Business Protection for Directors and SME Owners

If your key person or co-owner didn't come in tomorrow, what would it cost your business?

Most businesses have never put a figure on it. The free Business Resilience Health Check takes a few minutes and shows you where the gaps are.

Authorised and regulated by the Financial Conduct Authority. FCA No. 1034779.

Alliance Advisory Services

Let the taxman help pay for your Life Cover

If you own a small business there’s a better way to buy life insurance for yourself and your key employees.

Tax treatment depends on individual circumstances and may change.

Find Out More

Working In Partnership

With Top Insurance Providers

We work with a panel of providers including some of the most respected names and biggest brands in the UK insurance industry.

We will compare the cover levels and policy costs for each of these to ensure you receive the best policy for the price. We will happily email these quotes over to you to make sure you are fully informed of what policies are available.

Zurich logo
Vitality logo
Royal London logo
Legal and General logo
Aviva logo
Scottish Widows logo
Liverpool Victoria logo
The Exeter logo

Why I do this

I’m Des Richards. I served in the Royal Air Force, where you plan for the worst before it happens, not after. I bring the same approach to protecting your business.

You deal with me directly, from the first conversation through to a claim.

Where I work

Business protection advice in Birmingham, the West Midlands and across the UK

I’m based at Kinetic House in Sutton Coldfield and advise company directors and business owners right across the UK.

In person across the West Midlands: Sutton Coldfield, Birmingham, Lichfield, Tamworth, Solihull, Walsall, Wolverhampton and Coventry. If your business is in the region, I’ll come to you.

Anywhere else in the UK: we meet by video call, so where your business is based makes no difference to the advice you get.

Take the Health Check

An investment in knowledge pays the best interest.

“Every business has a plan for growth. Very few have a plan for losing the people who drive it.”

Des Richards

Business owner reviewing paperwork and figures at her desk