Protecting your business for the future
As a business owner, safeguarding your company is as crucial as growing it. Watt Mortgage helps you put measures in place to protect your business against unexpected challenges, ensuring its continuity and financial security. Many of these solutions can also be structured in a tax-efficient manner.
Tax treatment varies according to individual circumstances and is subject to change.
Safeguard Against Key Risks
Running a business comes with risks, but protection ensures stability during challenges like losing a key team member or sudden financial pressures. Watt Mortgage helps you stay prepared with tailored solutions.
Bespoke Coverage Solutions
From Key Person Cover to Shareholder Protection, we offer plans to secure your business's future. Our solutions help prevent disruptions, ensuring smooth operations even during unexpected events.
Tax-Efficient Protection Options
With Relevant Life Policies and Loan Protection, we provide tax-efficient and competitive options. Protect your business while managing costs effectively, tailored to your unique needs.
Find out how much Life Insurance you need.
Discover your ideal life insurance cover with PreQuo. Complete a quick form with just a few details and get an instant estimate tailored to your needs.
Tailored Business Protection Solutions
Secure your business against unexpected events with solutions designed to safeguard your operations, team, and financial stability. Watt Mortgage provides expert guidance to ensure your business remains resilient in challenging times.
Key Person Cover
If your business relies on specific employees whose absence could cause financial difficulties, Key Person Cover ensures your company can recover and continue operating.
Shareholder Protection
For businesses with multiple directors, this safeguard ensures shares transfer smoothly if a director passes away. A cross-option agreement lets surviving directors retain control while providing fair compensation to the deceased’s family.
Relevant Life Policies
A tax-efficient alternative to personal life insurance, Relevant Life Policies offer salaried directors and employees life insurance paid through the business, reducing personal costs while offering essential protection.
Loan Protection
Protect your business from the burden of unpaid commercial debts. If you’ve only considered insurance through your bank, we can help find more competitive options.
Ready to take the next step?
Get in touch with us today for expert mortgage advice tailored just for you. We’ll handle everything from start to finish, ensuring a smooth and stress-free process. Let’s find the right solution for you—no strings attached.
What is business protection, and why do I need it?
Business protection is a set of insurance solutions designed to safeguard your company from financial losses caused by unforeseen events like the death or illness of a key employee or director. It ensures your business can continue to operate smoothly during challenging times.
What is Key Person Cover, and how does it work?
Key Person Cover provides financial protection if a vital member of your team becomes critically ill or passes away. The payout helps your business recover from the financial impact of losing someone essential to its operations.
How does Shareholder Protection benefit my business?
Shareholder Protection ensures that shares in your business transfer smoothly if a director dies. It prevents disruptions by enabling remaining directors to retain control and ensures the deceased’s family receives fair compensation for their shares.
What is a Relevant Life Policy?
A Relevant Life Policy is a tax-efficient life insurance plan for directors and employees, paid through the business. It offers personal protection without increasing personal costs and can be a more cost-effective alternative to traditional life insurance.
Is business protection expensive?
The cost depends on the type of coverage and the level of protection you need. At Watt Mortgage, we work with you to create tailored, cost-effective solutions that fit your budget and priorities.
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