Business & Corporate Financial Protection
Protect the business you have built.
One business. Multiple exposures - people, property, liability, transport, cyber and continuity.
Business risk is not one risk
One business. Multiple exposures.
People, property, liability, transportation, cyber and continuity can interact. We map the business first.
People
Key-person dependency and employee-related exposures.
Property
Buildings, plant, equipment and stock.
Liability
Third-party and contractual exposures.
Transport
Goods and transit risks across the supply chain.
Cyber
Disruption without a physical loss.
Continuity
Revenue impact if operations stop.
People risk
Some business risks walk through the door every morning.
Key-person exposure considers revenue dependency, replacement difficulty and existing protection.
Key person
Who would create outsized disruption if unavailable?
Revenue dependency
How concentrated is income around individuals?
Employee benefits
Group health, accident and life can support retention and care.
Review trigger
Growth, leadership change and new contracts change the map.
Property & assets
What would it cost to rebuild the business?
Replacement value, stock movement and location all affect whether cover still fits.
Asset register
Know what you own and what it would cost to replace.
Stock
Inventory moves - so should risk assessment.
Gap check
Compare replacement value against current cover.
Business continuity
If operations stopped for 30 days, what would happen?
The biggest cost of an incident may be the revenue you cannot earn.
7 days
Immediate cash-flow and customer impact.
30 days
Revenue interruption and recovery costs.
60 days
Longer disruption to contracts and reputation.
Recovery plan
Who decides, who pays, and how customers are served.
Risk scorecard
Rate residual exposure across six dimensions.
1 = well controlled, 5 = material open exposure. Illustrative self-assessment only.
Multi-policy review
The question is whether coverage works together.
| Cover area | What to list | Gap check |
|---|---|---|
| Property / fire | Locations, sum insured, stock | Replacement vs current cover |
| Liability | Public / product / professional | Contractual requirements |
| Marine / transit | Routes, consignments | Open transit vs annual |
| Employee benefits | Group health / PA / life | Headcount vs insured lives |
| Cyber | Systems, vendors, data | Incident response readiness |
| Motor / fleet | Vehicles, usage, IDV | Overlaps and uninsured units |
Group of companies
Holding and subsidiary risks are easy to mis-map.
Entity map
List each company, location and operating activity.
Shared vs separate policies
Some covers can group; others must stay entity-specific.
Inter-company exposure
Guarantees, shared premises and common vendors create hidden links.
Governance
Who owns renewals and claim notification across the group?
FAQ
Frequently asked questions
What is corporate insurance?
A set of covers designed around business exposures such as property, liability, marine, employee benefits and specialised risks.
What is key-person protection?
Planning around the financial impact if a critical individual is unexpectedly unavailable.
How often should we review?
After expansion, new locations, fleet changes, contract requirements, cyber incidents or major operational shifts.
Corporate risk review
Let's map the risks behind your business.
Share business type and priorities. FIN PILOT will help structure a practical risk conversation.