Business Protection in Birmingham
Speak with a local specialist today. Key Person, Shareholder and Relevant Life cover designed around Birmingham SMEs to protect profits, ownership and people — with quick, impartial advice.
FCA Authorised Advice
Why Birmingham chooses us
Alliance Advisory Services helps West Midlands founders protect continuity, control and cash flow with tax‑aware structures and rapid turnaround, tailored to local sectors.
What we cover
Key Person Insurance: Replace lost profit, fund recruitment and steady operations if a revenue‑critical individual dies or suffers a covered critical illness; policy owned by the business with payout to the employer.
Shareholder/Partnership Protection: Guarantee funds to buy back shares on a shareholder’s death or critical illness so control stays with the remaining owners via trust or company share purchase arrangements.
Relevant Life Plans: Employer‑funded life cover for directors and employees, paying benefits to dependants via a trust — not a substitute for business protection payouts to the company.
Maintain control
Pre‑fund buy‑outs so ownership isn’t forced into third‑party hands during hardship events.
Protect profits and cash flow
Receive a business‑paid benefit to bridge lost revenue, hire replacements and safeguard continuity.
Tax-efficient structures
Align premiums and benefits with HMRC‑aware arrangements, coordinating with accountants and shareholder agreements.
FAQs
What's the difference between key person and shareholder protection?
Key person protects profits and operations; shareholder cover funds buying shares to keep control with the remaining owners.
Is a Relevant Life plan enough for business protection?
No – it pays dependants, not the company; it complements, not replaces, key person or shareholder protection.
Who can get business protection?
Partnerships, LLPs, companies with multiple shareholders, and sole traders with key employees can all structure appropriate cover.
How fast can this be set up?
Insurer requirements vary by sum assured and underwriting, but pre‑work on trusts and agreements speeds placement and claims readiness.