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Business Protection

Get financial protection for your business. Protect the people who help it thrive. And enjoy rewards for healthy living.

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What is business protection and do you need it?

Many businesses rely on certain people to trade, such as:

  • business owners
  • managers
  • key employees
  • shareholders.

Get protection for your key people against death, serious illness and disability. Or get protection to cover outstanding loans or debts.

Our business protection plans ensure that funds are available to your business at the right time - and are tax deductible.

How you can protect your business

Take a look at our comprehensive plans. You can combine for more cover

Key person insurance

Get a lump sum payout to cover any loss in revenue or profits in the event of the death or terminal illness of one or more of your key employees.

Business loan protection

Get a lump sum payout to help your business pay back any loans if you lose a business partner to death or terminal illness.

Shareholder protection

Get a lump sum payout if a business owner dies or suffers a terminal illness. Your surviving business owners can use this to buy back their share of the business and regain control.
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Relevant life insurance

Looking for a way to give your employees financial protection?

With relevant life cover:

  • Your employees get a lump sum payout - if they get diagnosed with a terminal illness or die
  • Your business gets a lump sum payout too.

You can buy Relevant Life Insurance as a standalone product. Or tailor your business cover to include any of our business protection options.

Check out our relevant life guide

Want to get a quote?

Let us help you choose the level of cover that’s best for your business needs and budget. Call 0808 256 3616*

*Call centre opening hours: Monday-Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm, Sunday closed.

Why Vitality is great for business

Protect your business and the people who help it succeed


Pays out when you need it

Receive funds in the right hands and at the right time

Defaqto Award

Award-winning cover

Our Life Cover is 5 Star Defaqto rated

Weekly rewards

Attract and retain talent

With benefits and rewards to keep your employees happy

Enhance your cover

You can tailor your plan to include one or more of our add-ons

Business Serious Illness Cover

Our 5-star Defaqto-rated cover pays out in the event of an employee getting a serious illness that prevents them from working.

Disability Cover for Business

Get a payout should a key person get diagnosed with one of 49 covered disabling conditions.

Waiver of Premium

We’ll waive your premiums if one or more of your covered employees can’t work due to illness or injury.

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Get even more rewards with your plan

Save more with your cover while your employees get healthy.

Get up to 30% off your premium when your staff get active. Select ‘Vitality Optimiser’

Speak to an expert adviser on 0808 256 3616 or get a call back.

Opening hours: Monday-Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm, Sunday closed.

Adviser chat

Find out if your business is at risk

62% of business owners said that one person was essential to running their business1.

Use our digital tool to calculate the impact of your key employees passing away. It takes two minutes.

1 Opinium Research on behalf of Vitality, February 2022.

Use the business risk calculator