RISKAUDIT
Commercial Protection Tool

1. Profile the 'Key Person'

Select your top revenue generator or technical lead.

£
£
9 months

2. Financial Exposure

RECRUITMENT & TRAINING
£0
Fees (20%) + Onboarding
LOST GROSS PROFIT
£0
During disruption period
TOTAL COMMERCIAL RISK
£0
If this person is lost to Death or Critical Illness

Commercial FAQs

Is this tax deductible?
Yes. If structured correctly to protect revenue, premiums are a wholly exclusive business expense and save Corporation Tax.
Who receives the payout?
The Limited Company receives the cash tax-free. You can use it to hire a replacement, cover lost profits, or pay off business loans.
Does it cover shareholders?
Yes, but "Shareholder Protection" is slightly different. That ensures the remaining owners have cash to buy the deceased's shares.