Business Protection
What happens to the business if you cannot work for 3-6 months?
Business protection looks at the risks that can stop revenue, put pressure on debt, disrupt staff, or expose the owner's household income.
Business protection looks at the risks that can stop revenue, put pressure on debt, disrupt staff, or expose the owner's household income.
If a working owner becomes unavailable, the impact can move quickly from personal health to cashflow, lending, payroll, supplier commitments, and family income.
BRC helps clarify which parts of that chain need funding, which risks are already handled, and where assumptions need testing.
Protecting the personal income that supports mortgage, family, and lifestyle commitments.
Keeping fixed costs manageable if the owner cannot actively generate revenue.
Understanding which people the business cannot easily replace and what a disruption would cost.
ACC does not cover illness, and existing personal cover may not reflect business debt, overheads, or key person reliance.
The review is about matching cover to the real exposure rather than assuming one policy fixes every scenario.
BRC maps the practical consequences first: who does what, where revenue comes from, what debts and obligations remain, and how long the business could absorb pressure.
The solution may involve income protection, business expenses, key person, debt cover, or a combination structured around priority.
Explain what prompted the review.
Separate real business risk from assumptions.
Get a practical recommendation or quote path.