AS Brokers · Business Insurance
Business Life Insurance & Employee Benefits
Protecting Your Partners, Directors, and Key Employees
The technical discipline most brokers avoid and often get wrong. We specialise in it.
Core structures we specialise in
- Buy-and-sell agreements Surviving partners retain control; families receive fair value. We ensure valuations are realistic, ownership and beneficiaries correct, and funding works in practice.
- Key person insurance Protects the business from the loss of critical individuals. Cash flow, client retention, replacement costs.
- Contingent liability cover Critical where directors have signed personal sureties. Without it, banks can call in loans on death.
- Loan account insurance One of the most overlooked risks. Protects business cash flow, estate liquidity and families from unexpected liabilities.
Contracts first. Insurance funds the agreement. We work alongside legal and valuation specialists so structure comes first.
This service is for business owners with partners or shareholders, directors with surety exposure, companies with loan accounts, and businesses reliant on key individuals. If your business fits, this conversation is essential.