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Income protection insurance for business

With a few minor variations, the vast majority of income protection policies for small businesses are identical to those offered to individuals.

Hardly any insurers will offer business cover to one individual.


A few insurers will offer cover to small businesses. Insurers offering business cover, invariably have a limit on the number of individuals insured, below which they will not offer business cover.


There are often advantages, even when insuring only a few individuals, of going for business cover ;

  • It is a taxable business expense

  • Insurers may offer discounts from individual rates

  • Insurers are more willing to listen to requests for tailoring the policy


Most business insurances can only be bought via financial advisors.



Types of income protection plan