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Common Partnership Protection questions.

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Ask our Support Team

What is a cross option agreement?

This is an agreement entered into by all shareholders to grant each other Put and Call options over the shares. This helps the sale of a shareholder’s share, if they become seriously ill or upon their death.

What is Business Protection?

Business Protection gives financial security to a company, should a key person die or suffer a critical illness. The policy pays out a lump sum to the business.

How does Key Person Insurance work?

Key Person Insurance is a policy taken out by a business on a key employee. In the event of the key person dying or suffering a critical illness, the company can claim a lump sum from the policy.

What is a double option agreement?

This is also known as a cross option agreement. This agreement will help the sale of a Shareholder’s part of the business if they die or suffer a critical illness.

What is Shareholder Protection?

Shareholder Protection gives financial security to a company, should a Shareholder die or suffer a critical illness.

Shares being sold to a third party

Needing to raise funds quickly

Loss of control in business

Widowed Spouse Involvement

The Partnership Protection Process

Working with HB Partners



An informal introductory conversation

Your protection experts will to understand your Protection requirements. We will then take you through the options available.

We will research the market for the ideal Protection product for your circumstances.

Our Expert Recommendation



The right Partnership Protection for you

Our experts will calculate the amount of cover required, then compare the providers offering the relevant Protection products for your needs. We will then discuss the options with you.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

If a business partner dies without any Protection provision in place, then their share of the business will likely pass to their estate. This could prove problematic for the business, leaving it open to 

What is 3 + 5 =

Partnership Protection

Providing financial help in the event of the untimely loss of a business partner 

Call us 01923 964160

If you would like to discuss Partnership Protection, please call us on 01923 964160

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01923 964160


Yes. Business partner Life Insurance gives the surviving partners financial support to keep the business running and retain control. The insurance will help the Partners buy the interest in the partnership from deceased’s estate.


Partnership Protection enables surviving business Partners to retain control of the partnership, should another Partner suffer a critical illness or die.


The partner would be the owner of the insurance policy, and the beneficiary would normally be the other partner or partners. In the case of a Limited Liability Partnership, the business can own the policy.  


A cross option agreement is an agreement that can be included with Shareholder Protection, which ensures that if a Shareholder becomes ill, or passes away, the sale of their share runs smoothly.

Frequently Asked Questions

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If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

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Related to Partnership Protection

Relevant Life

Shareholder Protection

Keyman Insurance

Business Interruption Insurance

Employee Benefits

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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