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Common Shareholder Protection questions.

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What if a Shareholder suffers a critical illness?

In the event of a Shareholder suffering a critical illness, an agreement can be put into place, whereby the Shareholder sells their share to the remaining business owners.

How are minority shareholders protected?

Each shareholder can take out separate cover for themselves, with a sum assured equivalent to the value of their company shares. 

Why is Keyman Insurance Important?

Keyman Insurance is important as it provides financial stability in the event of the death or long-term illness of a key person.

In the event of a Key Person claim, how would the insurance claim be paid?

The claim will be paid out as a lump sum.

Can we receive Key Person Insurance as an income, instead of a lump sum?

It is possible for Key Person Insurance claim to be paid out monthly, by opting for Key Person Income Protection. We recommend that you seek professional advice to guide you.

Being sold to a third party

Needing to raise funds quickly

Loss of control of business

Widowed Spouse Involvement

The Shareholder Protection Process

Working with HB Partners



An informal introductory conversation

Your protection experts will work with you to work with you 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 Shareholder 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 or shareholder 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 =

Shareholder Protection

Providing financial security to a business, 

in the event of the untimely death of a Partner or Shareholder

Call us 01923 964160

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

Meet the Team

01923 964160


A Shareholder Protection policy provides funds for company owners to purchase the equity of a deceased shareholder, with a suitable trust and a cross option agreement.


Normally this would be as a multiple of the net profit of the company, basing the Shareholder Protection Insurance cover on your proportion of the total company shareholding. 


The premiums for the shareholder policies are usually paid by each shareholder on their own life, so this means that the insurance is not tax-deductible. 


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 upon their death. 

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.

Get in touch

Related to Shareholder Protection

Relevant Life

Keyman Insurance

Partnership Protection

Business Interruption Insurance

Employee Benefits

What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

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.”

Click here to find how you can create financial security for your business.

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