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| Safeguarding your livelihood

No business is immune from financial risk, but sound financial planning can help ensure that you are prepared for any unexpected challenges that may come your way.


Fortunately, there are a wide range of specialist products available to protect your business’s most vital assets – your people – and ensure business continuity even in the most difficult of circumstances.

Identifying areas of risk

What would happen to your business if you died unexpectedly or were unable to work due to illness? Do you have a key member of staff whose reputation or skills are vital to business success? What would happen to your business if they were no longer around? How would business continuity be impacted if a key shareholder died, and their share in the business was passed to a member of their family with little interest in the business or who was hostile to the business’s objectives?


Although not pleasant to consider, these questions must be answered and planned for in order to ensure the continued success of your business.


The type of business protection insurance that will be most suitable for your business will depend on a range of factors, including your company structure, turnover and size, among others.

Broadly speaking, though, all business protection products will support you in maintaining business continuity and avoiding severe financial difficulties in challenging times. You might use the payout to:

Buy out the shares of a deceased or departing shareholder to avoid ownership transferring into undesirable hands

Train and/or recruit new staff members

Pay off business debts and suppliers

Cover loss of income while your team adjusts to the new situation.

Supporting you to support your people

At S4 Financial, we offer a holistic financial planning service to business owners that encompasses their aspirations for both their business and their personal wealth. We can act as an objective sounding board and professionally assess your business to identify any areas of significant risk with the potential to harm your business prospects.


As independent financial advisers, we can search the whole of the market for the most suitable protection products and solutions for your business, giving you and your team a vital safety net to fall back on.

Cashflow modelling

We take a data-driven approach to financial management to help you visualise how different scenarios and risks might impact your business’s future. Utilising specialist cashflow modelling software, we can assess the impact of the death or serious illness of a key staff member, using current data to accurately predict the financial consequences.


With the information provided by cashflow modelling, we can ensure that you have adequate protection cover for any identified risks.

| Get in touch

If you are looking for support in protecting your people and your livelihood, then we would be delighted to assist. Please get in touch for an informal chat about your circumstances and requirements.



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