
Review
We review cover as ownership, valuations, and key people change.
Common questions
Before we talk
What’s the difference between Buy/Sell and Key Person cover?
Buy/Sell funds the transfer of ownership when an owner exits through death, disability, or critical illness. Key Person cover protects the business itself against the financial impact of losing an essential owner or employee.
Who counts as a “key person”?
Anyone critical to revenue or operations — a director, founder, lead salesperson, or technical specialist. If losing them would hit revenue, clients, or loan serviceability, they’re likely a key person.
Do we need a formal agreement in place?
For Buy/Sell, yes — the insurance funds an agreement that sets out how ownership transfers. We help coordinate the cover and work with your accountant or solicitor on the agreement itself.
Discovery Review
Start with a Discovery Review.
A no-obligation conversation about your position, your priorities, and whether we can help — before any advice, paperwork, or cost.