HMS Healthcare
Your Health is our Business
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Business Protection Solutions

When we talk to companies about Employee Benefit products we also realise there is a need for Business Protection which essentially helps to protect your business should a director, partner, member or key employee suffer a critical illness or die. It helps to make things right when things go wrong. At HMS we have expert knowledge at protecting businesses and we are here to help at every step of the way.
  •         Keyperson Protection….the absence of an important employee can damage a business in a number of ways. In a moment it could lose key skills, experience and contacts. Key person protection provides a financial safety net that can cover loss of profits, cash flow and replacement costs.
  •         Partnership & Shareholder Protection….in the event of the death or critical illness of a shareholder, partner or member the business will face the question of how to retain control and assign fair value. To ensure control of the business is retained, the remaining owners need to have the ability to purchase the business share from the retiring owner or deceased owner's estate.
  •         Loan Protection….when a business borrows money from a bank or other financial institution, it is common that the business will want some form of protection cover to repay all, or some of that loan on the death of a key person. Financial protection is vital in the current economic environment to ensure that a business can repay corporate loans should the worst happen.
  •         Relevant Life Policies….a relevant life policy is an alternative way for an employer to set up life cover for an employee in a tax efficient manner, without using a registered death in service group life scheme to benefit the employee's dependents. It is set up on a single life basis and is suitable for small businesses that might not normally be able to access this type of death in service cover.
87 . Chorley Road . Swinton . Manchester . M27 4AA
HMS Healthcare is authorised & regulated by the Financial Conduct Authority