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Business Protection From Our Team
Our team live and work locally, and our office is at Pride Park in Derby. We help sole traders, partnerships and limited companies across Derbyshire, the East Midlands and the rest of the UK.
Our commercial team has worked inside banks, so we know what happens to a business when a key person is lost. We compare policies from a range of insurers and explain the cover in plain English.
Types of Business Cover
Key person protection
Pays the business a lump sum if a key person dies or is seriously ill, to cover lost profit or recruitment.
Shareholder protection
Gives the remaining owners the money to buy the shares of an owner who dies or is seriously ill.
Relevant life cover
Life cover for a director, paid for by the company. It can cost less than a personal policy.
Business loan protection
Pays off business debts if a key person or guarantor dies, so the loan does not fall on family.
Liability insurance
Employers’ liability, public liability and professional indemnity, depending on your work.
Property and business interruption
Cover for premises, stock and equipment, and lost income while you get back up and running.
Are You a Company Director?
See how much a relevant life policy could save compared with paying for cover yourself.
Relevant Life Calculator
Compare the cost of a personal life policy with a relevant life policy paid by your company. Change the figures to match your situation.
How It Works
Get in touch
Call us, send an enquiry or use the calculator.
Review
We look at your business, your key people, your debts and the cover you have.
Compare
We compare policies from a range of insurers and explain our recommendation.
Set up
We help with the application and any trust or agreement needed.
Free Business Insurance Guides
Beginner’s Guide to Business Insurance
The main types of cover and who needs them.
Download the GuideWhy Choose Mortgage & Finance Arena
Local advisers
Our team live and work locally and know local businesses.
Banking backgrounds
Our commercial team has worked inside banks and knows how lenders think.
Range of insurers
We compare policies rather than relying on one insurer.
Finance and cover together
We make sure your cover matches your business borrowing.
Plain English
We explain what is covered and what is not.
FCA regulated
Mortgage & Finance Arena Ltd is authorised and regulated by the FCA (No. 706676).
Business Insurance FAQs
Employers’ liability insurance is a legal requirement if you have staff. Most other cover, such as key person or shareholder protection, is not compulsory but can protect the business.
Cover that pays the business a lump sum if someone it relies on dies or is seriously ill. The money can cover lost profit, pay off debts or fund a replacement.
Key person cover pays the business. Shareholder protection gives the other owners money to buy the shares of an owner who dies or is seriously ill, so they keep control.
Life cover for a director or employee, paid for by the company. The premiums are usually an allowable business expense and are not usually a taxable benefit.
Not always. It depends on how you pay yourself, your tax band and your company’s profits. Try our calculator above, and check with your accountant.
Most sole traders benefit from at least public liability cover, and many trades need professional indemnity too. It depends on your work.
Ready to Talk?
Tell us about your business and one of our team will call you back.
Insurance policies have terms, conditions and exclusions. The relevant life calculator is an illustration only and is not tax advice. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
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Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.