Just as individuals need adequate protection, so companies need to consider insuring their most important assets - the employees who generate the profits. This can take the form of ‘key man’ protection, where you can cover individuals for critical illness and life. It means, should the company loses the productivity of a key employee, capital will be injected into the business to cover the understandable disruption to costs caused by recruitment and training.

With the productivity of key employees protected, the next stage is to consider the underlying value of the business; the assets and shares that account for its worth. Speak to one of our Openwork advisers who will be able to recommend shareholder and partnership protection solutions.