There are many specialist commercial insurance options available for each industry.

While these policies are very important, some may not cover the biggest financial threat to your income – being unable to work due to long term sickness or critical illness.

It’s important to check any insurance policies you have to see if there are any shortfalls and act accordingly. If you own your own Limited Company, you may be able to provide yourselves with tax efficient employee benefits as part of a Business Protection plan that provides cover should the worst happen.