Safeguard Your Business, Your People & Your Future
As a business owner, you understand the value of hard work, the importance of strategy — and the risk of everything changing in an instant. At Fortis, we help you build the protective framework your company needs so that your business, your partners, and your family remain secure when the unexpected happens.
Risk Management & Fortis Approach
At Fortis, we don’t just sell policies — we craft strategies. Our approach includes
Risk Assessment
Analysing your business structure, shareholder agreements, loan exposures and key personnel risks.
Proposal Design
Selecting the right mix of cover types and policy structures tailored to your business model.
Implementation & Compliance
Ensuring everything is legally, tax-efficiently and commercially sound.
How We Support Your Business Protection Needs?
Independent advice and structured planning designed to safeguard your company’s future.
We Assess Your Business Risks Clearly
Fortis begins by analysing your ownership structure, key personnel, financial obligations, and operational vulnerabilities. This gives you a clear picture of the risks your business faces and the level of protection needed to keep everything running smoothly when unexpected challenges arise.
We Build Tailored, Tax-Efficient Protection Plans
Based on your needs, we design a customised protection strategy that may include Key Person Insurance, Shareholder Protection, Loan Protection, or Relevant Life Cover. Every structure is arranged in a tax-efficient, Revenue-approved format and aligned with your legal agreements to ensure it performs exactly when required.
We Provide Ongoing Support as Your Business Evolves
Your company will grow and change — and your protection plan must evolve with it. We offer regular reviews, policy updates, and strategic guidance to ensure your cover remains suitable, compliant, and aligned with your long-term goals.
Our Business Protection Solutions
We explain these cover types clearly, so you and your business know exactly how you’re protected.
Key Person Insurance
Key Person Insurance protects your business if a vital individual — such as a director, founder, or specialist employee — becomes seriously ill or passes away. When a key person is suddenly unable to work, companies can face loss of revenue, operational disruption, or delays in delivering services. This cover provides a financial buffer that allows the business to stabilise, replace lost expertise, recruit and train new staff, or restructure responsibilities without immediate financial pressure. It ensures the company can continue operating with confidence during a difficult transition period.
Shareholder / Partner Protection
Shareholder or Partner Protection ensures your business remains in the right hands if an owner dies or becomes critically ill. Without this cover, families may inherit shares and seek immediate compensation, creating uncertainty and potential disputes. With the appropriate protection in place, remaining shareholders can access the funds needed to buy out the affected partner’s stake quickly and fairly. This safeguards business continuity, maintains control within the existing leadership team, and provides financial security to the family of the deceased or ill partner — benefiting both sides at a sensitive time.
Business Loan Protection
Many directors personally guarantee company loans, meaning that illness or death can put both the business and their families at financial risk. Business Loan Protection ensures outstanding debt can be repaid if a guarantor passes away or becomes seriously ill, preventing banks from recalling loans at the worst possible moment. This cover protects the company’s cashflow, shields personal assets, and allows the business to continue operating smoothly without unexpected financial strain. It brings certainty to loan obligations and stability to the business during challenging circumstances.
Relevant Life Cover
Relevant Life Cover offers a highly tax-efficient way for companies to provide death-in-service benefits to directors or key employees. The policy is paid through the business and structured so that it does not increase personal tax liabilities — making it particularly attractive for smaller companies or businesses without group protection schemes. This cover helps employers offer competitive benefits, support staff wellbeing, and plan effectively for unforeseen events, all while keeping costs efficient and compliant with Revenue guidelines. It provides personal protection for employees and financial peace of mind for the business.
Secure Your Business Today
Your people are your greatest asset. Protecting them means protecting your business.
Contact us today to discuss Keyman Insurance and find the right level of cover for your company.
Are you confident your retirement plan will give you the lifestyle you deserve?
If something unexpected happened tomorrow, would your family be financially secure?
Providing clarity on frequently asked questions
Does business protection apply only to large businesses?
No — even small and medium-sized enterprises face significant risks when a partner or key employee is lost. Protection is just as important for SMEs, directors and partnerships.
How much does business protection cost?
The cost depends on your business size, type of cover, number of lives insured, and the sum insured. We design realistic, affordable solutions that fit your budget while delivering meaningful protection.
What if my business structure changes?
If you merge, take on new partners, or change your ownership model, your protection plan should evolve too. We review your policies regularly to ensure they remain appropriately matched to your business.
Can business protection affect personal tax or company tax?
Yes — the structure matters. At Fortis, we advise on policy design that meets your commercial goals, keeps tax implications in check, and aligns with the relevant Revenue rules.
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