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Business Protection

Disability Cover

Don’t let employee illness disable your business

Invest in Disability Cover to protect your bottom line

Available as an optional extra with Business Protection Life Cover, Disability Cover for Business pays out a lump sum if the person insured is diagnosed with a severe illness or becomes disabled because of an accident.

If the insured person falls ill or becomes disabled, this cover gives you financial support to soften the blow of their absence or gives you the opportunity to offer them extra financial help.

What you get

  • A range of options

    Choose between fixed term or renewable term plans

  • Certainty of cover

    We offer objective medical definitions

  • Variable cover amounts for maximum flexibility

    Choose to be protected on a level, indexing or decreasing basis.

  • Guaranteed insurability 

    Lets you increase cover when certain events happen – such as a change in value of a key person or an increase in a partner’s stake - without undergoing new underwriting (having to give us extra information about the health of the person).

Business Disability Cover

Key Facts

  • Minimum time period of insurance - one year
  • Maximum time period of insurance for reviewable premiums - 50 years
  • Maximum time period of insurance for guaranteed premiums - 40 years
  • Minimum amount of insurance - £10,000 (subject to minimum premium payment)
  • Maximum amount of insurance - £2,000,000
  • Minimum entry age –age 17 on next birthday
  • Maximum entry age –age 60 on next birthday
  • Maximum expiry age – age 70 exactly

Your Business Protection options

  • Man cycling along road

    Relevant Life Cover

    Give your best employees an extra incentive to stay

  • Lady shaking hands

    Key Person Cover

    Reduce the financial impact if you lose an employee to severe illness, disability or death

  • Sitting by water with an umbrella

    Shareholder or Partnership Protection

    Keep your business stable in the event of serious illness or death

  • Two businessmen looking at computer screen

    Loan Protection

    Protect your company’s financial stability in times of uncertainty

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Find out more


Phone icon Call us on
0161 2167 595

Speak to a VitalityLife business adviser for tailored advice. 
Lines open:
8am – 8pm Monday to Friday
9am – 5pm Saturday and Sunday

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