Our guide to Business Life Insurance helps customers understand which policy will suit them and their business. We look into Key Man Insurance, Relevant Life Cover, Partnership Protection and Shareholder Protection to help you work out if you're eligible, what benefits you can get from the policy and how it can help protect you, your business and your employees. With Business Cover Expert, we help to advise and guide you on the best life insurance policies for your business. We make sure you get a tailored policy to suit your exact requirements.
Stocks from the Gurus, Goldman Sachs and Hedge Funds NowAlpesh Patel
We look at the picks which hedge funds and big banks have in common and our own stringent criteria which narrows down 10k to the top 1%. Part of our www.campaignforamillion.com
11 super simple, easy to understand, no jargon ways to save tax and increase your retirement funding, so you can enjoy living life after work without the worry!
If They Won't Eat What You're Feed Them... (Feed Them What They'll Eat)Fulcrum Partners LLC
Who is most worried about retirement security? The answer may surprise you. In the June 2014 issue of The Exchange for People Strategy, Bruce Brownell covers ways companies can start thinking about ways to creatively restructure their executive compensation plans to provide the greatest benefits to their key executives.
Stocks from the Gurus, Goldman Sachs and Hedge Funds NowAlpesh Patel
We look at the picks which hedge funds and big banks have in common and our own stringent criteria which narrows down 10k to the top 1%. Part of our www.campaignforamillion.com
11 super simple, easy to understand, no jargon ways to save tax and increase your retirement funding, so you can enjoy living life after work without the worry!
If They Won't Eat What You're Feed Them... (Feed Them What They'll Eat)Fulcrum Partners LLC
Who is most worried about retirement security? The answer may surprise you. In the June 2014 issue of The Exchange for People Strategy, Bruce Brownell covers ways companies can start thinking about ways to creatively restructure their executive compensation plans to provide the greatest benefits to their key executives.
On 28 August 2018, Hanrick Curran Director, Angela Winton and Partner, Stephen Brake presented at the Hills and District Chamber of Commerce on SME Insights.
The presentation covered emerging trends, opinions and concerns faced by business owners as highlighted in the SME Research Report for 2017/18. Attendees gained insights around how fellow SME’s are surviving and thriving in the current business climate.
How to Be Strategic With A Strategic Investor with Workday Venturessaastr
Have you ever wondered how to work with a strategic investor? What are potential benefits and drawbacks? What are key differences from financial investors? What are the ways in which to derive value from a strategic in a way that can accelerate your business? Brittany Skoda, a lead investor at Workday Ventures and former tech investment banker at GS, will share perspective from her experiences over the last decade.
This presentation contains a quiz about first-time venture funds as well as data and tips that may be useful to new VC fund managers. The presentation covers topics such as how many new funds get started per year, who provides capital to those funds, and how long it take to raise a new fund, as well as tips for approaching LPs.
I presented this quiz to the audience at the Kauffman Fellows Module on June 15, 2016. Special thanks to Jewel Savadelis, Jorge Torres and the rest of the Kauffman Fellows for your support and ideas!
TOP 10 SPEED BREAKERS YOU SHOULD AVOID TO GROW YOUR BUSINESSKumar Kanaujia
PROMOTERS PLAN AND DREAM TO GROW. BUT THE EXPECTED RATE OF GROWTH IS NOT ALWAYS ACHIEVED.
THERE MUST BE SOME WEAKNESSES OR LAG SOMEWHERE.
STATISTICS SAY THAT MORE THAN 95% OF THE LOSS MAKING COMPANIES FALL UNDER SMALL SCALE CATEGORY;
START-UPS DIE EVEN AT IDEA GENERATION STAGE OR PLANNING
If you're looking to protect your business against the unexpected death of a shareholder, Shareholder Protection is for you. Business Cover Expert's guide on Shareholder Protection helps customers understand if they are eligible, how the policy works and what they can do to get started.
Business Cover Expert - A Guide to Shareholder ProtectionSarah Beldon
If you're looking to protect your business against the unexpected death of a shareholder, Shareholder Protection is for you. Business Cover Expert's guide on Shareholder Protection helps customers understand if they are eligible, how the policy works and what they can do to get started.
On 28 August 2018, Hanrick Curran Director, Angela Winton and Partner, Stephen Brake presented at the Hills and District Chamber of Commerce on SME Insights.
The presentation covered emerging trends, opinions and concerns faced by business owners as highlighted in the SME Research Report for 2017/18. Attendees gained insights around how fellow SME’s are surviving and thriving in the current business climate.
How to Be Strategic With A Strategic Investor with Workday Venturessaastr
Have you ever wondered how to work with a strategic investor? What are potential benefits and drawbacks? What are key differences from financial investors? What are the ways in which to derive value from a strategic in a way that can accelerate your business? Brittany Skoda, a lead investor at Workday Ventures and former tech investment banker at GS, will share perspective from her experiences over the last decade.
This presentation contains a quiz about first-time venture funds as well as data and tips that may be useful to new VC fund managers. The presentation covers topics such as how many new funds get started per year, who provides capital to those funds, and how long it take to raise a new fund, as well as tips for approaching LPs.
I presented this quiz to the audience at the Kauffman Fellows Module on June 15, 2016. Special thanks to Jewel Savadelis, Jorge Torres and the rest of the Kauffman Fellows for your support and ideas!
TOP 10 SPEED BREAKERS YOU SHOULD AVOID TO GROW YOUR BUSINESSKumar Kanaujia
PROMOTERS PLAN AND DREAM TO GROW. BUT THE EXPECTED RATE OF GROWTH IS NOT ALWAYS ACHIEVED.
THERE MUST BE SOME WEAKNESSES OR LAG SOMEWHERE.
STATISTICS SAY THAT MORE THAN 95% OF THE LOSS MAKING COMPANIES FALL UNDER SMALL SCALE CATEGORY;
START-UPS DIE EVEN AT IDEA GENERATION STAGE OR PLANNING
If you're looking to protect your business against the unexpected death of a shareholder, Shareholder Protection is for you. Business Cover Expert's guide on Shareholder Protection helps customers understand if they are eligible, how the policy works and what they can do to get started.
Business Cover Expert - A Guide to Shareholder ProtectionSarah Beldon
If you're looking to protect your business against the unexpected death of a shareholder, Shareholder Protection is for you. Business Cover Expert's guide on Shareholder Protection helps customers understand if they are eligible, how the policy works and what they can do to get started.
Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available.
Most businesses have one or more key people whose skill, knowledge, experience and leadership generate significant revenue. If they were unable to work, the business could suffer a drop in revenue, or incur costs to find and train a successor.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
3. SOLE TRADER
TAX EFFICIENT
ATTRACT STAFF
TRUSTEE
RELEVANT LIFE COVER
PARTNERSHIP
CHARITY
LIMITED LIABILITY PARTNERSHIP
LIMITED COMPANY
Who can apply?
Relevant Life Cover is a tax-efficient way for an employer to provide
a death-in-service benefit for an employee.
Relevant Life Policies are written on an individual life basis on the life
of an employee. The premiums are paid by the employer, but the
beneficiary of the employee receives a lump sum if the employee dies
whilst employed or is diagnosed with a terminal illness.
As the employer pays the premiums, both the company and the
employee can experience tax relief. The employee does not
have to pay any income tax on the policy. There are no national
insurance contributions to pay for either party and the policy
payments are not taxed as a benefit in kind. The employer also
benefits from corporation tax relief.
A Relevant Life Policy is a great employee benefit and can
help to attract and retain loyal, high-calibre employees.
PEACE OF MIND
The policy is not included in the employee’s estate for inheritance
tax benefits, nor is it included in the lifetime pension allowances,
giving an added peace of mind to employees and their family.
A Relevant Life Plan must be written in a
discretionary trust where the employee’s family
and dependents are normally beneficiaries.
4. RELEVANT LIFE COVER: KEY FEATURES
Guaranteed premiums are paid
monthly by the business
All premiums and benefits qualify from
income tax, national insurance and
corporation tax relief
Benefits are usually free from
inheritance tax
Must be written into a
discretionary trust
A great tool in
recruitment and retention
Pays out a lump sum to the
employee’s beneficiaries
A single-life policy whilst the
employee remains with the company
Protects the lifestyle of the
employee’s family
5. KEY MAN INSURANCE
Key Man Insurance, also known as Key Person Cover, is designed
to provide financial protection to a business against the death of an
employee or director who is key to the success of the business.
SALES MANAGER
IT SPECIALIST
MARKETING
MANAGER
MANAGING
DIRECTOR
CHAIRMAN
WHO IS A KEY MAN?
HOW DOES IT WORK?
The policy is taken out by a business on the life of a key employee.
When that employee dies or suffers from a critical illness, the policy
pays out a lump sum to the business. The business can then use
these funds to cover the costs of losing the key employee. Such as:
Most small and medium sized businesses will have one or more
employees who are crucial to their continued success.
46%
of BUSINESSES
stated they would FOLD
if a key person
died or suffered a critical illness.
(Legal and General 2016)
In fact,
RECRUITING
AND
TRAINING
TEMPORARY
COVER
LOSS OF
PROFIT
LOSS OF
REPUTATION
OR
CUSTOMERS
MEETING
LOAN
REPAYMENTS
PAYING AN
EXISTING
LOAN
DIFFICULTIES
GAINING
INVESTMENT
ABSENCE IN
KNOWLEDGE
OF
PROCESSES
6. KEY MAN INSURANCE
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With Key Man Insurance the business pays the premiums, rather
than the employer. The business also receives the financial pay-out
when a claim is made.
If a critical illness will have the same detrimental effect on the
business as the death of a key person, cover can also be provided.
If a key person within the business leaves before the end of
the policy, the business can:
WHAT HAPPENS WHEN AN EMPLOYEE LEAVES?
CRITICAL ILLNESS
Critical illness can cover anything including a heart attack, stroke or
cancer.
SOLE
TRADER
LIMITED
COMPANY
CHARITY
It is suitable for all sizes of business, including sole traders. These
types of cover do not need to be written in a trust, however, the
business must be able to demonstrate that it will suffer a financial
loss as a result of death, terminal illness or critical illness of that
employee.
Stop paying the premiums to end the policy or continue to
pay the premiums until the end of the term and in the event
of a claim still receive a lump sum.
Transfer the policy to the key person who
would then need to continue paying the
premiums, but would become the legal owner
of the policy.
OR
PARTNERSHIP
7. SHAREHOLDER PROTECTION
Shareholder Protection provides the business with a
lump sum in the event of a death of a shareholder. It
enables the company to purchase the shares of the
relevant business co-owner. The policy is designed
to make sure that in the event of a shareholder’s
death, the share exchange is as smooth and stress-
free as possible.
AN UNEXPECTED EVENT
of BUSINESSES
don’t have Shareholder Protection
cover in place
(Legal and General 2016)
37%
Without Shareholder Protection, an unexpected death of a shareholder could have a
detrimental impact of the business and its structure. Normally, the shares would go into
the deceased estate rather than back into the business. An unexpected event could lead
to:
Shareholder protection helps to ensure that you retain
control. It provides the funds to help purchase the
shares, rather than having to draw on funds set aside
for other purposes.
Attraction from competitors
and the poaching of key staff
The need to raise capital to buy
shares if the spouse decides to
sell
Ensuring the spouse receives
a fair price for the shares
The introduction of an
unsuitable buyer of the shares
Attempting to stop the shares
falling to the deceased estate
Unfavourable prospects of the
spouse keeping the shares
Any impact on the confidence
and productivity of employees
CAN YOU AFFORD TO BUY OUT A
SHAREHOLDERS SHARE IF THEY DIED?
It also prevents the sales of shares to hostile parties
or competitors, which helps to maintain business
stability during a period of change.
8. SHAREHOLDER PROTECTION BENEFITS
STABLE BUSINESS PLAN
STRESS-FREE PROCESS
SUPPORT FOR FAMILY MEMBERS
WEIGHT OFF YOUR MINDPEACE OF MIND
When a shareholder passes away,
they don’t have to worry about
finding the money to purchase the
assets and the business can return
to normal as quickly as possible.
Inheriting family members don’t always
know how to manage or leverage
shares and assets. In most cases,
money may be more useful after losing
a member of the family and can help to
take some pressure off financially.
Shareholder Protection can help to relieve
stress when losing a key breadwinner. With
this policy, families receive financial
compensation in the case of their death. This
means they can receive a fair buy-out price, as
well as a having stress-free and easy process.
Shareholder Protection can also cover
serious illnesses and disability. In these
instances, insurance can be a big weight
off an employee’s mind as well as giving
peace of mind to the employer so that
any illness of an owner is not detrimental
to the business.
9. PARTNERSHIP PROTECTION
WITHOUT COVER
Partnership Protection pays out a lump sum to assist the remaining
partner(s) should anything happen such as death or serious illness.
This enables the remaining partner(s) to purchase the deceased’s
share of the business.
Without Partnership Protection, if a
partner were to die the share would fall
into the deceased estate and may be
inherited by the spouse or partner. This
may be unsuitable for the surviving
business partners and it may not provide
for the deceased’s spouse or family
financially if they decide to sell.
Raising capital to fund the acquisition
could be disruptive to the business and
may prevent funds being spent
elsewhere.
PROTECTING YOU AND THE FAMILY
Partnership Protection covers the ongoing operations of the company
whilst also looking after the deceased’s family. It ensures they receive
a fair price for their proportion of the business and gives back control
to the remaining partners.
Equally, a partner who is diagnosed with a serious illness may want to
retain the option of continuing in the business or be compensated if
they choose to leave.
Buy-out a partner’s interest in the business
Pay off an outstanding loan
Regain control should a partner die or fall ill
Establish agreements and trusts to protect the business
Protect against hostile or uninterested inheritors
Avoid the sale of assets
Retain confidence of employees and customers
PARTNERSHIP
PROTECTION
10. BUSINESS LIFE INSURANCE 89%of BUSINESSES
that have PROTECTION COVER
took it out after taking or seeking advice
to protect their business
Despite this ,
In 2015, there were a record 5.4 million private sector businesses
in the UK, which was a 55% increase since 2000. The total
employment in SMEs was 15.6 million and the combined turnover
was £1.8 trillion.
1in10SMEs
don’t have
Business Life Insurance
(Quote.com, 2017)
Small or medium sized companies account for around 99% of
businesses within the private sector.
In 2016, there were 1.3 million employing businesses and 4.2
million non-employing businesses. Therefore, 76% of businesses
did not employ anyone aside from the owner.
95%of BUSINESSES
are micro-businesses
Employing 0-9 people
Business Life Insurance is important in keeping your business, your employees and their families
protected against unexpected events. Learning about the relevant policies and what’s best for your
business is integral in the long-term success of your business. At Business Cover Expert, we help
provide advice and guidance on finding the best policy for you to keep you and your business
protected.
PROTECTING YOUR BUSINESS
Sources: Legal and General, 2017, Department for Business Energy and Industrial Strategy, 2016
11. BUSINESS COVER EXPERT
Our team of specialist business advisors have in-depth
knowledge of the industry and the best products on the market.
We work with all types of businesses to make sure that we get
the right cover that suits you.
Business Cover Expert was established to provide advice and
guidance to organisations and businesses to protect themselves,
their shareholders and their managers from the financial impact of
the loss of key members of staff.
We’ll not only help you to understand what products will help to
protect your business, but also ensure that you can continue to
operate smoothly as a business should an unexpected event of
death occur. We tailor the amount and length of policy to your
exact business needs so that you can get the protection that’s
right for you.
WHAT WE DO
We offer advice on business insurance products including
Relevant Life Cover, Key Man Insurance, Shareholder Protection
and Partnership Protection so you can get the right protection for
your business. We provide a range of options that can offer full
cover should the worst happen, such as losing a critical member of
staff or shareholder.
0800 802 1793
info@businesscoverexpert.com
www.businesscoverexpert.com
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