Business protection is regularly described as underserved, particularly among small companies whose owners have personal cover but nothing arranged for the business itself.
This matters because the technical requirements — share protection, key person cover, trusts and cross-option arrangements — sit at the edge of many advisers' comfort, and an incomplete arrangement can be worse than none.
Questions to open the discussion:
- Do you write business protection, and if not, what has held you back?
- Which technical areas would you most want clearer material on?
- Where does the conversation with business owners most often break down?
Nothing here is advice, and any tax or legal points should be confirmed with an appropriate specialist.
As always, this is an editorial discussion starter written by Adviser Forum rather than a member opinion. Nothing here is regulated advice, no view expressed should be treated as a settled industry position, and any example you contribute should be anonymised so that no client, colleague or firm can be identified from it.