Insurance for business
It's a tricky thing, knowing what to protect your business against and how much cover you'll need. We've advised many companies on this over the years, of all kinds, and can guide you through all options available to you.
Key man protection
A safeguard in case a particularly important person suffers a serious injury, illness or untimely death.
It could be the only person within your business with a certain expertise, knowledge or responsibility. Perhaps a piece of machinery that only responds to one pair of hands, or maybe the company's only employee fluent in a certain language.
We will work with you to identify all persons whose absence may have a wide-reaching negative effect on your business and advise you on options to protect your business.
Life cover
In case one of your employees suffers death as a result of their work or during their period of service, it's important to ensure coverage.
Depending on the circumstances, particularly the nature of your business, there are many options for life cover available. We can help guide you through them and choose the most appropriate solution.
We would also caution against grabbing a cheap-and-cheerful life insurance from the web. Don't risk paying for something that doesn't have the coverage you need.
Stakeholder protection
If a significant stakeholder in your business were to pass away, you can receive a sum of money towards buying back their shares.
This type of insurance is taken out to prevent a significant portion of a company's interest from perishing along with its owner. It's especially important in cases where a single member may own a controlling interest.
We can help you arrange protection for both yourself and any surviving members of the stakeholder's family.
Private medical insurance
Invest in the health of your employees by providing them with cover for high-quality medical care.
Private medical insurance, or PMI, allows your employees and their families to quickly see exactly the kind of consultant they need.
"I've just had my first meeting with my new IFA, Helen Fraser. Just wanted to let you know how impressed I am with her, both as a Financial Adviser and as a person! She fits right into the Orchard ethos - approachable and empathetic as well as financially skilled - and I can see why she's working with you - well done for finding her. Keep her, I like her! :)"
"Excellent investment advice for my client, very easy to do business with."
"Your (Steve Hedges) knowledge of the financial market is exemplary and savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us."
"I'd really like to recommend Stuart Logan of Orchard House IFAs, who has
just come to give us some financial advice. This is the third time we have used Stuart. As usual, he has offered some really interesting and useful advice, and we have been really impressed every time we have used him."
“Damian was incredibly helpful in re-phrasing in simple terms to allow me to better understand the questions being asked. He was absolutely incredible and made, what I expected to be a difficult process, incredibly easy. I have great trust and faith in Damian. Thank you” ~ Kelly Hobbs
"Helen is wonderful and she does her best with someone who really struggles with figures and financial concepts" ~ Elisabeth Skinner on 07/03/2019
"I find Stuart to be curious, helpful and massively professional, thank you!" ~ Nikki Watkins on 19/06/2019
"I like the personal touch, it wasn't just about my finances. A connection really helps in having trust and confidence in what you are being told. Elaine gave me that" ~ Chris Hancox on 24/09/2018
"Tricia and I would like to thank you for all the advice and help that you have given us over the past couple of years. Your knowledge of the financial market is exemplary and the savings that you helped us make way offset the charges incurred. We both felt at ease and were confident that your advice would be beneficial to us. On another note, the investments made for a close friend helped to make her final few years comfortable in the knowledge that her financial affairs were in such good hands and that her capital will still intact on her passing. I have and will continue to recommend you at every opportunity" ~ James and Tricia Rice on 15/11/2017
Not sure what you need?
Call us on 01491 412 513
Financial planning and advice for people and businesses across Berkshire, Buckinghamshire, Oxfordshire, Hampshire, Surrey & beyond.