business protection evolved
Helping business owners safeguard continuity, ownership and value.
Integrated insurance, estate and succession planning so your business keeps running when life doesn’t go to plan.
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business
protection
evolved
Helping business owners safeguard continuity, ownership and value.
Integrated insurance, estate and succession planning so your business keeps running when life doesn’t go to plan.
Let's Talk
Book A Consultation
Let's Talk
Book A Consultation
Let's Talk
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
Because real business protection takes more than just life insurance.
No Backup Plan
Unprepared. Unprotected. Unrecoverable.
When a key person or shareholder dies, the impact is immediate. Profits fall. Credit tightens. Recruitment becomes urgent. Without liquidity, the business can’t buy out the family, leaving ownership unclear.
No Backup Plan
Unprepared. Unprotected. Unrecoverable.
When a key person or shareholder dies, the impact is immediate. Profits fall. Credit tightens. Recruitment becomes urgent. Without liquidity, the business can’t buy out the family, leaving ownership unclear.
But Insurance Isn’t Enough
Policies pay. Plans protect.
It’s not just about policies. It’s about planning. We ensure everything fits: shareholder agreements, cross-option arrangements, lasting power of attorneys, wills, trusts, funding, and a succession plan, so your protection actually works.
But Insurance Isn’t Enough
Policies pay. Plans protect.
It’s not just about policies. It’s about planning. We ensure everything fits: shareholder agreements, cross-option arrangements, wills, trusts, funding and exit strategies, so your protection actually works.
No Protection. No Tomorrow.
No cover. No cash. No control.
You might survive. But the value you built could vanish. Contracts are lost. Debt stalls. The business weakens. Without the right protection, what took years to build unravels in days.
No Protection. No Tomorrow.
No cover. No cash. No control.
You might survive. But the value you built could vanish. Contracts are lost. Debt stalls. The business weakens. Without the right protection, what took years to build unravels in days.
Where It Falls Apart
Joined-up protection, by design.
Many business owners think they’re protected. They may have signed a shareholder agreement but there’s no funding behind it. Life cover is held in a generic trust that doesn’t do the job. They assumed they're protected but no one’s joined the dots. Then a shareholder dies. Suddenly they need cash to buy out the family’s shares. No liquidity. No plan.
Where It Falls Apart
Joined-up protection, by design.
Many business owners think they’re protected. They may have signed a shareholder agreement but there’s no funding behind it. Life cover is held in a generic trust that doesn’t do the job. They assumed they're protected but no one’s joined the dots. Then a shareholder dies. Suddenly they need cash to buy out the family’s shares. No liquidity. No plan.
No Backup Plan
Unprepared. Unprotected. Unrecoverable.
When a key person or shareholder dies, the impact is immediate. Profits fall. Credit tightens. Recruitment becomes urgent. Without liquidity, the business can’t buy out the family, leaving ownership unclear.
No Protection. No Tomorrow.
No cover. No cash. No control.
You might survive. But the value you built could vanish. Contracts are lost. Debt stalls. The business weakens. Without the right protection, what took years to build unravels in days.
We De-Risk It
Aligned. Funded. Defensible.
We identify weak spots, structure protection intelligently, and align legal and financial planning, so the people you care about and the value you’ve built stay protected.
But Insurance Isn’t Enough
Policies pay. Plans protect.
It’s not just about policies. It’s about planning. We ensure everything fits: shareholder agreements, cross-option arrangements, lasting power of attorneys, wills, trusts, funding, and a succession plan, so your protection actually works.
Where It Falls Apart
Joined-up protection, by design.
Many business owners think they’re protected. They may have signed a shareholder agreement but there’s no funding behind it. Life cover is held in a generic trust that doesn’t do the job. They assumed they're protected but no one’s joined the dots. Then a shareholder dies. Suddenly they need cash to buy out the family’s shares. No liquidity. No plan.
We Design Your Continuity
Confidence that carries forward.
You’ve built something worth protecting. We create a joined-up strategy that aligns ownership, funding, legal structures, and succession planning, so you can move forward with confidence, knowing your future is secure.
We De-Risk It
Aligned. Funded. Defensible.
We identify weak spots, structure protection intelligently, and align legal and financial planning, so the people you care about and the value you’ve built stay protected.
We De-Risk It
Aligned. Funded. Defensible.
We identify weak spots, structure protection intelligently, and align legal and financial planning, so the people you care about and the value you’ve built stay protected.
We Design Your Continuity
Confidence that carries forward.
You’ve built something worth protecting. We create a joined-up strategy that aligns ownership, funding, legal structures, and succession planning, so you can move forward with confidence, knowing your future is secure.
We Design Your Continuity
Confidence that carries forward.
You’ve built something worth protecting. We create a joined-up strategy that aligns ownership, funding, legal structures, and succession planning, so you can move forward with confidence, knowing your future is secure.
So When The Unexpected Happens, There’s No Uncertainty
The business keeps running. Value is protected. The right people receive what was intended. We align shareholder agreements, cross-option agreements, lasting powers of attoneys, wills, trusts, and insurance-based funding seamlessly. Everything fits together by design to avoid disruption, delays, and disputes. Our role is to make sure the right money reaches the right people, at the right time, without tax shocks or legal ambiguity.
So When The Unexpected Happens, There’s No Uncertainty
The business keeps running. Value is protected. The right people receive what was intended. We align shareholder agreements, cross-option agreements, lasting powers of attoneys, wills, trusts, and insurance-based funding seamlessly. Everything fits together by design to avoid disruption, delays, and disputes. Our role is to make sure the right money reaches the right people, at the right time, without tax shocks or legal ambiguity.
So When The Unexpected Happens, There’s No Uncertainty
The business keeps running. Value is protected. The right people receive what was intended. We align shareholder agreements, cross-option agreements, lasting powers of attoneys, wills, trusts, and insurance-based funding seamlessly. Everything fits together by design to avoid disruption, delays, and disputes. Our role is to make sure the right money reaches the right people, at the right time, without tax shocks or legal ambiguity.
When the Business Itself Is at Risk
Some people are irreplaceable. When a key person dies or becomes ill, the business feels it; lost revenue, stalled deals, shaken confidence. We structure protection that maintains momentum, secures cash flow, and reassures stakeholders. So your business stays steady when the unexpected strikes.
When the Business Itself Is At Risk
Some people are irreplaceable. When a key person dies or becomes ill, the business feels it; lost revenue, stalled deals, shaken confidence. We structure protection that maintains momentum, secures cash flow, and reassures stakeholders. So your business stays steady when the unexpected strikes.
When the Business Is at Risk
Some people are irreplaceable. When a key person dies or becomes ill, the business feels it; lost revenue, stalled deals, shaken confidence. We structure protection that maintains momentum, secures cash flow, and reassures stakeholders. So your business stays steady when the unexpected strikes.
The Safeguards We Design
Some risks are obvious. Others stay hidden until it’s too late. We identify weak spots that threaten control, cash flow, or legacy. Then we design a legal and financial safety net that holds before disruption strikes.
The Safeguards We Design
Some risks are obvious. Others stay hidden until it’s too late. We identify weak spots that threaten control, cash flow, or legacy. Then we design a legal and financial safety net that holds before disruption strikes.
The Safeguards We Design
Some risks are obvious. Others stay hidden until it’s too late. We identify weak spots that threaten control, cash flow, or legacy. Then we design a legal and financial safety net that holds before disruption strikes.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Shareholder Exit Risk
Fund the Buyout. Preserve Control
If a shareholder dies without the right funding and agreements in place, their shares may pass to family, causing disruption, misalignment, or conflict. We design cross-option agreements, trusts, and insurance policies that ensure control stays with the right people.
Key Person Dependency
Secure Continuity. Retain Momentum
When a founder, rainmaker, or technical lead is lost, cash flow falters but debts, salaries, and obligations remain. We structure protection that delivers liquidity when it’s needed most, so operations continue and recruitment doesn’t stall.
Deferred Consideration Exposure
Avoid Tax Shocks. Safeguard Legacy
If a seller dies before receiving full payment, HMRC can demand Inheritance Tax on money not yet paid, leaving families with a liability and no liquidity. We structure protection that ensures cash is available when needed, without delay or dispute.
Private Equity & Investor Risk
Protect Value. Reassure Investors
Capital demands confidence. If an executive dies, valuations wobble and investor assurance erodes. We build continuity plans that protect value, meet investor expectations, and ensure funding, governance, and control stay intact.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
Setting the Standard in Business Protection
Most advisers focus on policies. We focus on risk and outcomes. At ContinuityPoint, we combine protection insurance with legal, tax, and ownership planning, so your business is safeguarded from every angle. Our work is strategic, integrated, and built around the real risks that threaten control, continuity, and value.
Unbiased, Transparent Advice
We don’t earn commission so there’s no conflict of interest, just clear, impartial recommendations based solely on your needs. It’s a simpler, more transparent way to work. And in many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for and you’ll never be left wondering whose side we’re on.
Unbiased, Transparent Advice
We don’t earn commission so there’s no conflict of interest, just clear, impartial recommendations based solely on your needs. It’s a simpler, more transparent way to work. And in many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for and you’ll never be left wondering whose side we’re on.
Unbiased, Transparent Advice
We don’t earn commission so there’s no conflict of interest, just clear, impartial recommendations based solely on your needs. It’s a simpler, more transparent way to work. And in many cases, the savings on premiums more than cover our fee. You’ll always know exactly what you’re paying for and you’ll never be left wondering whose side we’re on.
Planning Without Gaps
We don’t do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers rely on generic templates and caveats, we deliver joined-up thinking. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned so nothing is left to chance.
Planning Without Gaps
We don’t do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers rely on generic templates and caveats, we deliver joined-up thinking. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned so nothing is left to chance.
Planning Without Gaps
We don’t do insurance in isolation. It’s part of a wider plan that includes trust structures, estate planning, and business agreements. Where most advisers rely on generic templates and caveats, we deliver joined-up thinking. Working with legal and tax specialists, we ensure your protection is structured, integrated, and aligned so nothing is left to chance.
Business-Grade Care
We underwrite every case internally before it reaches the insurer. That means fewer surprises, faster outcomes, and greater control. We identify issues early, gather exactly what’s needed, and package your case with precision, putting you in a stronger position.That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Business-Grade Care
We underwrite every case internally before it reaches the insurer. That means fewer surprises, faster outcomes, and greater control. We identify issues early, gather exactly what’s needed, and package your case with precision, putting you in a stronger position.That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Business-Grade Care
We underwrite every case internally before it reaches the insurer. That means fewer surprises, faster outcomes, and greater control. We identify issues early, gather exactly what’s needed, and package your case with precision, putting you in a stronger position.That means less delay, fewer surprises, and a stronger hand when it’s time to negotiate.
Experience That Counts
Our founder brings over 40 years of expertise in protection insurance. That depth runs through everything we do, from designing recommendations to navigating claims. You won’t deal with juniors or call centres. Just seasoned professionals who know the industry and understand what’s at stake for your business.
Experience That Counts
Our founder brings over 40 years of expertise in protection insurance. That depth runs through everything we do, from designing recommendations to navigating claims. You won’t deal with juniors or call centres. Just seasoned professionals who know the industry and understand what’s at stake for your business.
Experience That Counts
Our founder brings over 40 years of expertise in protection insurance. That depth runs through everything we do, from designing recommendations to navigating claims. You won’t deal with juniors or call centres. Just seasoned professionals who know the industry and understand what’s at stake for your business.
Why We Don't Take Commission
Transparent Value. Net Cost Savings
At ContinuityPoint, we don’t earn commission from insurers. That means our advice is never swayed by what policies we recommend. We’re focused solely on what’s right for you.
Our initial planning fee covers the work needed to assess your position and recommend a tailored strategy across insurance, trusts, and estate planning.
If you proceed with insurance implementation, a separate fee applies reflecting the complexity of the work. Policies are arranged on a net, commission-free basis, meaning your premiums are clean with no hidden margins and, in many cases, the savings offset or exceed our implementation fee.
Where implementation includes bespoke documentation, such as wills, trusts, or cross-option agreements, separate fixed fees apply. We always agree fees in advance of work.
This approach lets us deliver truly independent advice and tailor planning around your long-term goals.
Why We Don't Take Commission
Transparent Value. Net Cost Savings
At ContinuityPoint, we don’t earn commission from insurers. That means our advice is never swayed by what policies we recommend. We’re focused solely on what’s right for you.
Our initial planning fee covers the work needed to assess your position and recommend a tailored strategy across insurance, trusts, and estate planning.
If you proceed with insurance implementation, a separate fee applies reflecting the complexity of the work. Policies are arranged on a net, commission-free basis, meaning your premiums are clean with no hidden margins and, in many cases, the savings offset or exceed our implementation fee.
Where implementation includes bespoke documentation, such as wills, trusts, or cross-option agreements, separate fixed fees apply. We always agree fees in advance of work.
This approach lets us deliver truly independent advice and tailor planning around your long-term goals.
Why We Don't Take Commission
Transparent Value. Net Cost Savings
At ContinuityPoint, we don’t earn commission from insurers. That means our advice is never swayed by what policies we recommend. We’re focused solely on what’s right for you.
Our initial planning fee covers the work needed to assess your position and recommend a tailored strategy across insurance, trusts, and estate planning.
If you proceed with insurance implementation, a separate fee applies reflecting the complexity of the work. Policies are arranged on a net, commission-free basis, meaning your premiums are clean with no hidden margins and, in many cases, the savings offset or exceed our implementation fee.
Where implementation includes bespoke documentation, such as wills, trusts, or cross-option agreements, separate fixed fees apply. We always agree fees in advance of work.
This approach lets us deliver truly independent advice and tailor planning around your long-term goals.
Where Wills, Trusts & Insurance Align
Real Protection Means Legal Alignment
Most advisers leave legal documents to their client, offering generic templates with a disclaimer to “seek your own solicitor.” We think that misses the point.
A payout can only do its job if the estate planning framework around it is solid. If the right people don’t have the right authority, or the right structures aren’t in place, money gets held up, misdirected, or taxed unnecessarily.
That’s why Continuity Point works hand-in-hand with specialist estate planning professionals who are embedded in our approach. Together, we make sure wills, trusts, cross-option and shareholder agreements are not just in place, but properly drafted and fully aligned with your cover.
You won’t be left chasing loose ends or wondering how it all fits together. We bring it together for you.
Where Wills, Trusts & Insurance Align
Real Protection Means Legal Alignment
Most advisers leave legal documents to their client, offering generic templates with a disclaimer to “seek your own solicitor.” We think that misses the point.
A payout can only do its job if the estate planning framework around it is solid. If the right people don’t have the right authority, or the right structures aren’t in place, money gets held up, misdirected, or taxed unnecessarily.
That’s why Continuity Point works hand-in-hand with specialist estate planning professionals who are embedded in our approach. Together, we make sure wills, trusts, cross-option and shareholder agreements are not just in place, but properly drafted and fully aligned with your cover.
You won’t be left chasing loose ends or wondering how it all fits together. We bring it together for you.
Where Wills, Trusts & Insurance Align
Real Protection Means Legal Alignment
Most advisers leave legal documents to their client, offering generic templates with a disclaimer to “seek your own solicitor.” We think that misses the point.
A payout can only do its job if the estate planning framework around it is solid. If the right people don’t have the right authority, or the right structures aren’t in place, money gets held up, misdirected, or taxed unnecessarily.
That’s why Continuity Point works hand-in-hand with specialist estate planning professionals who are embedded in our approach. Together, we make sure wills, trusts, cross-option and shareholder agreements are not just in place, but properly drafted and fully aligned with your cover.
You won’t be left chasing loose ends or wondering how it all fits together. We bring it together for you.
What Sets Us Apart
Built on Expertise. Delivered with Integrity.
ContinuityPoint is built on the experience of its founder. A protection specialist with over four decades in the industry, spanning underwriting in Lloyd’s and the London Market, over 14 years in compliance and regulated financial planning, and an MBA that brings commercial clarity and strategic depth to every case.
That background shapes everything we do. It means we don’t just arrange insurance. We structure protection with a clear understanding of how it fits into the bigger picture: your business, your estate, your legal and tax framework.
The result is consultative advice that’s unbiased, integrated, and grounded in real-world experience, not templates or tick-boxes.
What Sets Us Apart
Built on Expertise. Delivered with Integrity.
ContinuityPoint is built on the experience of its founder. A protection specialist with over four decades in the industry, spanning underwriting in Lloyd’s and the London Market, over 14 years in compliance and regulated financial planning, and an MBA that brings commercial clarity and strategic depth to every case.
That background shapes everything we do. It means we don’t just arrange insurance. We structure protection with a clear understanding of how it fits into the bigger picture: your business, your estate, your legal and tax framework.
The result is consultative advice that’s unbiased, integrated, and grounded in real-world experience, not templates or tick-boxes.
What Sets Us Apart
Built on Expertise. Delivered with Integrity.
ContinuityPoint is built on the experience of its founder. A protection specialist with over four decades in the industry, spanning underwriting in Lloyd’s and the London Market, over 14 years in compliance and regulated financial planning, and an MBA that brings commercial clarity and strategic depth to every case.
That background shapes everything we do. It means we don’t just arrange insurance. We structure protection with a clear understanding of how it fits into the bigger picture: your business, your estate, your legal and tax framework.
The result is consultative advice that’s unbiased, integrated, and grounded in real-world experience, not templates or tick-boxes.
Case Studies
We Turn People Risk Into Business Continuity
Our case studies showcase how we help business owners protect value, ownership, and control by addressing people risk with joined-up planning.
Key Person Dependency
When Losing a Leader Nearly Cost the Business Its Future
An established engineering firm with a strong client base faced the sudden loss of its Technical Director, a founding partner whose specialist knowledge underpinned over 60% of the company’s project work.
Shareholder Exit Risk
A Sudden Loss. An Ownership Crisis Averted
Three friends-turned-business-partners built a successful agency over eight years. Each held a third of the shares, and all were actively involved in running the business. But when one of the shareholders died suddenly in a cycling accident, the remaining partners were unprepared for what happened next.
Deferred Consideration Exposure
Covering the Risky Gap Between Signature and Settlement
A successful founder agreed to sell his business to the existing management team via a staged Management Buyout. The £6.8 million sale was structured with £2.4 million paid on completion and the remaining £4.4 million deferred over three years, contingent on continued business performance. He remained involved during the transition to help maintain momentum and support the management team, protecting the value of the deal and ensuring a smooth handover.
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
ContinuityPoint
We protect the value you’ve built by designing integrated protection strategies that preserve ownership, enable continuity, and keep your business and family secure, whatever the future holds.
If you don't invest in risk management, it doesn't matter what business you're in, it's a risky business.
Gary Cohn, Vice Chairman of IBM
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
Start The Conversation
Contact Us
Whether you’re exploring protection options, reviewing your existing arrangements, or simply want to understand how our structured, joined-up approach could support your business and legacy, we’re here to help.
INSIGHTS
Blog
In our Blog section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
INSIGHTS
Blog
In our Blog section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
INSIGHTS
Blog
In our Blog section, we share insights on continuity & succession planning, business protection and insurance industry developments giving you practical thinking and timely updates to help safeguard what matters most.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.
behind the thinking
About Us
Discover the story behind ContinuityPoint, why we exist, what drives us and how we are reshaping business protection. We explain the thinking, experience and the values that set us apart from traditional protection advisers.