Domus Protect
for Business
Protecting what you've built — the people, the income, and the continuity of your business
Business protection is often structured around tax efficiency as much as risk management. A well-structured policy can deliver the same cover as a personal policy at a fraction of the cost. We advise on both the structure and the product — and work with your accountant or solicitor where needed.
What Our Clients Say
Real reviews from real clients — verified through Working Feedback, which also captures reviews from clients with a Google account.
Reviews verified by Working Feedback — an independent review platform for financial services firms.
Business Protection Done Properly
Most business owners have some protection in place — but very few have it structured in the most tax-efficient way. The difference between a personally-held and company-held policy can be significant.
What's at Risk Without It
The loss of a director, key employee, or shareholder can be devastating — financially and operationally. The right protection means the business survives the loss and shareholders retain control.
- ✓Tax-efficient structures — we advise on company-held vs. personally-held policies
- ✓Whole-of-market access across all major UK business protection providers
- ✓We work with your accountant and solicitor to ensure the structure is correct
- ✓Ongoing reviews as the business and ownership structure evolves
"A Relevant Life policy typically costs 3–4x less than a personally-held equivalent for a company director, because the premiums are paid by the company and are corporation tax-deductible."
— The Domus Team
Commercially Minded: We understand the tax and legal context, not just the insurance product.
Referral Partners Welcome: We work closely with accountants and solicitors who refer their business clients to us.
Regular Reviews: Ownership changes, new loans, and key hires all trigger a need to revisit cover.
Business Protection Products
Each product serves a distinct purpose — we'll help you understand which ones your business genuinely needs and how to structure them correctly.
Relevant Life Cover
Life cover written through the business — premiums are corporation tax-deductible and the payout is free of income tax and NI. Typically 3–4x cheaper than a personal policy for a director.
Executive Income Protection
Income protection for directors and senior staff, structured to be paid by the business with significant tax advantages over a personal policy.
Shareholder Protection
Enables surviving shareholders to buy out a deceased or critically ill partner's share — without forced sale or unwanted outside buyers entering the business.
Key Person Insurance
Compensates the business for lost revenue and recruitment costs if a key individual dies or is critically ill — protecting the business when it's most vulnerable.
Business Loan Protection
Covers outstanding business loans on death or critical illness — protecting the business from forced loan recall and protecting the borrower's estate from personal liability.
For Accountants & Solicitors
We work with a growing network of accountants and solicitors who refer their business clients for protection advice. We handle the full advice process and keep you informed throughout — no administration burden on your side.
- ✓ Structured referral process — simple and efficient
- ✓ Client updates so you're always in the loop
- ✓ FCA regulated — your clients are in safe hands
Interested in a referral relationship? We'd welcome a conversation about how we work with professional partners.
Business Protection Guide
Download our guide to tax-efficient business protection — understand your options and how to structure them correctly.
Common Questions
What is a Relevant Life policy and who is it suitable for?
A Relevant Life policy is a life insurance policy held by the company, written in trust for the employee's family. Premiums are corporation tax-deductible and the payout is free of income tax and NI — typically 3–4x cheaper than a personal equivalent for a director.
Can my limited company pay the premiums on a protection policy?
Yes — for Relevant Life and Executive Income Protection, premiums are paid by the company and treated as a business expense. This is one of the primary tax advantages of business protection structured correctly.
What happens to shareholder protection if we bring in a new director?
Shareholder protection should be reviewed whenever the ownership structure changes. New directors, share transfers, or significant changes in business value all trigger a review. We include ongoing reviews as standard.
Does key person insurance cover critical illness as well as death?
It can. Key Person policies can be written on a life-only or life-and-critical-illness basis. We advise on both based on the likely financial impact to the business and the age and health profile of the key individuals involved.
Do we need a solicitor involved in shareholder protection?
A Cross-Option Agreement — the legal document that gives shareholders the right (but not obligation) to buy or sell shares — should be drafted by a solicitor. We work with your existing solicitor or can make introductions if needed.
Speak to a Business Protection Specialist
Business protection is specific to your ownership structure, your loan book, and your key people. A short conversation is the fastest way to understand what you actually need.
No obligation • We work with your existing advisers