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Have you insured
your premises
and your business
assets? What
about the individuals
who are key
to the success
of your business?
It is commonly
stated that
your most important
assets are the
people who work
in your business.
Take a moment
to consider
the following
possibilities:
-
What will
you do if
one of the
business partners
were to die?
Do you believe
that the banks
with still
continue to
have confidence
in the future
of the business?
What will
happen to
their share
of the business?
Do you want
to work with
your business
partner's
spouse (if
he/she inherits
a share)?
- How
would you
replace the
income of
a top sales
person if
he or she
was to die?
Say a specialist
within your
business became
critically
ill and was
unable to
work?
-
Do you have
other members
of staff with
the same skills
and expertise
within your
business?
For
most businesses
the answers
to some or all
of the questions
above is 'No'.
There
are three main
types of protection
available:
Partnership/Sole
trader Protection
4
Should any of
your business
partners suffer
from critical
illness or suffer
an early death,
business protection
will help you
safe guard your
business
Shareholder
Protection
4
In the event
of a business'
shareholders
death or serious
illness, shareholder
protection helps
provide funds
to buy company
shares.
Key
Man Assurance
4
Smart Money's
panel of top
business protection
insurers will
provide protection
against financial
loss if a key
employee dies
or becomes seriously
ill.
Smart Money
can help you
safeguard the
future of your
business - guarding
against financial
difficulties
as a result
of death or
illness, ownership
issues and the
loss of key
personnel.
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