Business Protection

Income protection aims to insure you should you become ill or injured and are suddenly unable to work.

Trade Credit Insurance

For many businesses, unpaid invoices represent one of the largest risks to profitability and cash flow.

Insurance Backed Guarantees (IBGs)

Many contractors, installers, manufacturers, and specialist trades provide workmanship guarantees to customers following completion of a project.

Surety & Bonding Solutions

Many contracts require businesses to demonstrate financial strength and performance capability through the provision of bonds or guarantees.

Intellectual Property Protection

For many businesses, intellectual property represents one of their most valuable assets. Brands, designs, patents, trademarks, copyrights, software, and proprietary processes.

Warranty & Latent Defects Protection

Property owners, developers, funders, and purchasers increasingly seek protection against structural defects and workmanship issues that may not become apparent until years after project completion.

Shareholder Protection

The death, critical illness, or incapacity of a shareholder can create significant uncertainty regarding ownership, control, and the future direction of a business.

Business Protection

Protecting Business Value, Cash Flow and Future Growth

Trade Credit Insurance

For many businesses, unpaid invoices represent one of the largest risks to profitability and cash flow. A single customer insolvency or significant bad debt can have serious consequences, particularly where businesses operate on tight margins or rely heavily on a small number of key customers.

Trade Credit Insurance protects businesses against losses arising from customer insolvency, financial failure, or prolonged non-payment of invoices.In addition to financial protection, Trade Credit Insurance provides valuable insight into customer creditworthiness, helping businesses make more informed trading decisions and identify potential concerns before they impact the business.

Risks Attached:

Protection can include:

Customer insolvency
Liquidation and administration events
Protracted payment default
Bad debt write-offs
Customer concentration risk
Overseas trading risks
Political risks affecting export markets

Whole turnover policies
Key account protection
Domestic trade protection
Export trade protection
Single buyer cover
Political risk cover
Credit monitoring and debtor intelligence

Insurance Backed Guarantees (IBGs)

Many contractors, installers, manufacturers, and specialist trades provide workmanship guarantees to customers following completion of a project. However, if the contractor ceases trading, the guarantee may become worthless.

Insurance Backed Guarantees provide customers with reassurance that their guarantee remains protected should the original contractor no longer be able to honour their obligations.IBGs are widely used throughout the construction, renewable energy, glazing, roofing, cladding, and home improvement sectors.

Risks Attached:

Protection can include:

Contractor insolvency
Contractor liquidation
Failure of the contractor to honour guarantees
Customer contractual concerns
Reputational damage
Regulatory or accreditation requirements

Surety & Bonding Solutions

Many contracts require businesses to demonstrate financial strength and performance capability through the provision of bonds or guarantees.

Surety solutions provide independent financial security to project owners, developers, employers, and principal contractors, helping businesses secure opportunities whilst preserving valuable working capital. Unlike traditional banking facilities, surety arrangements typically avoid the need for significant cash deposits or collateral.

Risks Attached:

Solutions may include:

Failure to perform contractual obligations
Non-completion of works
Failure to rectify defects
Advance payment exposures
Contractual financial obligations
Tender compliance requirements

Performance Bonds
Advance Payment Bonds
Retention Bonds
Maintenance Bonds
Warranty Bonds
Bid Bonds
Customs and Financial Guarantees

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