Most businesses recognize the need to protect their buildings, contents and vehicles from loss or serious damage. 

Surprisingly, few appreciate the importance of protecting their most valuable asset – the people who are key to their business success. 

Small businesses and partnerships are particularly vulnerable and statistically more at risk from losing a key member of staff through illness or incapacity than through death. 

The sudden loss of a key skill or special expertise could have an immediate and dramatic effect on the business’s ability to compete, sometimes even to carry on trading. 

In the event of death or incapacity the policy benefits are paid to the business. This provides a critically important ‘breathing space’, time to recruit a suitable replacement and in part, compensates for loss of business or a downturn in profits. 

in2 can help you quantify the risk, calculate the potential financial loss and put in place the protection your business needs in the most tax-efficient way.