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Protection Advice

Discover insurance products specifically tailored for you.

By getting to know you and how you work, we find the right cover to meet your unique needs and provide guidance to help make your money work harder.

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Relevant Life Insurance

Discover the flexible, tax-efficient alternative to life cover Take control of your protection and save tax by moving your monthly life insurance payments from your pocket to your limited company expenses.

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Life Insurance

Who will care for your loved ones when you’re gone? It’s not something anyone wants to think about, but ensuring those you care about are looked after in the event of your death can bring great peace of mind. Life Insurance provides a large, tax-free payment or ongoing monthly payments to your beneficiaries, helping them cover living expenses and more when you can no longer.

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Key Person Insurance

Imagine what would happen if an important team member was no longer around. Let’s say someone who’s been with you for years. A founder, department head or team leader. How would your company cope in the short term without their knowledge and expertise?

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Critical Illness

Critical Illness cover can’t stop you from getting ill but can help soften the financial blow. With Critical Illness Insurance, you can overcome the burden of being unable to work through a one-off lump sum payment designed to protect your way of life. It can be used to pay off debts, cover the cost of treatment or ensure you can continue to provide for your family.

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Income Protection

Sick pay for the self-employed. In your world, not working means you’re not earning. Illness or injuries that prevent you from doing your job are unthinkable. That is, of course, unless you have Income Protection Insurance.

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Private Healthcare Insurance

Return to work faster. With access to private healthcare, you can avoid waiting lists and make sure you’re back on your feet as soon as possible. You can also be covered for treatments not available on the NHS.

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Indemnity Insurance

Even if you did nothing wrong, there’s a risk. Whether it’s a breach of contract or confidence, negligence, defamation or intellectual property infringement, there are many ways in which your business can be liable. While you might think you would never be accused of such things, a disgruntled client may disagree.

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Save for retirement while saving tax. While most people don’t even notice their pension contribution being deducted from their wages every month, things are different for independent professionals. You need to make sure you’re putting enough away to cover your desired retirement standards while making decisions about where your money goes and how hard it works too. 

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Buildings & Contents Insurance

Protection for your property and what’s in it is essential, but organising the right cover isn’t always straightforward. This is especially true if your insurance and even your mortgage are run through your company.

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Get the facts

Whether you're looking to protect your business, safeguard your day rate or just want to learn more about business or personal insurance download our guide to protection and insurance to find out more.

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Why do we need insurance?

Insurance plans are beneficial to anyone looking to protect their family, assets/ property, and themselves from financial risk/ losses: Insurance plans will help you pay for medical emergencies, hospitalisation, contraction of any illnesses and treatment, and medical care required in the future.

How can insurance companies afford to provide large settlements to the policyholders?

The insurance company collects the premium amount for multiple policyholders and invests the fund securely to accumulate over time and pay out the policyholder when they claim.

Why should I use you instead of doing it myself online?

If you are looking for a quick quote, you aren’t in the right place! The reason for that is that a ‘quick quote’ is rarely a good fit for what you need. A typical person takes a guesstimate at the amount of cover they need and is led primarily by the monthly premium, rather than ensuring that the policy actually solves the problem they need it to. An advisor is an expert in their field and works hard to understand who you are and your lifestyle so that the policies you take out truly protect you, and at a cost that suits your budget.

Do business owners, professional or contractors need insurance?

Being a contractor carries certain obligations and legal responsibilities. You have a financial responsibility to your client for errors that you make. Although claims against contractors are rare, they do happen, and the claims can be very high! Having insurance cover fully protects you and provides you with peace of mind.

I’m new to contracting and want to replace my death in service/employee benefits, what are my options?

This is exactly where we can help! Now you are self-employed, it’s important to ensure you, your business and your loved ones are protected in every eventuality. That could include Income Protection, Critical Illness Cover, Life Insurance, Private Healthcare and Pensions.

As a self-employed/limited company business what types of Insurance coverage are compulsory?

It is advisable to consider all elements of insurance to protect you from a variety of risks within your market. If you employ any staff, you are required by law to have Employers’ Liability Insurance.

The only exemptions are limited companies where the owner is the sole employee and unincorporated family businesses where all employees are closely related. Professional Indemnity and Public Liability are often required by your customers under contract.

What insurance policies does an average contractor take out?

While protection and insurance products are personal, and everyone’s circumstances are different, there are a handful of core products that we see our contractor clients taking out.  These include Life Insurance and, specifically, tax-efficient Relevant Life Insurance – which ensures your loved ones are financially protected in the event of your death. Alongside this is Critical Illness Insurance – protecting yourself and your family if you are ill and no longer able to work and earn. Finally, Indemnity Insurance protects your business against any claims made against you.

It’s important to note the value of working with an expert protection adviser firm like Broadbench. We’ll take the time to listen to who you are, and your unique circumstances before designing a protection package that protects exactly what you need it to.

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