Insurance
The right cover in place before you need it.
Nobody enjoys thinking about illness, accidents or claims, but having the right policies in place means one bad day does not undo years of hard work. We help households and businesses across Merseyside work out what cover they need, what they can leave out, and what it should cost.
- Personal
- Business
- Commercial
What we cover
Protection for the things that matter most
Each policy answers a different question. What happens to your family? What happens to the mortgage? What happens if you cannot work? Most people need more than one, and looking at them together usually avoids paying twice for the same cover.
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Life Cover
A lump sum paid to the people who depend on you if you die during the policy, set up for you personally or for your staff.
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Critical Illness Cover
A payment if you are diagnosed with a serious illness covered by the policy, so you can focus on recovery rather than the bills.
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Mortgage Protection
Cover matched to your mortgage and its term, so your family can stay in the home if the worst happens.
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Family Income Benefit
A monthly income for your family instead of one lump sum, paid until the end of the policy term.
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Income Protection
A regular income if illness or injury stops you working, for you as an individual or for your whole team.
Who we cover
Households, business owners and companies
You and your family
- Life insurance
- Whole of life cover
- Critical illness cover
- Income protection
- Mortgage protection
- Family income benefit
- Private medical insurance
Protecting the people in your business
- Key person cover
- Shareholder protection
- Group life insurance
- Group income protection
- Group private medical insurance
Protecting the business itself
- Public liability
- Employers' liability
- Professional indemnity
- Cyber insurance
- Cover for start-ups and small businesses
How we work
Cover that fits, explained in plain English
We start with what you already have. Plenty of people are over-insured in one area and have nothing at all in another, often because policies were bought at different times for different reasons.
Then we explain the options in plain language, including what each policy does not cover, and review it with you when something changes: a new home, a new baby, a new business partner or a new member of staff.
Common questions
What people ask before they start
Possibly. Death-in-service and sick pay schemes are valuable, but they usually stop when you leave the job and may not be enough on their own. We can look at what your employer provides and tell you whether there is a gap.
Check your cover with us
A short conversation is often enough to spot a gap or an overlap. There is no charge for the first meeting and no obligation to buy anything.