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Financial Solutions for Business

Key Person: Many managers and business owners are so immersed in their business they seldom have time to consider the potential financial impact on their business that could follow the loss of a key person. Indeed, many may not know who their key people are. People relate to individuals, so the loss of a director, sales manager, department manager or IT specialist can have a devastating financial effect on any business. There can be other less easily identified people within many businesses whose loss could be just as devastating.

We have solutions that can act as a financial buffer to such events whether they are caused by death or long term illness.

Equity Interest Share protection: A worry for many businesses could be the death or long term illness of a shareholder; this is compounded if the shareholder involved is also a business producer as is often the case. Cover can be arranged to buy out the shareholding interest protecting the business and also benefiting the family of the departed shareholder.

Policies are available to cover death critical illness and other long term illness.

Death in Service: Life insurance can be equally valuable to working shareholders and other employees. The most important resource in most businesses is its work force. So making sure that you do everything possible to protect it against attrition is of benefit to the company. Offering staff death in service cover alongside such benefits as pensions, group sick pay, and private medical insurance can be valuable tools in attracting and retaining good people.

We can help you by designing a programme of employee benefits so you pitch your employment offer at the right level

Pension Plans: Company pension schemes need not be expensive, money purchase arrangements keep a control of costs and provide an excellent staff benefit. Self Investment Pension schemes for business owners are becoming increasing popular and keep you more in control of your investments.

At PSP we have the advisors to ensure you receive the right advice and help you establish the solution for both owners and employees – and help you understand the impact on your business of Personal Accounts, when they come in from 2012.

Private Medical Insurance: Another valuable benefit for directors, owners and employees, particularly since the costs are usually lower than for stand alone plans. Apart from the obvious benefit to employees it is extremely important to any business that their key people can obtain quick treatment and therefore, early return to the business.

We have access to all the schemes and can provide a solution for individual people or large groups of employees.


  Your nearest office:

Chippenham 01249 653461
Saltash 01752 855130
Newquay 01637 875265
Torquay 01803467027

Claims
For claims information, click here

 
  © PSP Insurance & Financial Solutions Ltd. Are authorised and regulated by the Financial Conduct Authority and our regulatory reference number is 303461.
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