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Keyman Insurance

This insurance covers disruption in business due to loss or impairment of “Key” employees or “key” persons. The aim is to compensate the business for losses incurred with the loss of a key income generator and facilitate business continuity.

Business can be put in serious jeopardy by the death of a key employee, a partner or key shareholder. It is possible to insure against death or illness of key persons in the organization whose continued presence is essential for continuance of the operations.

Generally, in a case of a partner or a shareholder, the proceeds can be used to buy back shares in the name of that individual.
In the case of any individual in your establishment, that has been identified as a Key Person central to continued progress of your operations, you should be in a position to provide cover to deal with unforeseen occurences.

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