Key Man Insurance

Key man insurance, or key person protection insurance could shield your business from financial and operational risk following death or incapacitation of your “mission critical” employees.

Andrew Carnegie said, “Men and women, not machines, are the real source of profits in any business”. Our prior experience in Recruitment and Executive Search taught us that without employees, you have no business.

Given the importance of employees, can you justify not protecting your business by insuring your most important assets?

No Obligation Consultation
Contract signing
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Who areKey Persons?

Most companies rely on a cohort of “mission-critical” staff key to business success. “Mission Critical” key persons often have specialist industry knowledge or assume leadership roles.

Key persons often assume C-Suite leadership roles including:

  • Chairman
  • CEO / Managing Director
  • CFO / Finance Director
  • COO / Chief Operating Officer
  • CMO / Chief Medical Office
  • CTO / Chief Technology Officer
  • CMO / Marketing and Sales Director

Key persons product specific functions in companies including:

  • Hi-Tech
  • Digital
  • Pharmaceuticals
  • Advanced Manufacturing
  • Logistics
  • Professional Services
No Obligation Consultation

Does my business need Key Person Insurance?

Loss of a key person regularly impacts company operations and financial stability which jeopardise your business’s future.

Risk is especially prominent for companies reliant on staff with specialist knowledge who are scarce, costly and challenging to replace.

Revenue and operations may be affected until a replacement is secured, resulting in financial disruption, stagnation, or business failure.

For businesses backed by Private Equity investment, loss of a key person can erode company valuations and devalue associated investments. Unless you take control of this predicament, a challenging situation can escalate into a crisis straining the relationship between you and your investor.

Key Man protection is designed to help you manage such situations.

No Obligation Consultation
Contract signing

Benefit of Key Man Insurance

Following the loss of a Key Person, key man business insurance provides capital following a successful claim.

Capital helps stabilise finances, operations and fund a replacement. Optically, management appears in control, appeasing staff, suppliers and clients whilst increasing the probability of a successful future for your business.

Fatgreen recommends arranging Key Person protection as:

  • Level cover: premiums are fixed helping you to manage future cash-flow and costs.
  • Increasing cover: premiums reflect the RPI, ensuring your future payment is protected against inflation.

Stabilising operations and financing a replacement is often the difference between future business success or failure.

No Obligation Consultation
Business people

Have You Considered Adding Critical Illness?

If you or a partner, shareholder or Key Person suffered a heart attack, stroke or cancer and survived, but required an extended period of sick leave, they and your business could benefit from Critical Illness.

Following diagnosis and successful claim, Critical Illness cover would pay a cash lump sum to the policy holder helping alleviate any undue financial pressure.

Your No Obligation Consultation

Should you wish to learn how Key Man / Key Person Insurance can benefit your company, please:

  • Complete the short form below
  • Email us at
  • Call on 0333 050 0088

We look forward to hearing from you.

No Obligation Consultation

What Our Clients Say

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    nick green

    0333 050 0088

    07866 751 415

    Connect with Peter on LinkedIn

    Peter Blacklock
    Peter is one of the UK’s leading Insurance and business advisory specialists with a track record of building and selling Insurance businesses.

    He advises boards and investors in the capacity of CEO, C.A.P.O.W. Consulting, drawing on three decades of experience. Peter’s knowledge of Insurance is unrivalled having had extensive exposure to personal, family and business protection insurance.

    Peter is passionate about the North of England and a life-long Sunderland fan and sports coach.

    nick green

    Anny Lian

    0333 050 0088

    07908 355 781

    Connect with Anny on LinkedIn

    Anny was an Investment Banker and CFO of a high-growth company working across Asia, America and now Yorkshire.

    With a background in Finance, Anny understands the importance of protecting investments whilst ensuring company finances are insured against life’s unforeseen challenges.

    As an active member of the UK SME sector, Anny accepts invitations to encourage and mentor aspiring future female business leaders.

    nick green

    Nick Green

    0333 050 0088

    07985 219 763

    Connect with Nick on LinkedIn

    At heart, Nick is an entrepreneur who has co-founded two companies, including Fatgreen. Fatgreen arrange Business Protection insurance solutions for SMEs, Private Equity and Venture Capital Investors.

    Prior to co-founding Fatgreen, Nick spent two decades in Executive Search, providing recruitment solutions for Investment Banks, Private Equity firms and their portfolio companies. Having dealt with people all his career, he understands the intrinsic link between creating financial value and people.

    Nick appreciates how hard it is to appoint exceptional talent, hence the need to reward staff through enhanced benefits such as Relevant Life Insurance. As life is uncertain, Nick is passionate about protecting companies from the financial costs associated with losing a Shareholder or Key Person.

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