Business Protection

Shot on location on Clitheroe High Street

Protecting the business you have built

You’ve put years of hard work into building your business - now it’s time to make sure it’s protected. Business protection helps ensure that if something unexpected happens, your company can continue running and your loved ones aren’t left facing uncertainty.

At Two10 Investment Services, we provide tailored advice on solutions like relevant life plans, shareholder protection and key person cover, giving your business the continuity and clarity it needs to keep moving forward. Whether you're a sole trader, part of a partnership, or running a limited company, our guidance is built around your ownership structure and long-term plans - so you can focus on growth, knowing the foundations are secure.

What happens if the unexpected happens?

Although businesses often have continutity plans in place, many don’t back it up with policies for the sudden illness, death or incapacity of a key person - and the impact can be significant. Without the right protection in place, you risk ownership disputes, financial instability, disruption to day-to-day operations, and even personal liabilities falling to family members or business partners. At Two10 Investment, we help you face these risks head-on.

We assess your business structure, shareholder arrangements and the key individuals who drive revenue and operations. We also review any existing cover - or highlight areas where it’s missing altogether. From there, we recommend a tailored mix of protection to safeguard your business and everyone connected to it. Because planning for the unexpected today means protecting everything you’ve worked for tomorrow.

Shot on location at Clitheroe Castle

Business protection policies for business owners

For the ‘what ifs’ you’d rather not think about

No one likes to dwell on worst-case scenarios - but failing to plan for them can put your business, and those connected to it, at serious risk. At Two10 Investment Services, we help you prepare for the unexpected with protection strategies that give you clarity, control and peace of mind.

We advise on Shareholder and Partnership Protection to ensure that if a business owner dies or becomes critically ill, the remaining shareholders can buy back shares - preventing them from falling into unintended hands. Key Person Protection helps safeguard your business from the financial impact of losing a crucial employee, director or founder. It can cover lost revenue, recruitment costs, and operational disruption.

With Business Loan Protection, you can make sure any outstanding business debts are repaid if a guarantor passes away - helping to avoid strain on the business or the personal assets of their family.

And for directors and key team members, Relevant Life Plans offer tax-efficient life cover, providing a valuable alternative to traditional death-in-service benefits. At Two10 Investment Services, we help you face the ‘what ifs’ with a plan that protects your business - and the people who rely on it.

Our local team, supporting local business owners

At Two10 Investment Services, we provide independent, regulated advice you can trust - with a personal touch that comes from being part of your local community. We combine local insight with national-level expertise to deliver tailored financial planning that reflects the real-world pressures of running a business.

We understand the risks, responsibilities and competing demands business owners face. That’s why we go beyond off-the-shelf solutions, creating protection strategies that link your business goals with your personal financial security. Whether you're planning for growth, safeguarding your team, or thinking about succession, we shape our advice around your business size, structure, and long-term vision.

We also work closely with your accountant, solicitor, or fellow directors to ensure everything is joined up - giving you clarity, confidence and a stronger foundation for the future.

Business protection policies

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How we can help with business protection

Wayne, Founder of Two10 Investment Services, discusses the importance of business protection and how we can help.

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Financial Planning FAQs

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What’s the difference between key person cover and life insurance?

Key person cover is designed to protect the business if a crucial team member becomes seriously ill or dies - helping cover lost revenue or the cost of finding a replacement. Life insurance, by contrast, typically supports your family or dependants personally. Both can be important, depending on your needs.

What happens to my shares if I pass away unexpectedly?

Without a formal agreement in place, your shares may pass to your estate - potentially creating complications for the business and your family. We help you explore options like shareholder agreements and cross-option arrangements to ensure clarity and control in the event of your death.

Can I pay for cover through my business?

Yes, in many cases protection can be arranged and paid for through your business. Options like Relevant Life cover or key person insurance are often structured this way. We’ll help you assess which policies are suitable and how to set them up tax-efficiently.

Is business protection tax deductible?

It depends on the type of cover and how it’s set up. Some forms of business protection, like key person insurance, may be tax-deductible if they meet certain criteria. We can help assess eligibility and structure cover in line with HMRC guidelines.

Do I need protection if I’m the sole director?

Yes - even as a sole director, your business and income can be vulnerable to illness or unexpected events. Protection such as income cover, Relevant Life insurance, or critical illness can safeguard both your business continuity and your personal financial security.

What if my business is family-run - do I still need formal protection in place?

Absolutely. Even in a family-run business, formal protection helps avoid uncertainty and conflict. It ensures there’s a clear plan in place if something happens to you or another key person, supporting both the business and your loved ones with clarity and control.