Your business protection journey start here

Every business is on its own particular journey. But what happens if there’s an unexpected change in the landscape - such as the death or illness of a key revenue generating director or member of staff, even an owner shareholder. We help businesses protect themselves from threats to profitability and interrupted business-as-usual operations by first identifying, then advising on the best business protection options to suit your needs.

How do we do this?

Read on to find out more about how Panoramic can help you complete your business protection financial journey.

How we can help you

The impact on a business losing key personnel can be profound – loss of revenue, lower profitability, difficulty in making repayments on business loans or commercial mortgages. By choosing Panoramic to provide you and your business with advice on business protection, you will have taken your first steps to making the right strategic financial decisions.

Key Man Insurance

Protect your business against loss of income, expertise or intellectual reputation should an important revenue generating member of staff die - including hiring a suitable replacement.

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Succession Planning

Should a shareholder or partner in a business die, this type of cover ensures monies are available to other directors or partners to purchase the shares, and in so doing when correctly arranged provide a cash lump-sum to the deceased’s family.

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Business Loan Protection

Pay any outstanding loans to the business, overdrafts or commercial mortgages in the event of loss of revenue due to a key person dying or become critically ill.

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Relevant Life Cover

A life cover policy payable by the company – not so much a protection for your business, more a benefit for your Directors, valued work colleagues and their families in the event of their death in service. This type of policy also has the added advantage of not being a benefit in kind.

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What we have to say

Gary Jefferies

Managing Director & Chartered Financial Planner

“Companies and businesses often remember to insure the obvious things, such as buildings and vehicles, whilst overlooking the main assets to their business – their personnel!”

Case studies

Ian Steadman
Partner, BSR Bespoke, Tunbridge Wells

“We want our practice to be suitably protected in respect of its key people and to have adequate provision in relation to our succession planning in the event of the death of a partner. In conjunction with Gary we calculated the value of our key personnel and they were insured by the firm as a means of protecting our turnover should anything happen to them.

Additionally we arranged life assurance policies on all partners so that if one dies we have the ready funds to purchase his share of the practice from his beneficiaries. Options have been built in such that they can receive this value in full without any tax implications”.  

Read a case study